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Central Coast Lending Staff Directory


Jason Grote                      Dan Podesto

Loan Officers

Will Barnaby

Heidi Kimbrell

Bob Moss

Anthony Rodriguez

Jason VanDyke

Pat Carter

Anne O’Brien

Mike Poyntz

Anne Sarico







Marketing Staff

Rylan Stewart




Jason Grote


Office: 805.543.LOAN (Extension 204)

Cell: 805.441.1016

Fax: 805.413.2006

Jason found a job in the mortgage industry after graduating Cal Poly in 2003 with a degree in City and Regional Planning, and has since remained in love with the business and the Central Coast. Jason developed a knack for lending operations and rose quickly to senior ranks. He started in the mortgage business as a Junior Underwriter and quickly worked his way up to serving two local mortgage banks as Operation Manager. Soon after, he began working for a much larger multi-state wholesale mortgage bank as Regional Manager.

Jason saw the unsustainable (and often insincere) business practices in the mortgage industry, which influenced him to get his brokers license. He teamed with Daniel Podesto to build a company with ethical and efficient sales practices. The result is Central Coast Lending. Jason believes that a person naïve of the mortgage industries nuances is a person needing guidance and education, not simply an opportunity to make extra profit. Befitting of the Central Coast lifestyle, Jason’s short term goals are simple: serve the community with integrity and promote the kind of practice where relationships are fostered.

You might find Jason coaching a little league team, a youth soccer team, or raising money to send kids with Muscular Dystrophy to summer camp. He’s an active member of the Chamber of Commerce, past President at Business Networking International, and participates in fundraisers for various local Non-Profits.

Jason describes himself as a committed and driven person. He has been married for thirteen years, he is a father of three, he is passionate about his work, and he trusts constantly in the good nature of people.

CA BRE #01804822

NMLS #327791

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Daniel Podesto


Office: 805.543.LOAN (Extension 213)

Cell: 805.704.5466

Fax: 805.413.2006

Dan Podesto began his work in financing with a trial by fire. Directly after obtaining his Bachelor of Arts degree in Political Science at Cal Poly in 2001, he was hired into the mortgage industry by Cameron Financial Group. After working his way to Secondary Marketing Manager, he moved on to Kay-Co Investments in June of 2006, where he managed the Loan Settlement Department, the Servicing Department, and all loan sales to investors.

When the housing bubble burst, Dan teamed with co-owner Jason Grote to create Central Coast Lending. Having seen the problems with the mortgage industry, their model sought to clean up the business with a client-friendly approach. Today, Central Coast Lending prides itself on offering fair prices, efficient service, and knowledge-based advice to the client, and skilled efficiency in collaboration with other finance professionals. With offices in San Luis Obispo, Morro Bay, Paso Robles and Arroyo Grande, Central Coast Lending wants to strengthen its roots in our unique central coast community to offer the best possible service.

After seeing the dark side of finance, Dan and Jason created something new. According to Dan, “We developed this philosophy that ‘this is wrong.’ There were brokers that clearly did not understand the loan programs they were selling, or they were making windfall profits off of buyers that clearly didn’t know any better. So we decided, what if we explained every loan option, offered sound advice, and charged fair prices? Our philosophy is to know what we are selling, sell at a fair price, and do what we say we are going to do. We want to do the right thing for people, and we think that if you do the right thing for somebody, we will catch on. It’s kind of like the Field of Dreams… if we do it the right way, they will come.”

NMLS #328706

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Loan Officers

Will Barnaby

Office: 805.543.LOAN (Extension 210)

Cell: 805.423.4067

Fax: 805.413.2006

Will Barnaby began his own business at 21 as a wholesale seller. After opening offices across the western United States, he moved to advertising before settling into the financial industry. Growing up in a military family, Will has constantly moved around the world – from England, to Germany to Virginia, but he has settled down in the beautiful Central Coast in 1997 and has since dedicated himself to becoming the best loan agent for the local community.

Will jumped on board Central Coast Lending from the beginning. Initially attracted to the underwriting and secondary marketing experience of the owners, Will appreciated Central Coast Lending’s community oriented approach. With his family settled down in Paso Robles, Will has satisfied customers both locally and across the state of California.

Thus far, Will credits his success to communication, fair prices, and equitable treatment. He makes sure that he treats everybody fair, charges a fair price, and keeps his clients in the loop. With the shift in government regulations and the shifting housing market, Will is your resource to navigate home finance.

After doing the “surf thing” Will is now focusing on improving his racquetball game. He has a wife and two kids of 14 and 7, and coaches youth soccer.

CA BRE #01809075

NMLS #343314

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Pat Carter

Phone: 805.235.5141

Fax: 805.413.2006

Prior to entering the loan business in 2005, Pat spent 20 years working in retail management. It was there that Pat formed the customer relationship principles that would be the backbone of his loan business. Pat promises to give each of his clients constant contact and full attention throughout the loan process, staying with them to make sure that each of loan closes on time and with minimal hassle.

Pat lets the referrals speak for themselves. He has never had to advertise, and routinely goes above and beyond to help his clients. He has worked with clients for over 18 months, moving from credit repair, to qualification, and finally to close.

Pat moved to the Central Coast to find a better way of life for himself and his family. As a resident of Cayucos, he is excited to take part in the local community.

CA DBO #6054783

NMLS #401906

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Heidi Kimbrell

Office: 805.543.LOAN (Extension 212)

Cell: 805.235.6525

Fax: 805.413.2006

A resident of Morro Bay for 25 years, Heidi has fifteen years of experience as a loan officer. After graduating Cal Poly with a business finance degree and real estate minor, Heidi has honed her experience as a loan officer at three different companies, including earning “top producer” status while working for one of the largest independently held mortgage banking firms in the western United States.

Heidi’s expertise includes both residential and commercial lending. She helps guide her client’s decision making processes, helping them feel secure that the decisions they make today will be in their future’s best interest.

With Central Coast Lending since January 2009, Heidi continues to provide genuine and quality service to both her borrowers and Realtors alike. She maintains the awareness that a strongly ethical and service oriented approach to her business is essential, and for this approach Central Coast Lending was an ideal match. She enjoys working closely with her clients, making every effort to understand their specific needs.

Heidi and her beautiful husband Michael have a five year old son Noah and a Labrador retriever named Harley. The Kimbrell’s enjoy the beach, surfing, Bikram yoga, travel and life on the Central Coast.

CA DRE #01131724

NMLS #342121

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Bob Moss

Office: 805.543.LOAN

Cell: 805.610.0769

Fax: 805.413.2006

Bob has lived on the Central Coast for over 44 years, attending Cal Poly and obtaining a BS in Mathematics with honors a BS in Computer Science with honors, and a Masters degree in Applied Mathematics. After a successful career in the information technology field and a stint as part-time professor at Cuesta College, Bob became interested in the possibilities of a mortgage career. His education and experience have given him the problem solving tools that are necessary in the lending market.

As a member of the close-knit local community, Bob shares the Central Coast value of personal relationships. He will work diligently to understand your needs and obtain the loan product that is best for you. After obtaining a loan, he wants to maintain a long-term association as your mortgage broker. He will always monitor interest rates, and if the opportunity arises, he will let you know if you can improve your position.

Bob decided to work for Central Coast Lending because its values matched his own – a high ethical standard and a warm and friendly environment.

Bob is married, a father of five, and an avid racquetball player. He will work hard for you and follow-through, and all with the utmost trust, confidentiality, and integrity.

CA BRE #01909894

NMLS #884206

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Anne O’Brien

Office: 805.543.LOAN (Extension 201)

Cell: 805.748.5279

Fax: 805.413.2006

Anne has lived on the beautiful Central Coast since 1979. She received her Real Estate License in 2001 and is happy to be a leading producer for Central Coast Lending. A focus to details and specializing in superior customer service has facilitated Anne to being awarded “Top Producer.” She is proud of her reputation as a knowledgeable, experienced loan officer and works hard to continue her success.

Previous to her mortgage lending career, Anne was involved in retail jewelry in San Luis Obispo for 18 years. She has volunteered to teach a Jewelry Arts class to middle school students at Old Mission School and taught at Cuesta College’s “College for Kids” program over the summer.

Anne has three children, who keep her happy, active, and young. She has been a member of Old Mission Adult Choir for the past two years and enjoys yoga, reading, and water sports. She continues to be involved in the SLO community and an active volunteer at Mission College Prep High School.

CA BRE #01357035

NMLS #38200

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Michael-PoyntzMike Poyntz

Office: 805.543.LOAN (Extension 207)

Cell: 805.234.0903

Fax: 805.413.2006

[email protected]

Mike has both a Bachelor degree in Finance and Risk Management from Sacramento State University. The combination of his academic knowledge and practical business sense from previously being an insurance risk advisor empowers him to present valuable cost-benefit scenarios and lead his clients to sound long-term decisions. His recommendations combined with our array of lending programs will prepare you for great success for all of your Real Estate financing desires.

Additionally, Mike is a professional who prides himself on being approachable, amiable, and above all focused on being a lifelong Banking partner. Whether you are a First time home buyer, Real Estate investor or planning for retirement Mike is eager to discuss your plan and help you with the execution.

He and his wife, Erica, have lived in beautiful San Luis Obispo since 2009, and are a large part of helping the community. They enjoy assisting local Non-profits groups in the area of the Arts and Community Development. When Mike is not discussing the intricacies of Real Estate finance with clients and other esteemed professionals you can find him either camping with Erica up-in-the-mountains of California, enjoying great food & wine or attempting to shoot par on a golf course throughout the Central Coast.

NMLS #1246224

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photo 1Anthony Rodriguez

Office: 805.543.LOAN (Extension 205)

Cell: 805-242-6606

Fax: 805.413.2006

Prior to becoming a full loan officer, Anthony spent over two years processing hundreds of the loans that passed through Central Coast Lending’s doors. He has worked through a broad spectrum of mortgage situations, giving him nuanced knowledge of the best loan programs and the best pricing, and a knack for troubleshooting the trickiest situations.

Anthony is a dedicated worker who lets the quality of his work speak for itself. He uses Central Coast Lending’s extensive loan program offerings to find a customized solution for every client. His education-first approach to every loan allows his clients to take control of the process and make the best possible decision about their home.

Prior to moving to the Central Coast, Anthony worked as general manager of a restaurant group in Seattle. He returned to California and lived in San Diego prior to moving to San Luis Obispo County in search of a friendly community and a slower pace of life. After living up and down the West Coast for his entire life, Anthony is happy to say that he has found home.

CA BRE #01923805

NMLS #1138190

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Anne Sarico

Office: 805.543.LOAN (Extension 209)

Cell: 805.471.8165

Fax: 805.413.2006

Anne Sarico obtained her real estate license in 1990, and has been brokering loans for over 20 years. She keeps abreast of changing loan guidelines as the industry undergoes a monumental overhaul to provide safe loan programs and transparency to homeowners.

Anne is a proud member of the Central Coast Lending team prides herself in the service she provides her customers. Her philosophy is simple: Listen to the clients, provide the best selection of loan options based upon their financial needs and means, and provide them ready answers to their questions in a friendly, stress free environment. Anne is dedicated to the hardworking clients she works with, whether they be first-time homebuyers, homeowners looking to refinance for a lower rate, or real estate investors. She is proud to say that the personalized service she provides her clients has resulted in many repeat customers and referrals.

Anne supports her local community by participating in the annual Breast Cancer Awareness walk from Morro Bay to Cayucos, the annual Cayucos 4th of July fireworks celebration, all beach clean-up activities, and the awesome car shows in Morro Bay and Cayucos. She adores the Central Coast, and so does her dog, Maya. They love their daily walks on the beach, meeting new friends, and enjoying the fantastic coast.

Please come see Anne at the Central Coast Lending office in Morro Bay. She looks forward to meeting you!

CA BRE#01090789

NMLS # 324788

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Jason VanDyke

Office: 805.801.2139

Cell: 805.801.2139

Fax: 805.413.2006

Jason relentlessly pursues excellence in everything he does.

While serving his country in the military, Jason was awarded the Army achievement medal for his time in Berlin, Germany.

While in college, Jason went from a walk-on football player at a small Division II school to a three-time All-American and current NCAA record holder. Next, he was invited to the NFL combine and went on to sign two NFL contracts (with the Buffalo Bills and the NY Giants).

Jason’s interest in numbers and passion for finance influenced his career. He started with Wells Fargo Financial where he helped clients plan for everything from small personal loans to home mortgages. Jason left Wells Fargo Financial to offer more extensive options to his clients and apply his passion as an independent Mortgage and Financing Consultant. Currently, he has partnered with Central Coast Lending to offer his elite level of service to the Central Coast.

In his business career, Jason pursues the same elite level of excellence as in the rest of his life. He continually hones his expertise and stays on the cutting edge of the mortgage market and rate-lock timing.

Jason holds a Bachelor of Science degree in Finance with a minor in Accounting from Adams State University in Colorado where he graduated Cum Laude.

CA BRE #01513456

NMLS #282751

Marketing Staff

Rylan1aRylan Stewart

Marketing Director

Office: 805.235.6836

Rylan Stewart grew up in Morro Bay and attended Pomona College in Claremont, Southern California. There, Rylan earned a Bachelor of the Arts degree and a major in Political Science and an extra-curricular focus on journalism.

Rylan joined the Central Coast Lending team in March 2011 as Marketing Director. In this position, he used the Central Coast Lending business philosophy of education, honesty and service to build its marketing plan and vastly expand the reach of the business both locally and on the web. As web editor, Rylan writes, researches, edits and directs the development of the website as the hub of the Central Coast Internet presence.

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