We are located on the 101 Corridor, perfectly connected to Marin and Sonoma County.  
Our branch is proud to serve our borrowers who live and work in Napa, Sonoma or Marin county and call the North Bay their home. 

Better lending, with you in mind.


Nevin Miller

MLO #249299  | C: (415) 699-7919

Branch Manager & President of Pinnacle Home Loans

Nevin is a passionate and committed manager, and loan originator. His career has spanned over 25 years and during that time has produced well over $1 billion in residential mortgages. He has trained, inspired and led many of the top producing loan originators in Northern California, and today is the President of Pinnacle Home Loans.. Nevin continues to originate mortgages and works with a select group of referral partners.

Phil Aguillon

MLO #1818749 | C: (408) 701-7714

Trusted Mortgage Loan Advisor

Your Partner in Home Ownership. We are a resource for first time home buyers who need guidance in deciding if buying a home is right for them and preparing them for the process to ensure they are comfortable and clear on what to expect. Getting a home loan is often the largest and most complex financial transaction you will make in your life, and you deserve advice from a knowledgeable professional. If you are like many people I speak with, you question whether home ownership is even possible for you, what options are available to you, or you are just not certain about what to expect during the process of qualifying for and buying your home. You deserve the opportunity to feel the sense of security, pride, and community that comes with home ownership. You deserve the opportunity of predictable housing costs and building equity & wealth through proper mortgage planning. My team has the experience and resources to understand your motivations, evaluate your options, and guide you through the process of buying your starter home, move-up home, forever home, kiddie condos when your kids are off to college, and your retirement planning. Wherever you are in the homeownership cycle we are your partner in choosing the appropriate strategy for you.


Click here to learn about Mortgage Certainty

Caprice Toledo

MLO #246013 | O: (415) 967-7611 | C: (415) 246-3455

Trusted Mortgage Loan Advisor

Having lived and worked in Marin County for 38 years, Caprice began working in the real estate financing business over 22 years ago. She has worked with and been mentored by some of the very best originators in this industry, and believes her experience and dedication provide great value to her clients. She will always go the extra mile because she truly cares about her clients.

Wetzel Hill

MLO #242232 | C: (949) 422-1866

Senior Sales Leader & Trusted Loan Originator

Hello, My name is Wetzel Hill Senior Sales Leader with Pinnacle Home Loans. As a 15 year veteran in the industry my team has created the perfect model to help you finance the home of your dreams. My clients often tell me that my sincere approach to customer service, industry knowledge and attention to detail not only make the process comfortable, but easy to understand. Whether you are just entering the market or an established homeowner you can rest assured that my team will help you achieve your goals while delivering the highest level of service. When quality matters and professionalism is a priority contact Wetzel Hill for a confidential meeting to discuss what we can do to help show you the way home.

Kay Waller

MLO #248587 | C:  (415) 710-1670

Trusted Mortgage Loan Advisor

Kay is a Certified Mortgage Planning Specialist, providing mortgage financing to buy and sell homes throughout California since 1994. She’s also a Reverse Mortgage Specialist, helping seniors fund a better retirement.

Deanna Martinez-Stein

MLO #455459 | C: (707) 477-3968

Trusted Mortgage Loan Advisor

Over the last 30 years the mortgage lending industry has changed tremendously.  Technology, application as easy as 1,2,3, until you run into a question or a road block.  Investor guidelines, rules and interest rates.  However, when the need for a knowledgeable and seasoned loan officer who will answer your call for information and explanation of the process and documents has not changed.  I'm here for you.

David Park

MLO #307473 | C: (415) 960-4704

Trusted Mortgage Loan Advisor

With 18+ years in real estate mortgage lending industry, his vast knowledge and experience help in expert analysis for home buyers, developers, and real estate agents. David believes in educating each client on mortgage lending options so that they can make the best real estate financing choices. He works with top brokers and Realtors on a full range of property transaction types—single-family residences, condos, multi-units, TICs, and commercial buildings. He has conducted successful TIC and first time home buyer seminars. Call David for a consultation for all of your real estate purchase and financing needs and goals.

Lawrence Frauens

MLO #296498 | O: (415) 990-7990 

Trusted Mortgage Loan Advisor

Lawrence Frauens is a San Francisco native, and raised in Marin County.  He began his mortgage career in 1986 at GMAC mortgage in La Jolla, CA.  He has worked as a mortgage adviser/ consultant since 1988.  His interests includes all outdoor sports and photography.  Lawrence, for the last ten years, also teaches alpine skiing at Northstar resort on the weekends.  Lawrence is an Ambassador, and a volunteer for the San Anselmo Chamber of Commerce for the last 15 years.

Megan Davis

MLO #1610959 | O: (949) 433-7609

Jr. Loan Concierge

Meg started her career in mortgage lending several years ago working with a top 1% Originator and brings an extensive background in Customer Service and Management with her. She has experience in most areas of lending, though she is most proficient in the Sales and Coordination aspects of loan files. Meg enjoys contributing to the Loan Concierge and Solutions teams by helping onboarding Loan Officers and their teams learn Pinnacle Home Loans systems and processes, as well as easing their transition to our company.

Chris Stewart

MLO #249299 | O: (415) 967-7603 | C: (707) 793-5126

Trusted Mortgage Loan Advisor

Chris is a Bay Area native with extensive knowledge of the real estate market and trends of Marin, San Francisco, Sonoma and the East Bay. With 20 years as a mortgage finance professional, his successful track record is a testament to his vast knowledge and commitment to both his existing client base, established through integrity and hard work, as well as new customers referred by friends, family, business professionals, and realtors. He firmly believes there is no deal too small and thoroughly enjoys helping people to get what they need to buy or refinance a house.

Jake Siefert

MLO #320047 | O: (415) 967-7598 

Trusted Mortgage Loan Advisor

 As a Marin native Jake grew up in San Rafael and attended Marin Catholic High School. He graduated from San Francisco State where he received a degree in Finance. While attending college, Jake worked for his father’s mortgage company. What started off as a part-time job while going to school, turned into a career path as he continued to learn and find value in helping people. Whether it be helping someone buy their first home or by putting people into better financial situations, he takes pride in doing what is best for his clients.