Business Details
Your Trusted Mortgage Partner in San Francisco
At Primary Residential Mortgage, we are proud to serve as a national, independent residential mortgage banker dedicated to providing personalized home loan solutions. Our local Bay Area branches in San Francisco and Marin are staffed with in-house underwriters and processing teams, ensuring efficient loan turnaround. As part of PRMI, one of the nation's largest residential mortgage lenders, we combine national resources with local expertise to deliver tailored services. Our mission centers on financing homeownership goals through a positive, personal experience, guided by core values like teamwork, integrity, and advocacy. We prioritize clarity and ease in the home loan process, recognizing that a home is often a client's most significant financial investment.With decades of combined experience, our loan originators are committed to making this exciting journey seamless and stress-free. Our dedication to professionalism, transparent communication, and client satisfaction has earned us recognition as one of Marin County's top mortgage brokers. We believe in building trust through informed decision-making and fostering long-term relationships with our clients. Our approach emphasizes accessibility, with responsive support for all questions, and a solutions-oriented mindset that advocates for clients' best interests. This philosophy, rooted in our slogan 'Where the Primary focus is you,' drives every interaction and transaction.
Services
Home Loans
Refinance
Mortgage Refinancing
Purchase Loans
Loan Processing
Highlights and features
- We offer in-house underwriting for faster loan approvals.
- Our team provides personalized guidance through every mortgage step.
- We combine national resources with local Bay Area expertise.
- We advocate for clients with transparent, integrity-driven service.
- Our loan originators have decades of combined industry experience.
Associations and certifications
- Department of Financial Protection and Innovation (DFPI)
What people say
Flawless and effortless
Above and beyond
Patient and knowledgeable
Smooth transaction
Responsive and professional
Services
Home Loans
We provide customized home loan solutions for first-time buyers and seasoned homeowners. Our team guides clients through pre-approval, documentation, and closing processes with clear communication. With access to diverse loan products, we help secure competitive rates tailored to individual financial situations.
Refinance
Our refinancing services help homeowners reduce monthly payments, shorten loan terms, or access equity. We evaluate current mortgage terms and market conditions to determine optimal refinancing strategies. Clients benefit from streamlined processes and expert advice to maximize financial advantages.
Purchase Loans
We specialize in purchase loans for new home acquisitions, offering fixed-rate and adjustable-rate mortgages. Our originators assist with down payment options, credit requirements, and closing cost estimates. We prioritize timely approvals to support competitive real estate offers in the Bay Area market.
Loan Processing
Our in-house processing team expedites loan applications with direct oversight from underwriters. We verify financial documentation, coordinate appraisals, and ensure compliance with lending regulations. This localized approach reduces delays and enhances transparency throughout the approval journey.
Mortgage Refinancing
We help clients capitalize on favorable market conditions to lower interest rates and adjust loan structures. Our advisors analyze break-even points and long-term savings potential. By maintaining relationships with multiple lenders, we secure refinancing options that align with clients' financial objectives.
People
Dane Moler
Loan Originator
Dane Moler brings over 30 years of mortgage industry experience to Primary Residential Mortgage. Known for exceptional communication and client advocacy, he has built long-term relationships through transparent guidance and personalized solutions.
Michael Koran
Loan Originator
Michael Koran specializes in simplifying complex mortgage processes for first-time homebuyers. His patient approach and market expertise ensure clients feel informed and confident throughout their home purchase journey.
Kerry Ettinger
Loan Originator
Kerry Ettinger focuses on refinancing opportunities and investment property financing. With a solutions-oriented mindset, she helps clients optimize their real estate portfolios through strategic mortgage planning.
Marc Yu
Loan Originator
Marc Yu combines technical knowledge with personalized service to address unique mortgage needs. His proactive communication ensures clients stay informed at every stage of the loan process.
Henry Jeanes
Loan Originator
Henry Jeanes specializes in luxury home financing and complex loan structures. His expertise in high-value transactions provides tailored solutions for discerning clients in premium real estate markets.
Questions
How do I start the mortgage application process?
Begin by contacting our team via phone or our website's Apply Now portal to discuss your financial goals and receive pre-approval guidance.
What documents are needed for refinancing?
Typically, we require recent pay stubs, tax returns, homeowners insurance details, and current mortgage statements for refinancing applications.
Do you offer jumbo loans in California?
Yes, we provide jumbo loan options tailored to California's high-value real estate market through our specialized financing programs.
How long does the mortgage approval process take?
With our in-house processing, most approvals occur within 15-21 days, though timelines may vary based on application complexity.
Can I lock in an interest rate?
Yes, we offer rate lock options during the application process to protect against market fluctuations before closing.
What areas do you serve beyond California?
We provide mortgage services in Oregon, Washington, Nevada, Florida, Texas, and Ohio, adapting to each state's unique lending requirements.
