Stephanie Hertel

Business Development Representative Big Valley Mortgage - Roseville NMLS #920930

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My background in the industry goes back to my very first job as a receptionist for a major real estate company at age 16. Working alongside real estate agents and customers alike, I got my first taste of the American Dream of Home-Ownership and knew I wanted more. Not long after, I took a second job as a receptionist for a mortgage company and began to see this dream from another angle that prompted me to purchase my first home. After that, I knew that I wanted to help others feel the sense of accomplishment and pride that came with owning a home - moreover, I knew that I had a unique perspective that I could use to the benefit of my customers' experience.

Customer experience and education is my #1 priority; honing in on individual goals, both short and long term, to ensure that all appropriate options are explored, so I can help find the right financial solution that meets those needs. Taking that solution and seeing it through to closing with constant communication and setting appropriate expectations is how those priorities are accomplished.

My goal is to form trusted relationships that will last far beyond the end of any one particular transaction; I work to impact the lives of families in and around my community to become a future resource not just for them, but for their friends and families as well. I love what I do, and you can feel that when you work with me!
Apr 15, 2020
Stephanie was amazing as she got us through our refinance in the middle of the Shelter in Place mandate. As things in the banking world were changing on a daily basis, she was always responsive and energetic towards the goal of getting the job done. I absolutely recommend her!
Mar 27, 2020
Hone Owner
Stephanie worked on my 3rd loan, she is the best for the following reasons: She cares, she is honest, works hard getting everything approved by patiently walking you through the process the entire way.

Sincerely, Ron James
Mar 10, 2020
Stephanie is organized, well versed in her field, gives you all your options, and walks you through the process. She makes it look easy, even though we all know it’s a lot of work behind the curtain that no one sees. Stephanie also keeps you informed of where you are in the process, which is immensely helpful. HIGHLY RECOMMEND!!
Jan 13, 2020
Realtor, Coldwell Banker
I cannot give enough positive praise about Steph! I've gone through 3 transactions with her and each one has been a breeze because she takes the time to explain each step and is very communicative throughout the entire process. Stephanie's attitude, humor, and personality puts all parties at ease (myself included).
I highly recommend her!
Dec 29, 2019
Financial Analyst
Stephanie is amazing. This is our second time going through Stephanie and the customer service and genuine assistance is like a breath of fresh air. This time around we did a refinance and Stephanie went above and beyond when something didn’t look right in our payoff statements. She was diligent and did everything necessary to make sure that all paperwork was accurate and timely as possible. I will always go to Stephanie for my mortgage needs. Customer for life!
Nov 8, 2019
During a recent transaction, Stephanie helped a client of mine buy her first home. Her dedication to the details and experience made it a smooth and simple process for my buyer. Thank you Stephanie for a job well done!
Oct 17, 2019
Broker/Owner of Campbell Real Estate Inc
I appreciate Stephanie's due diligence to get the job done. I believe what will continue to set her apart will be her willingness to do whatever is necessary to bring her clients dreams into reality. That's the making of a great loan officer.
Aug 2, 2019
Stephanie rocks! It's so very important to have a great lender.. it can make or break a deal. Stephanie is one that you can most certainly count on. She not only gives her clients top notch service, but keeps all parties updated and is proactive to keep deadlines met. I would not hesitate to work with Stephanie again, she offers expertise in financing and instills confidence in those reviewing our offers, so important when there's competition for a house. A+ from this Realtor!
Jun 1, 2019
Stephanie helped my wife and I get a good loan for our first home. She was very responsive, knowledgeable, transparent, friendly, patient, and fast. She also accommodated our work schedules and was available on evenings and weekends. My wife and I picked Stephanie after researching other loan officers/companies online and interviewing a different loan officer.

Stephanie is very customer service-oriented and detail-oriented. If you ask her a question, she can give you a real answer, and she’s good at doing on-the-spot math. She also keeps her word when she says she’ll look into something later or advocate on behalf of her clients. Plus, she seems to like her job and enjoy talking about loans.

Stephanie helped my wife and I pick the most favorable loan program for our situation and lock a good interest rate. We liked Stephanie’s approach for preapproval and budget estimates. She provided comparison charts of estimated monthly costs based on different loan scenarios and was good at doing calculations based on customer spending limits.

Thanks to Stephanie, getting our loan went smoothly, and she made it easier than we thought it would be.
May 4, 2019
Stephanie is amazing. She explains the process well, communicates updates often, and is well organized. Highly recommend!
May 1, 2019
Edward-Counter Sales and Debra-Owner- Pet sitting/Boarding
She did a Fantastic job on our loan. She went above and beyond for us sticking with us in a very difficult and year long situation. Without her our loan would not of been possible. I would definitely refer her to friends, family, clients and anyone I know. She is very knowledgeble and dedicated to her clients. She really cares and works hard to meet your needs. We would surely use her again. Ed and Deb Kelly
Apr 16, 2019
Stephanie was absolutely wonderful. She explained the whole process to my clients they feel very comfortable with her. We were able to remove all contingencies in 7 days and close escrow in 19 days. I've been in this business since 2000 this was the fastest contingency removal and close of escrow I've encountered to date. Her communication skills are above and beyond. I would love to work with her again with my next buyer. She is so pleasant to work with her knowledge and experience surpasses call expectations.
Feb 20, 2019
Stephanie was in constant communication with me throughout the deal and was extremely professional.
Jul 27, 2018
Stephanie is amazing. She is so great with communication. She keeps my clients and myself up to date with every step of the transaction. I have never worked with someone as professionally competent as Stephanie. She is extremely knowledgeable and can get deals done!
Jul 18, 2018
With so many moving parts in a real estate transaction, you need everybody to do their job. Stephanie was a breath of fresh air, she updated all parties involved in a timely fashion. I never once had to call her to ask what what's going on. I can focus on my part of the transaction and not have to worry about her part. Now that's refreshing!
Jul 17, 2018
With so many moving parts in a real estate transaction, you need everybody to do their job. Stephanie was a breath of fresh air, she updated all parties involved in a timely fashion. I never once had to call her to ask what what's going on. I can focus on my part of the transaction and not have to worry about her part. Now that's refreshing!
May 24, 2018
I have had the recent pleasure to work with her on my mortgage loan.
May 24, 2018
Stephanie, I believe, has the very rare skill of being professional and adding a personal touch element to business matters.
May 24, 2018
She has the ability to employ an unusual combination that is lacking in today�s business environment.
May 24, 2018
What a refreshing relief. Without a doubt, for me Ms. Hertel is an asset to company, and represents American Pacific Mortgage Company in the best light possible.
May 24, 2018
Thank you Stephanie �Job Well Done�.
May 21, 2018
This is a letter of commendation for Ms. Stephanie Hertel, Loan Officer.
Oct 31, 2017
Stephanie is very professional, knowledgeable and she is excellent at what she does.
Her answers were always thorough. She has a great habut of sending daily updates
to all parties involved. She also sent me friendly reminders on things I had to deliver in
case I forgot. Overall, I have to say Stephanie is awesome and I would definitely
work with her again and refer her to my friends. Thank you, Stephanie for making the loan
process so smooth and stress free.
Oct 5, 2017
I've been working with Stephanie since 2014 when I bought my first home in Sacramento.
Staphnie goes above and beyond for her clients. It was a no brainer that I chhoose to work
with her again for the re-fi of our homw. Stephanie made us feel very comfortable throughout
the whole process. She answered all of our questions and concerns and made sure we were
taken care of. We will definitly be using her again. I highly recommend Stephanie as she is
trustworthy, professionald and friendly.
Sep 8, 2017
Stephanie was not only professional, understanding and supportive, but she also made a
referral that saved me over $1200 a year in insurance costs. She was reponsive and
smart and I will recommend her for any mortgage or refinance transaction. Thank you Steph!
you are amazing at what you do.