Welcome Home! We mean it when we say that we are a community focused lender. Serving our community professionally and through charitable events is at the center of our business. Our Loan Advisors help educate everyone in our community on every aspect of home ownership, making your home a foundation of financial stability. It is our initiative to create long term sustainability. In our branch, we are actively engaged in the community. We have had the privilege to host several charity events to support local organizations such as Vet Connect for Military Veterans, Green Acre Homes, Sixth Street Playhouse, Coffey Strong Rebuild, Santa Rosa City Schools, and more. We care deeply about the community we live in, and we want to see it thrive. We serve with you in mind.


Milton Close

MLO #325222 | O: 707-484-7658

Branch Manager & Trusted Mortgage Advisor

As the Branch manager, he believes that collaboration with local professionals creates a space where we can work together synergistically, and that is a belief that he instills in every member of his team. The Purpose? To grow businesses together through community involvement and continual connection.

Ryan Bilby

MLO #1069846 | O: 707-495-4385

Trusted Mortgage Advisor

Ryan Bilby has a passion for finance and helping people with their financial future when it comes to their real estate needs. Ryan's main focus is to help his clients put together a plan for homeownership either now or sometime in the future. It is always good to have a plan in place. Ryan is committed to being available 24/7 to answer any questions his clients may have.

Vince Allegra

MLO #305832 | O: 707-481-8864

Trusted Mortgage Advisor

A 20 year veteran and second generation Loan Advisor, Vince uses his wealth of experience and industry knowledge along with his Masters in Social Work from CSU Long Beach to guide his over 500 clients through the loan process.  Vince maintains a healthy life/work balance as an avid surfer and has traveled to over 50 countries! 

Debbie Cerri

MLO #256992 | O: 707-292-5495 

Trusted Mortgage Advisor

"One of the reasons that I enjoy my job so much is knowing that I am an instrumental part in helping my borrowers buy the home of their dreams. My #1 goal is to provide my clients with superior service and find the right loan based on their needs." Debbie has been a licensed mortgage loan advisor for the past 14 years and has in-depth knowledge and experience in Conventional, FHA, VA, and Jumbo financing, as well as down payment assistance programs for first time homebuyer’s and home renovation programs.

Leon Creed

MLO #283779 | O: 707-732-3331

Trusted Mortgage Advisor

"Getting a mortgage has become more taxing since the 'mortgage meltdown' in 2007. I have 28 years of mortgage experience and have closed thousands of loans as a loan officer and manager. If a home loan can be done, I will get it done." Integrity, competence, creativity, perseverance, and compassion are the qualities reflected in Leon's work. Reach out to him today to put them to work for you.

Julie Kay

MLO #237931 | O: 707-953-1232 

Trusted Mortgage Advisor

Many clients have relied on the professional service of Julie Kay and Pinnacle Home Loans for real estate financing. With the utmost attention to personal service Julie Kay has built a strong reputation as an outstanding Loan Officer, serving the lending needs of real estate professionals, individual homebuyers and investors. You can rely on Julie to deliver financial solutions with integrity.

Serving Our Community: