Our Loan Agents
Licensing: DRE# 02040637
My name is Richard Baker and I am here to help with any lending needs. I can help with a standard conventional, FHA or VA loan. We also have bank statement loans and other creative financing. When I am not working, I enjoy spending time with my children in Rocklin, CA. As summer approaches, my time is spent in the pool with the kids or hiking on the trails in Auburn. There is no question too big or too small, please reach out to me for any lending needs.
Licensing: DRE# 01507301 NMLS#1158854
As a Real Estate & Mortgage professional, Jay’s focus has always been on building strong relationships with his clients. Jay’s passion for educating himself in all aspects of real estate and market trends makes him extremely knowledgeable. As a result, his business is flourishing as he is able to provide his clients with all the tools needed to buy or sell in today’s market.
With Jay’s extensive experience in the mortgage industry and keeping current with an ever-changing market, he ensures that his clients are well educated in all aspects of their transaction process. Jay prides himself on being accessible, responsive, and well-informed. As a result, his referral-based business continues to thrive, as well as his work with first time home buyers, investors, and those looking to refinance.
Jay has earned a reputation for serving his clients with the highest level of service. You’ll save time and money working with a REALTOR® and mortgage consultant who is a good project manager, problem solver, and negotiator.
Mortgage Loan Officer & Real Estate Agent
Licensing: DRE# 01313196 NMLS# 1632465
I grew up in the small town of Ripon, CA and I have currently settled down in Elk Grove, CA. I have 2 amazing children a daughter & son. My daughter is a Graduate of Sac State 2019 and my son will be attending the Police academy in the fall of 2020. We all are very active enjoying the beautiful outdoors, sporting events, animals (we have 3-dogs) and most importantly, we love cooking & laughing together with friends and family; nothing warms my heart more.
I have been a licensed MLO since 2000, and I have had my Real Estate License since 2003, so all together I bring 19+ yrs. of experience to the table. My years as a Mortgage Professional has enable me to understand and master all aspects of the Lending & Real Estate process, from the initial loan application all the way to closing and drawing my own loan docs. I’ve done it all and know all phases of the lending process including training new MLO’s. I am also a credit repair expert and I have been fixing credit for 20 yrs. and have helped hundreds of clients get their credit on track to becoming a home owner.
However I have to say the most rewarding part of my job is the relationships & partnerships I have built with all the wonderful clients & industry partners I have worked with & helped out throughout the years, and these relationships will last a lifetime. Honestly to me there is nothing more gratifying than helping others and turning their dreams into reality; truth.
So if you know anyone that is considering Purchasing, Refinancing or Selling their home it would be my pleasure to help assist them throughout the whole process. In addition if you know anyone that needs help with their credit, please feel to reach out to me, as I stated before I am a credit expert and can get anyone back on track to credit worthiness and home ownership………”if there’s a will there’s a way.”
Loan Agent Asisstant
Licensing: NMLS# 1056060 DRE# 02110026
Sal Molina started his mortgage career as a part time teller at a local credit union in 2011 while working a 2nd job as a boxing coach. It was that banking experience coupled with the suggestion from a student at the boxing gym that led him to show up at a job fair 7 yrs ago for a mortgage company that was hiring entry level sales professionals. This was the opportunity needed to build a career, and build he did. From the beginning of his tenure he consistently ranked at the top of the company in terms of families helped by restructuring their home loans to save them as much money monthly as possible. From there he proceeded to branch off with another company that was better equipped to assist homebuyers in closing their purchase loans at a competitive rate, in a timely manner, and with world class service. It wasn’t long before Sal determined that there was a better way to do business. One that would allow him the autonomy to conduct business his way; while still being able to offer his clients competitive products. In his 7th year; he is experienced enough to find solutions to problems before they cause delays, and young enough to have the energy to commit to you and your financing goals.
Licensing: DRE# 01422168 NMLS# 392121
I am an articulate and enthusiastic communicator and set the bar at the highest level in meeting the dreams and goals of my clients.
I’m licensed with NMLS National Mortgage License as a Loan Officer and have been in the industry since 2000 so I can pass on two decades of knowledge to you and I’m a third generation Real Estate agent.
Navigating the complex path of Mortgages and Real Estate with terms like offers, counteroffers, disclosures, financing, inspections, repairs, closing statements and countless acronyms involved in today’s real estate market requires the guidance of a professional like me.
I’m committed to service with high emphasis on responsiveness, reliability and trust.
I provide my clients with all the information necessary to help them make the right Real Estate decisions throughout the dynamic market cycles of this century.
Having been a resident of Tri County area for most of my life I’ve been fortunate enough to experience all of the great virtues associated with living in Northern California. From the ocean to the beautiful lakes, mountains and of course our fantastic year-round weather. I love spending time with my wife and two daughters and have many hobbies; Golf, Snowboarding, Boating, Wake-Boarding, Running and Mountain/Road Biking.
I’m also Director of Advocacy and Board Member for Norther California Huntington Disease Chapter www.northernca.hdsa.org and proud coordinate a Parity Act/Bill H.R. 1015 with congress and assisted securing co-sponsorships from Doris Matsui, Diane Feinstein and Tom McClintock.
Thank for the trust. I look forward to working with you…
What transforms thoughts into concrete achievements it ones determination, perseverance and patience.
“I think every person has the ability to effect change… Every one of us affects the world constantly through our actions… Through our every thought, our every word, the way that we interact with other people we’re constantly affecting the world.”
– Adam Yauch
“The impediment to action advances action, what stands in the way becomes the way…”
– Marcus Aurelius
Licensing: NMLS# 1764102 DRE# 02027099
Nichole Pomatto grew up in Siskiyou County then moved to the Napa Valley where she attended the Culinary Institute of America and obtained an Associates Degree in Culinary Arts. After graduating, she worked in many different restaurants which eventually landed her here in Sacramento. After opening a few restaurants around the city, she decided to go back to school to get her Bachelor’s Degree in Business Administration. While going to school she began a career in loans by working in a local private money company.
As a member of the Carlile Private Finance team, Nichole’s focus is on private money loans, although she works on loans of all types. Nichole is available nights and weekends to fulfill even the hardest loan scenarios. Her experience in tough to finance loans allows her to provide the best loan solutions for her clients. During Nichole’s time off she enjoys traveling to new parts of the world, cooking and playing with her 4-year-old Pitbull Dez.
Broker Associate – Mortgage Consultant
Licensing: NMLS# 313871 DRE# 00993329
Andy is originally from Burlington Vermont on the shores of Lake Champlain. Vermont Is a beautiful state in the spring, summer and especially the fall. The winter can be bitterly cold but Oh, the maple syrup. He has three great adults that call me Dad. Anna, Jon and Joe. He really got lucky in the dad department. If Andy could be anywhere right this moment he would be fishing between Laz Paz and Cabo San Lucas. It’s called the East cape and it has excellent sport fishing. Buena Vista resort check it out. Tahoe is beautiful, Yosemite is awesome, especially the Sequoias. He loves the bay area and San Francisco is a fantastic city. He gets a lot of fulfillment from helping people with their real estate needs. Buying and selling homes is awesome when you have the experience that Andy does. Understanding the financing and knowing what lenders can and can’t do makes a big difference for his clients.
Licensing: NMLS# 1649683 DRE# 01995761
Lacy M. Smith, III is married, with one daughter. The sparkle of his eyes.
A Sacramento native, and the oldest of three children. He attended St. Ignatius Elementary School, Jesuit High School and the University of San Diego.
Lacy began his participation in organized sports (recreational soccer) at the age of six. He continued to play sports throughout grammar school, high school and into college. Lacy still maintains a healthy lifestyle by working out regularly and eating a balanced diet, while enjoying a beer once in a while; but his secret is cayenne pepper.
Lacy enjoys watching UFC, playing board games and cards and spending time with his family.
He has experience in a variety of occupations – from working as a Union Millwright, all over the country, to engineering on the Union Pacific railways. His extensive background has introduced him to an abundance of people in varying walks of life.
While Lacy has always enjoyed a random conversation with a new found friend, he has been able to transfer his learned personal skills to deliver the best customer service to those looking to build their dream of home ownership.
Licensing: DRE# 01866757 NMLS# 40583
Licensing: NMLS# 453983 DRE# 01472774
As a mortgage professional for 30 years, with the knowledge of underwriting my own files. I understand what the lenders are asking for and why. I will walk you through the whole process to get you to the finish line. I process my files for speeding closings as little as 15 days. I understand the emotional side of completing a mortgage transaction. No matter your situation I always have the utmost respect for confidentiality, with high integrity that shows in my work ethic. I will educate you on what you will need, what we can do for you, to get you in your dream home. Give me a call to see what I can do for you.
Realtor – Loan Officer
Licensing: DRE# 01724609 NMLS# 366565