Cassandra Farnese

Loan Officer

(831) 320-6334
[email protected]

NMLS: 1301591
330 Tres Pinos Rd. Suite F4
Hollister, California 95023
(831) 635-0480

State Licensing Information: CA-CA-DBO1301591

My Reviews

11 Reviews

  1. Eileen Gomes

    Seamless transaction with Cassandra and her Mortgage and Title team. Transaction was not even in San Benito County and you would not of known the difference .

    Reply
  2. Tayaib Syed

    Amazing. Cassandra was super efficient and offered the best service any home buyer could ask for. All documents were processed and handled promptly. Couldn’t ask for anything better!

    Reply
  3. Daisy

    Cassandra was great she was fast and efficient. Always answering our questions and concerns. Very helpful I appreciate her. My husband and I couldn’t be happier with how fast she did everything!

    Reply
  4. Felipe sanchez

    I am so thankful for all the hard work Cassandra did for me, she is very helpful nice and explained everything so smoothly, so if your thinking in buying a home she is the right person. Thank you

    Reply
  5. Sara

    Cassandra went above and beyond to help us get a mortgage after we had been changing lenders twice and had a complicated case. Her experience and super fast processing was refreshing after we experienced how the previous lenders were operating. Her work finally helped us to secure that mortgage and we are very grateful to her. She is recommended and I suggest any newbie home buyer like us contact her to ensure a smooth process and avoid any pitfalls in the way.

    Reply
  6. The Hernandez Family

    I wanted to first say thank you to Cassandra! She was amazing and incredibly easy to work with. We wanted to refinance our home and she made it such a breeze. Found us a good rate and made the process very easy! We are very grateful for her and the work she did to help us close on our refinance. Thank you Cassandra we appreciate you!

    Reply
  7. Laura Naccarato

    Cassandra is by far the best loan officer I have ever worked with. She is organized, knowledgeable, and extremely easy to work with. She will go the extra mile to make sure her clients are getting the best possible rate and service. I would definitely recommend her to everyone I know.

    Reply
  8. Maria Gabriel

    Cassandra was referred to us by our Realtor and nothing but great service from her. She is very knowledgeable and worked diligently with us with no problems. I couldn’t have asked for a better loan officer Cassandra exceeded our expectations!

    Reply
  9. Raymond Garcia

    She took care of everything for me and my wife. She was very professional, and always kept us informed on everything. I would definitely recommend her to anyone else.

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  10. Theodore Giraldin

    Spectacular! Top Notch! And our personal favorite: "On It!". We just bought our first house. In this market, everything real estate related seems crazy, but Cassandra, who we affectionately nicknamed "on it", was a steady, calming voice. And literally, she is on it like nobody's business. We were referred to Cassandra by a sellers agent who was so impressed with her from a previous transaction. Cassandra lived up to every word. Any questions we had, she was able to give confident, simple, straightforward answers. And when it came to the loan process, she drives it. Nothing sits waiting… she is always on it! She got us fully underwritten so our pre-approval was as competitive as could be. She would reach out to the seller side and stress our qualifications to help us get our offers accepted. And when we finally found our home, she closed our loan in like 17 or 18 days! I'm not even joking, dealing with Cassandra was the best part of the whole transaction.

    I couldn't recommend her highly enough!!

    Reply
  11. John Martin

    Cassandra was awesome! She thoroughly explained everything throughout the process and stayed on top of things in order to get our loan approved and funded as soon as possible!

    Reply

About Me

I have been in the mortgage lending industry since 1989, managing mortgage operations, mortgage lending centers and multi-state regions. I am expert in loan products, borrower qualification and in providing knowledgeable advice to all industry partners and consumers alike. I am extremely detail oriented and goal minded, with a top priority to ensure my clients have the tools necessary for optimal success. Whether it be for a realtor partner, or my client borrower, it is important to me to offer guidance, comprehensive financing options and individualized support for each customer scenario.  I have been doing this a long time, and I am excellent at what I do.  In the off time, I like to spend time with my Husband and our children.  Horses, donkey’s, dogs, cats, chickens and who knows what else may come our way, keeping us busy all the time.  I just LOVE what I do!

Whether you are a Realtor or individual looking for mortgage financing, please feel free to contact me for any guidance you may need.  I am happy to help!

Premier Mortgage Resources Blog

How to refinance your home in 9 steps

How to refinance your home in 9 steps

Homeowners will take on a refinance mortgage loan to meet a variety of goals. A refinanced mortgage paves the way toward lower interest rates, lower monthly payments, or cash-out from the home’s current equity. Reaching this perk is a process, but the effort is worth...

How a 3-2-1 buydown mortgage may open doors in a complex market

How a 3-2-1 buydown mortgage may open doors in a complex market

The real estate market may not be as open for some as once before given the decreasing affordability factor. Rising home prices and interest rates are the major culprits. But there’s hope for future homebuyers through a 3-2-1 buydown mortgage loan. This loan program...

Premier Mortgage Resources, LLC is not affiliated with or an agency of the federal government. The material is not provided by, nor has it been approved by the Department of Housing & Urban Development (HUD), the Federal Housing Administration (FHA), or any Government agency.

All information contained herein is for informational purposes only and, while every effort has been made to ensure accuracy, no guarantee is expressed or implied.

This is not an offer to extend credit or a commitment to lend. All loans are subject to underwriting approval. Any programs shown do not demonstrate all options or pricing structures. Not all customers will qualify. Terms, programs, and underwriting policies are subject to change without notice. Some products or loan amounts may not be available in all states. Other restrictions may apply.

Refinances

By refinancing your existing loan, the total finance charge may be higher over the life of the new loan.

100% Financing Programs

The interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for Federal income tax purposes. You should consult a tax adviser for further information regarding the deductibility of interest and charges.

ARM Loans

After the initial fixed-rate period on an Adjustable Rate Mortgage (ARM) loan, your interest rate may increase periodically (annual or semi-annually) according to the market index. If the interest rate resets, your monthly mortgage payment may increase.

Lower Rates

Lower rates typically have higher closing costs in the form of discount points.

About HECM (Reverse Mortgage)

At the conclusion of the term of the reverse mortgage loan contract, some or all of the equity in the property that is the subject of the reverse mortgage no longer belongs to you and you may need to sell or transfer the property to repay the proceeds of the reverse mortgage from the proceeds of the sale or transfer or you must otherwise repay the reverse mortgage with interest from your other assets.

We may charge an origination fee, a mortgage insurance premium, closing costs or servicing fees for the reverse mortgage, all or any of which will be added to the balance of the reverse mortgage loan

The balance of the reverse mortgage loan grows over time and interest is charged on the outstanding loan balance.

You retain title to the property that is the subject of the reverse mortgage until you sell or transfer the property and therefore you are responsible for paying property taxes, insurance, maintenance and related taxes. Failing to pay these amounts may cause the reverse mortgage loan to become due immediately and may be subject to a tax lien or other encumbrance or to possible foreclosure; and

Interest on a reverse mortgage is not deductible from the person’s income tax return until the person repays all or part of the reverse mortgage loan

Reduced Documentation loans (No Doc, No Income/No Asset, Stated Asset, No Ratio)

These products may have higher interest rate, more points or more fees than other products that require more documentation, including income documentation.

Tax Exemption/Deduction

Any statements regarding tax deductions or exemptions are for information purposes only. Always consult a tax advisor regarding your specific tax situation.

Opinions

Any opinions expressed within blogs, videos, podcasts, interviews, presentations, or other online content are solely the opinions of the individual/author and do not represent the opinions or policy of Premier Mortgage Resources, LLC.

Texas Complaint-Recovery Fund Notice

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT http://WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT tel:18772765550.

THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMNT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEB SITE AT http://WWW.SML.TEXAS.GOV.

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