With her extensive background, intelligence and a strong work ethic, Debra has the essential elements that make her a success as a loan agent. "Being very smart, talented or unique in some way can get you out in front of the competition. However, hard work, honesty, and service are what keep you there. I approach each client as an individual and don't assume or take for granted that someone else is going to do my job. Taking full responsibility for my work is what has helped me to gain my clients' confidence and keep it."



A good loan consultant can guide you through the maze and assist you in making the right choices. Whether you are purchasing a home or refinancing, United Pacific Mortgage has the people with the knowledge and experience you need. Your real property transactions involve the most important financial decisions you July make for yourself. In addition to her resolve to provide her borrowers with the best loan programs and pricing, and her honest approach to business, Debra has the ability to draw people in and win them over as fast friends and loyal clients. "Being a team player is a big part of success. When working with a Realtor, client or borrower, I want that person to know that we all share a common goal and that I'll do more than my share to make things happen." Debra considers certain primary issues when it comes to this service business. Firstly, she understands the importance of listening to the needs of her clients.



Some people strictly want information and will make their own financial decisions, while others simply require some guidance. Business Philosophy "To listen to every client in such a way that their fears are calmed and they are set at ease. Each person has different needs which can be met by offering sound advice and thorough follow through." Debra and United Pacific Mortgage focus on the needs of the customer, not our own. In the loan business, a happy client is determined by how they feel at the end of the mortgage process. Personally, the best use of our time isn't spent by hunting for new customers. We've got better things to do!



When the borrower feels that they have been well taken care of, the loan officer gets referrals. After 18 years in lending, our past clients are our sales force and we want to keep it that way.

Debra is also Account Manager for the CalPERS and CalSTRS Member Home Loan Programs for State Employees.