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Black Metal

San Francisco/Mill Valley Branch

12647 Alcosta Blvd. Suite 300 San Ramon, CA 94583

Licensed for California Mortgages  |  Serving San Francisco, Alameda, Contra Costa, Marin & Sonoma Counties

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415-577-6154  |  Monday - Friday, 8am-5pm, Saturday By Appointment Only

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WELCOME!

Welcome to our branch—where deep expertise meets genuine care. With over two decades of experience in lending, I’ve built a team that shares my commitment to helping people turn their goals into keys, equity, and financial peace of mind. As an immigrant, homeowner, and advocate for financial empowerment, I understand the weight of big decisions and the value of having someone in your corner who truly listens. We’re here to guide you—whether you’re buying your first home, growing your real estate portfolio, or helping clients navigate complex transactions. Our approach is grounded in clarity, trust, and community, and we pride ourselves on making even the most complicated steps feel simple and achievable. You’ll never feel like just another file here—because to us, it’s always personal

A dedicated Loan Officer is Your Advocate in the Mortgage Process.

A great loan officer does more than crunch numbers—they guide you through one of life’s biggest financial decisions with clarity and care. From finding the right loan program to navigating paperwork and deadlines, your loan officer is your personal expert and trusted partner. At Pinnacle, our loan officers take the time to understand your goals, answer your questions, and make the process smooth from start to finish—so you can move forward with confidence.

OUR REVIEWS

Califa W. - for Karla Garcia

I had the pleasure of working with Karla Garcia again on a recent transaction, and I can't recommend her highly enough. She was an incredible resource to my buyer client—always helpful, patient, and professional. Karla took the time to clearly explain all of the financing options, ensuring my client felt confident and informed every step of the way. She was flexible and responsive throughout the process, making what can often be a stressful experience feel smooth and manageable. I'm grateful to have her as a lending partner and look forward to working together again!

Karla Garcia

Karla Garcia

Sales Manager

NMLS #692131 | Licensed in CA

As a mortgage professional, I am here to give you my knowledge and experience, so you can make confident decisions about financing your home. 

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Steven Walden

Steven Walden

Loan Officer

NMLS #247849 | Licensed in CA

I have the privilege to be sharing what I do—helping clients with Home Loans of all types, but with a special focus on Reverse Mortgages and Unique Financing options for those who fall just outside the traditional lending box. It is always important to  have the right resources and trusted professionals to guide major life and financial decisions. I’m always happy to be part of the solution.

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Zachary Johnson

Zachary Johnson

Loan Officer

NMLS #1391382 | Licensed in CA

I look forward to working with you!

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OUR BRANCH VISION

Empowering People, Strengthening Communities

At Pinnacle Home Loans, your voice matters. We value diverse perspectives and believe that fostering an inclusive, supportive environment leads to greater strength and growth—not just in business, but in our families and communities.
Just as every loan is unique, so is every individual, and we are committed to making a meaningful impact by embracing diversity, encouraging collaboration, and giving back to the communities we serve.

JOIN OUR TEAM!

At Pinnacle, we believe exceptional service starts with empowering exceptional people. As a loan officer here, you’ll enjoy the freedom to build lasting client relationships—without the pressure of chasing volume. We provide modern tools, personalized marketing support, and a collaborative culture that values ethics, service, and long-term success. If you're passionate about helping clients achieve their goals and want to be part of a team that prioritizes quality over quotas, Pinnacle is the place to grow your career.

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