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 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 !"

Tel: 707 762 1879
Fax: 707 762 7472
Email: beth.farrar@sbcglobal.net

Beth graduated from UCLA in 1975. She began her real estate career in 1978 with Frank Howard & Allen. In 1982 she became a loan officer for Great Western Savings and shortly thereafter transitioned into mortgage lending.

She worked for Pacific Guarantee Mortgage in Greenbrae and Novato for almost twenty years before coming to Thousand Oaks Financial three years ago.

Testimonials

We have worked with Beth for over ten years and she has arranged over a dozen loans for us during this time. She has always delivered the best loans and provided excellent service. She genuinely has her client's best interests as her number one priority. Beth is smart, absolutely honest and it is a pleasure working with her.

Tel: 510 559 3330 ext 106
Fax: 510 559 3398
Email: sscott@tofinancial.com

Steve graduated from the university of Nevada with a BS degree in finance, and moved to the San Francisco Bay Area in 1972. He has worked in a number of roles in the real estate industry, including appraisal and residential property sales.

Steve has held his current position as a mortgage broker for over fifteen years. In addition to home loans, Steve has considerable experience in arranging loans for apartment, mixed-use, and commercial buildings. Another specialty is arranging financing for unusual properties, including problem properties and fixers.

Steve and his wife Michael have lived in Berkeley for over twenty-five years, and have two daughters, both in college. In his free time, Steve is also a dedicated musician. He plays the mandolin and the acoustic bass in two bands, one of which has been together for over 20 years.

Testimonials

Steve's friendly advice, professionalism and reputation have served me through the years, through several purchases and many refinances. Not only does Steve have the advantage of finding the best interest rate, but he also has a reputation for making a deal work by finding loan programs that only a few lenders may offer. Access to all financing options is crucial to success in real estate, and Steve Scott has the experience to know that no two deals are the same.

Steve Scott did a great job. He was prompt, attentive to detail, and thoroughly professional. Most importantly, he got a good result for me.

Among realtors, Steve Scott is a well-respected mortgage broker with a reputation for integrity. I highly recommend Steve Scott to anyone, whether they are a first time buyer or a seasoned investor.

I have been using Steve Scott at Thousand Oaks Financial for over ten years now. He has been very creative, honest and most of all trustworthy. He has helped me locate funding for residential and commercial properties throughout California. I have recommended him to many of my friends, including first-time home buyers and real estate developers.

Steve Scott has been a long time friend of mine. I first met him in our musical social circle where I have had the pleasure of playing with him for many years. When it came time to purchase a home I turned to Steve to help me get a loan that worked for my specific circumstances. When it came time to refinance my home Steve was enormously helpful. Since then I have used Steve's services three more times, I've referred him to other family members and friends of mine, all of whom have been extremely pleased with his ability to serve their needs. I highly recommend Steve Scott and assure you you'll be in good hands. You won't find a financial advisor you can trust more.

Tel: 5510 559 3330 ext 104
Fax: 510 559 3395
Email: swalden@tofinancial.com

Steve Walden is a second-generation Berkeley native. His deep roots here provide him with a unique perspective in helping others to be able to enjoy this wonderful part of the world. In 1979 he choose Real Estate Lending as a career, and has been at it ever since. Over the years, he has seen many changes in the real estate and lending industry, and has kept his knowledge base current about the huge variety of loan and qualifying options and great rates available right now.

Steve endeavors to make your lending experience seamless and comfortable, producing the results you want. He has financed single-family homes, two to four units, apartments, commercial buildings, bar land, and construction and residential developments. His clients have felt his commitment to the maxim "Mortgage Lending with Consideration and Care".

Testimonials

"Thank you again for helping me. My life is going to be less stressful, for sure!" Fracesca

"The best thing was that everything was explained fully and there were no surprises." Patrick

"Your rate quote and cost estimate was accurate and came through and you really listened to what we wanted and that's what we got."

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

Shawn is a licensed, reliable and trusted mortgage professional who always has his clients' best interest in mind. His trade mark is his exceptional customer service, consistently seeking to exceed his client'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.

His extensive expertise includes:

• Quick and easy purchases and refinances
• First time home buyers
• 100% financing
• Non-owner occupancy
• Stated income loans
• Credit challenged borrowers

The Title Insurance Industry is where Shawn began his real estate career as an account executive. While accumulating invaluable knowledge, Shawn 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's roots in the bay area go back farther than real estate. A Native Californian, he graduated from the University of California, Berkeley where he was a student athlete and met and married his college sweetheart, Elaine. He enjoys the best of what California has to offer in the way of golfing, fishing and the outdoors.

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

Tel: 510 559 3330 ext 110
Fax: 877 375 8341
Email: jlepire@tofinancial.com

Judy was raised on Queen Anne Hill, in the middle of Seattle. Shortly after graduating from the University of Washington, with a BA in Art, she loaded up her sports car and drove to the Bay Area for what she thought would be about a year. But, she met her husband, Tony, during her first week here, and married him 3 months later...they have lived in Berkeley ever since.

In 1978, Judy began her career in real estate and has since spent numerous years each as a real estate sales agent, a residential appraiser, and a mortgage broker (for approximately 10 years). There was a 16 year hiatus while she pursued another passion and enjoyed a successful career as a professional photographer with a variety of assignments throughout the Bay Area. Photography will always be an important part of her life. Some of her work can be seen at judylepire.com. All of these endeavors have given her an excellent understanding of people as well as a broad understanding of every aspect of the real estate transaction. She looks forward to helping you get through the loan process with the greatest degree of satisfaction and the least amount of aggravation.