Shelby began his Mortgage Career as a Loan Officer while attending College. Within a matter of months he rose to the top. Working for one of the largest lenders in California, Shelby managed production objectives in order to develop and achieve branch goals. Mr. Elias alone was able to maintain production volume levels at an average of $2.5M per month with annual revenues exceeding $30 million for his Branch.

Knowing that his true passion he began his journey to open his own Mortgage Company in 2007 He Grew his Mortgage Company to over 120 Loan Officers and Real Estate agents across CA, Operations management, Sales, Business relationships are just to name a few of his current responsibilities. 

From the very first time you meet Shelby you'll immediately notice his passion for real estate. He fell in love with the business at a very young age, so his expertise in the industry makes perfect sense. His lifelong interest and extensive knowledge will offer any client the peace of mind knowing that they're working with an experienced and educated professional who has worked every aspect of the Finance, Real Estate, and Development from the bottom up. Not to mention his socially eloquent, motivated and tech savvy personality, combined with many other fine traits, quickly convinces any potential client right off the bat that he's the guy you want to do business with.

He prides himself on running a mortgage business with the highest integrity, promoting a strong work ethic, and contributing to a positive work environment. Shelby's company can ensure his clients smooth transaction and can close ON TIME.

NMLS# 168352



Peter started in the mortgage business in 2006. He was a top producing Loan Officer in 2006 and 2007 all while managing the office for First Foundation Mortgage. He helped build a call center from the ground floor into a thriving operation. Managed and trained telemarketers. Set up sales meetings and maintained all the business relationships with the Account Executives. 


From late 2007 to end of 2008 he owned his own mortgage company called North American Lending. Pete would manage daily operations of his growing branch with a primary focus on driving revenue growth, increasing profit, and managing risk. Provided leadership and direction in overseeing the performance of employees. 


In 2008 he joined United Lending Partners before leaving to work at Paramount Equity in 2010. He is now with United Wholesale Lending as a Co-Owner alongside lifelong friend Shelby Elias. Peter Galvez is a recognized leader in the Mortgage and Real Estate industry. He has a strong understanding of financial services, sales, and operations. For the past 8 years, Peter has focused his career exclusively on residential mortgage lending. His extensive knowledge of Conventional, Jumbo, FHA, VA and USDA financing allows him to find the right product to suit the specific needs of each and every one of his clients. By effectively educating each client throughout the mortgage process, he

continually delivers superior service, while providing advice and guidance every step of the way.  He is known for his zero point loans as he always does every mortgage transaction without origination points, broker fees or any processing fees.  His commitment to mortgage lending and real estate has enabled him to become a highly reputable professional among the real estate community.

Cell: 925-565- 3058

Fax: 888-553- 1054

NMLS #252452

BRE #01864499

I have over 10 years of experience in the home loan industry.   My knowledge and attention to detail helps buyers and home owners quickly navigate options for them to buy or refinance their home in a very efficient manner.

NMLS  #282001



Integrity is the cornerstone of my business. I believe a mortgage should be about building relationships, and helping my customers achieve their home financial goals, not just a transaction.  As a United Wholesale Mortgage Loan officer , I take a consultative approach to the home loan process by customizing each home financing solution to help customers achieve their home financial goals.  Many loan officers can get you a loan.  My mission is to get you the right loan.

Business: 916-899- 5045

Cell: 916-289- 9940

Fax: 888-453- 5967

NMLS #349407

BRE #01880697


Jared Rine has been  been in the lending industry since 2009.  Due to the market when he started, he has always gone the extra mile for clients to get loans done, employing a driven work ethic that has been instilled in the way he handles all loan transactions, no matter how large or small.  Jared really takes the time to understand what your wants, needs, and goals, and then provides the information and solutions to make them happen.

He is honest , diligent and is a very communicative with his clients , often available before and after "typical business hours."   He has experience from working with first time home buyers financing their first residence to experienced investors working on fix/flips, rentals, and even commercial real estate.

When he's not helping someone with their financing needs, you can find him in the gym, keeping up with the latest real estate and economic trends , spending time with family and friends, and volunteering in his spare time as a line chef, cooking for our local veterans in West Sacramento.


If you or someone you know is looking for financing, feel free to call, text, or email, anytime.  Referrals are always appreciated and will be taken great care of.

NMLS #893462



Choosing the Right Loan Officer Makes All the Difference In the World

Purchasing a home may be the single largest investment you make in your lifetime. If you are looking for an experienced partner to guide you through the entire loan process, then you will want to talk with George Sanders.He specializes in educating buyers on the loan process. From getting the pre-approval to funding your loan, his upfront approach and desire to keep his clients fully informed every step of the process is most important. Based on your specific goals, George will counsel you with various loan options and scenarios designed to meet both your specific short term and long term financial goals. With over thirty years of experience in real estate industry, let George work for your benefit. He has been an active member of both the Sacramento Association of Realtors and the Placer County Board of Realtors. He has been the chairman of the Sacramento Associations of Realtors Housing Opportunity Committee and the Education Committee. These committees actively educate real estate agents and the home buying customers with ongoing education classes. In addition, he is a Lifetime Member of the Sacramento Masters Club for his production efforts.

NMLS #282318



When shopping for a mortgage professional, you need an individual with whom you can

rely. I am dedicated to helping you meet your goals while advising you from a knowledgeable

background, in a fast, friendly, and easy to understand manner. It's important to work with a

mortgage professional that cares. I'll take the time to learn about your particular real estate

and financing objections. When you make the important decision to buy a new home, or

refinance your current home, I'm committed to going the extra mile to ensure that all your

financial needs are successfully met. I am dedicated to helping you make the most informed

mortgage decision possible. One that integrates your personal financial plan and major life

goals, such as retirement, and wealth accumulation. A mortgage is not just a loan. It's one of the most important financial decisions. The right mortgage plan helps create wealth.


Business: 916-474- 5263

Cell: 916-899-4520

Fax: 888-453- 5967

NMLS #1681263

BRE# 02034847

For most of my clients, the purchase or sale of a home is an important life event. For buyers, it means finding a new home at an affordable price, without having to settle for less than they truly want. For my selling clients, it means a smooth process that allows them to focus on their next step, while maximizing their return on investment.


Experience can make all the difference in a real estate transaction. Not only my experience, but your own. My knowledge of the lending process, the local real estate market, and network of Real Estate professionals helps bring the highest value to your buying or selling experience. I've grown up in the market and grown my 10 year practice mainly through referrals of satisfied clients.


The Sacramento region is a great place to own a home and the process of buying or selling should be

equally as enjoyable!

Cell: 916-439- 0140

Fax: 916-209- 8644

NMLS #358475

BRE #01859181


Nick began his career in the mortgage industry as a production assistant to one of the highest producing mortgage brokers in California. The high-volume production helped him to learn the ins and outs quickly, and gave him experience with a wide variety of loan scenarios and programs. Nick has since

used this knowledge and experience to streamline his process and anticipate the needs of his clients.


Nick measures his success by the confidence he earns from his clients. Providing education and consulting throughout the entire home buying process has enabled him to establish strong relationships that are built on a foundation of trust and service.


Nick’s passion for customer service and exceeding his client’s expectations drives him to deliver complete home purchasing and mortgage financing solutions to not only meet his client’s immediate needs but also help them achieve their long term financial goals.

Cell: 209-603- 2544

Fax: 888-507- 8016

NMLS #1411729

BRE #01922454


I believe everyone should have the opportunity to live the "American Dream", and home ownership has always been the cornerstone of the dream. I have a true passion for what I do. I have been in the mortgage business for 12= years and enjoy it now more than ever. I also have a financial services background which enables me to fully understand the overall strategy of home ownership and how this integrates into my client's overall financial roadmap. My client's overall financial well-being is always one of my top priorities when discussing the best loan options for them.


As for personal life, I currently reside in West Sacramento, CA and am a father of 3 beautiful children. I am an avid athlete in my mature years still trying to keep up with the youngsters having coached 7 years of Ponderosa junior football teams. I enjoy all competitive sports and many outdoor activities.

Cell: 916-992- 9695

Fax: 888-553- 1054

NMLS #248036

BRE #01729495

Vanessa Gutierrez has 15 years experience in the Real Estate and Mortgage industry. In 2001 after working for a failed dot-com during the big tech boom, Vanessa went to work as a mortgage processor. In 2003 after two years of processing she decided to take the next step and get her Real Estate license. From 2003-2010 Vanessa worked doing both Real Estate and Mortgages for her clients. In 2010 after gaining her Insurance License Vanessa strictly focused on selling Real Estate and providing insurance products and needed to all her Real Estate clients. In 2016 Vanessa decided it was in her clients best interest to step back into the Mortgage industry and gained her NMLS licensing. Vanessa has returned to her roots doing Mortgages alongside Real Estate and looks forward to providing her clients with top

notch customer service accented by many years of experience.

Business: 530-512- 3008

NMLS #1529226

BRE #01363988


Cell: 916-952- 4545​

NMLS #253083

BRE #01872387

Business: 925-437- 5775

Fax: 888-762- 3119

NMLS #30598

BRE #01874747


Business: 925-812- 1183

Fax: 888-553- 1054

NMLS #1085178

BRE #01988417


Business: 916-919- 7889

NMLS #248317

BRE #1443155


Cell: 916-996-3211

Fax: 888-317-0374

NMLS #253083

BRE #01872387


NMLS #321500

BRE #01872387

BUSINESS 916-773- 5351

CELL: 916-230- 1537


Email: Frank

Business: 916-749- 4937

Cell: 916-213- 8339

Fax: 888-958- 4495

NMLS #115478

BRE #01916488