Our Agents

Tel: 510 559 3330 ext 102
Fax: 510 559 3396
Email: ekaminsky@tofinancial.com

Ellice grew up in New York and moved to the Bay Area to attend the University of California at Berkeley. She graduated with a Bachelor of Arts degree from the department of dramatic arts, with an emphasis on dance.

After several years of teaching and performing as a dancer in the Bay Area, Ellice embarked on her career in real estate. From 1977 until 1993, she was a successful real estate agent in the Berkeley-Oakland area. This proved to be an excellent foundation for the next phase of her career in the mortgage loan origination business.

Ellice began working in the mortgage industry in 1993, and created Thousand Oaks Financial in 2000. The business has succeeded, growing from two agents to six during that time. Ellice has maintained the original vision of Thousand Oaks Financial: while it has grown, it still retains the feeling of an individually owned and operated neighborhood business.

In her free time, Ellice is an avid golfer, and loves to travel and work on her French skills. She has the opportunity to hone her language skills during yearly visits to her husband's family in the French Alps.

Testimonials

"Ellice was courteous, professional and reliable throughout our dealings. We're grateful for her help."

"Ellice was on top of everything. The process was amazingly easy and stress free."

"Ellice was fabulous! I recommend her every chance I get. Thank you for getting me the best loan around."

"Belated thanks for your time and expertise. Our vist was just what I needed. (You are very wise, and good at what you do.) Rest assured, I'll be joining [my friends] in singing your praises." - YB

"Thank you very much for referring me to Ellice Kaminsky. She was a total pleasure to work with--personable, efficient, and money-saving! This was the easiest financial transaction involving real estate that I've ever experienced. She matched BofA's rates, which were the lowest I could find, and she saved me more than $10,000 in fees. In spite of my damaged FICO score, Ellice found a loan for me with great terms and very little paperwork. When we ran into little issues, she figured out ways to resolve them. She most definitely went the extra mile." - MC

"Ellice, I really appreciated your letter and have followed through on, not quite all of it but I will. I don't know if I have ever thanked you enough for the quality of person you are and the service you provide. I always felt that I was in very respectable hands. Not that my situation was financially that complex but you have always served me very well and very honestly." - SV

Tel: 510 559 3330 ext 105
Cell: 510 418 2380
Fax: 510 559 3130
Email: shawn@tofinancial.com

Shawn has over 14 years of experience in the real estate industry and is a knowledgeable, reliable and trusted mortgage professional who always has his client's best interest at heart. His trade mark is his exceptional customer service, consistently exceeding his clients's expectations. He will keep you well informed throughout the loan process and will make sure that you understand the intricacies of your loan. His goal is to find the best loan that will fit your individual financial needs. He serves the beautiful local Bay Area and all of California.

The Title Insurance Industry is where Shawn began his real estate career as an account executive accumulating invaluable knowledge. Shawn has earned the Affiliate of the Year Award and the President's Award from the Berkeley Association of Realtors for demonstrating an outstanding commitment to serving the Real Estate Community. Shawn graduated from the University of California at Berkeley where he was a student athlete and met and later married his college sweetheart, Elaine. He enjoys the best of what California has to offer in the way of golfing, gardening, fishing and the outdoors.

Shawn has built his business primarily through referrals from satisfied and happy clients:

Testimonials

"Shawn just finished doing a complex refinancing for us on our house in Albany. He worked very hard from the beginning to the end, was extremely responsive throughout, and delivered on everything he said he would. In particular, he was on top of all the myriad details and alert to any possible roadblock. We'd gladly work with him again!" - Review from Marc F. Albany, CA

"Three loans later and I have to say that Shawn is great. He keeps his head and will let you know exactly what to expect on the bumpy road before signing. There are so many things to worry about when buying a house and Shawn is not one of them. A class act. I would insist that my family and friends use him in the future." - Review from Simon W. Point Richmond, CA:

Shawn Moore from Thousand Oaks was like the mad genius of mortgages. My wife and I had some non-standard issues, Shawn found a way to make it all work. Even after he thought he found us the best possible deal he kept checking and found us an even better one. Shawn was not only friendly he was down right hospitable. Shawn has been just a phone call away and has always been happy to answer any questions we've had since buying our home." - Review from Roberto S. Berkeley, CA"

Thank you for visiting Shawn's Profile. He looks forward to serving you.

Tel: 510 559 3330 ext 108
Cell: 510 847 8092
Fax: 510 559 3395
Email: nicolas@tofinancial.com

Nicolas grew up in the beautiful Savoie region of the French Alps. At the age of 16, he moved to Berkeley to attend the University of California. Graduating in 1996 with a B.A. in political economy, he then continued his education in Versailles, receiving an MBA from HEC, France's top business school.

After his studies, he went on to pursue his long-time dream of playing professional golf. During his five-year career, Nicolas had some exhilarating moments, including four tournament victories. After traveling extensively, he decided to settle in Berkeley and join Ellice, his stepmother, at Thousand Oaks Financial as a mortgage broker.

Nicolas understands that buying a home is a financial as well as an emotional decision. He sees his role as a consultant, sharing his expertise so that his clients can select the loan that is right for them. His experience in financial matters, his knowledge of different mortgage products, and his extensive access to lenders will be a great asset in finding the loan you want at a competitive rate.

Whether it is taking cash out of your equity, restructuring your credit, or lowering your rate, Nicolas can help you with all of your property needs.

Testimonials

"I had no idea it was so simple. I first told Nicolas roughly what I was interested in. He then gave me a list with all my options and the associated costs, and soon after that, I had my loan finalized. I will definitely use him again!" - Daniel

"Tom and I are very happy with Nicolas' efforts and talent, and will certainly be loyal customers !"