GuaranteedRate Logo

Kerri Habel

VP of Mortgage Lending
950 Reserve Dr, Ste 100A, Roseville, CA 95678
Contact Kerri
NMLS: 455527
Ready to start your Digital Mortgage?
Apply now

TestimonialsCustomer testimonials Read more

Kerri moved us through this process so smoothly. The many twists, turns and curves were handled promptly and efficiently. She kept us informed and updated regularly throughout the process. We now own a wonderful home, thanks in part to the mortgage we were able to get and especially Kerri's service and expertise. Our thanks to all who made this happen!

David & Linda V. | October 2016

Kerri Habel was excellent. She was very easy to work with and always happy to help. She would answer questions with very professional interactions and answers. Very detailed oriented and helped with every step of the process. I would recommend Kerri and Guaranteed Rate to my family and friends for their future loans.

Raul D. | 09/02/2016

Great service provided by Kerri Habel and team. Excellent coordination and follow up. Thanks everyone, great job with my loan!!! I will recommend people to you. Thanks!!!

Marielos P. - 8/15/16

Kerri Habel was wonderful to work with, she was very professional and responsive. She also had great perspective that provided a personal touch. She would be the primary reason why I would recommend Guaranteed Rate to others.

Jeffrey R. - Funded 7/11/2016

About Kerri

Personally, I am an extremely active person who thrives on keeping busy with my two daughters, career, spouse, and pets! I enjoy playing (and coaching) volleyball, water skiing, and gardening. I was born and raised in Gridley, CA (Chico area), relocated to the bay area for almost 10 years, and have recently moved back to Folsom where my family and I enjoy the wonderful lake and all of the outdoor activities the area has to offer.

Professionally, I have been a top producer in the mortgage industry for the past 15 years. I am passionate about my clients, the real estate market, and the numbers to make it all happen. I take pride in staying on top of the ever changing mortgage industry guidelines and the best suited loans available to my clients to ensure a smooth transaction every time.

Kerri interview Q&A

How long have you been in the mortgage business? What awards have you won?
I have been in the mortgage industry for 15+ years. I was ranked #13 in the nation with Well Fargo, funding over $100M in loan volume, and was consistently a President's Club member (top 1% of company). I was also a Top Producer at Provident Mortgage for 3 years running.
What are the pros and cons of a fixed rate mortgage versus an adjustable rate mortgage (ARM)?
A fixed rate mortgage is a great product for customers looking for a long term, fixed rate payment who plan to stay in their house for the next several years(7+years). It is also great to lock in a low fixed rate while the interest rate environment is at an all time low. ARM loans are a great option for first time buyers that might only plan on owning their first house for a few short years before moving up and into something longer term. An ARM usually offers the customer a lower interest rate and payment while they are actually occupying the house (5 to 7 years).
What part of the home loan process do customers find most difficult and how do you help them through it?
As a first time buyer, the biggest stress can be the "unexpected" closing costs and cash to close when buying a house. I always like to go over the loan estimate (payment and closing cost estimate) with the clients and explain each fee and what to expect as a one-time cost in buying a house. I also like to explain each item and review the cash to close and expected mortgage payment several times along the way, so they are prepared at signing and feel comfortable with what they are signing. Knowledge is key and no surprises!
What provides you with the most satisfaction in your job as a Loan Officer?
As a loan officer, I love helping clients understand the process and educating them on what loan product might be best for their individual situation. The process can be a bit overwhelming with so many loan options and conditions, so I take pride in knowing the guidelines and explaining step by step of what to expect and what loan might be best for their needs/wants.
Tell us something that makes you unique or something wacky, yet interesting about you?
My husband calls me "Crazy Kerri" as I'm always thinking and always on the go. I am an extreme type A person and love to be always doing something whether it be with my kids, volunteering at school, coaching, playing volleyball, or walking my two crazy dogs.

See how easy the Digital Mortgage works

Today’s rates

Loan Type Rate APR

*Rates may vary by state. Please see Assumptions for more details.

Check rates and get approved online right now in just minutes! Or give me a call and I’ll answer your questions and guide you through the process!

Our Intuitive Loan Finder lets you sort by lowest monthly payment, lowest interest rate or the right loan term.

Explore loan options

Start your Digital Mortgage

Apply now