About Us

(916) 945-6242



Joe has been in the mortgage business for over 18 years, and he loves what he gets to do. Joe has always loved helping people. Being a mortgage broker allows him to help people with their biggest financial responsibility. He feels honored every time he gets to do a loan for someone, and even more humbled when clients refer their friends and families.

When Joe is not serving his clients, he enjoys golfing, mountain biking, snowboarding, and traveling with his family. 

NMLS #57425
DRE #01745069
Licensed in California



Born and raised in California, Shane Scott developed his discipline and work ethic from excelling in sports at a young age. He ended up graduating from Sac State on a football scholarship. He is a family man, married for 18 years and has two children. Shane specializes in building relationships in order to establish trust and strives to be your go-to broker for all your mortgage needs. Because customer service is his top priority, he is someone you can confidently recommend to friends and family. His desire is to help clients save the most amount of money. He has experience working with clients of all ages and with equally unique mortgage situations. See for yourself, call him today.

NMLS #1981377
DRE #01778359
Licensed in California


Judy Bernal

Loan Officer

I feel like I have been preparing for this time . . . all of my life! 

After graduating from U.C.L.A, my career experience includes being a teacher, working in the Retail Industry with the major department stores and Residential Mortgage Lending.

My priorities are: 
1. Educating my clients as to their financial options.
2. Providing the best customer service. 
3. Treating my clients the way I would want to be treated.

I have been in the mortgage industry for the last 20 years, living through the highs and lows of the everchanging market. I am prepared to work with first-time homebuyers, experienced homeowners and those ready to retire with a Reverse Mortgage.

I advise my clients to make the best choices with their best interest at heart. 

Alexander Tuttle

A true California native, from El Dorado Hills, California my personal philosophy is on par with my company’s brand. I chose California Home Loans as my base because it has the same call to excellence, attention to detail, and work ethic that I do. As part of this company, I am proud that we provide our clients the quality of service that inspires confidence and offers the peace of mind that they deserve.

Graduating from University of California, Irvine, with a degree in Political Science, with an emphasis in International Relations and economics I immediately began my Real estate investing journey. After receiving my NMLS I spent a year in Florida and other western and southern states in order to develop a truly universal understanding of the different real estate markets and investment potential throughout the region.

From California to Florida and several states in between I offer my clients multiple opportunities for investment. Whether it’s your primary residence, vacation home, or an investment property, I cover it all.

I look forward to helping my clients achieve their Real Estate goals.

Carlos Smith

Carlos has joined the California Home Loan team, as Senior Mortgage Consultant. The financial aspects of home buying can be stressful and overwhelming—but it doesn’t have to be, not with a trained and caring professional like Carlos in your corner. Carlos as the knowledge and extensive experience in dealing with first-time homebuyers, jumbo financing, bank statement loans, down payment assistance, conventional financing, reverse mortgages, Federal Housing and Veterans Administration (FHA), USDA financing, and investor financing. Carlos has helped hundreds of families and investors through the home buying process.

Carlos is Sacramento State University graduate, with a degree in Criminal Justice with additional training and certifications in Life Insurance, Accident and Health Insurance and Home Improvement Sales / Solar Contractor.

Contact Carlos today and let’s get started making your homeownership dream a reality.

Anna Faircourt

Loan Processor


My knowledge, ability, and proficiency allows me to deliver a high level of quality and customer service. My goal is to provide excellent service to give you the best mortgage experience.

Ronnie Chaddock

Loan Officer, Assistant

I have been at CA Home Loans since 2020. My goal is provide a positive loan experience that you will want to have your friends and family experience. We offer creative loan solutions for different needs to get you the lowest rates available in today’s market. We work directly with clients going Conventional, FHA, and VA.