San Rafael's Trusted Mortgage Broker

Your Home Loan Journey Starts With a Local Expert in San Rafael

Navigating the mortgage market doesn't have to be overwhelming. With over two decades of experience helping Bay Area families, Cristy Egan delivers personalized loan strategies — from first-time buyer programs to investment property financing — all tailored to your unique financial picture.

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20+ Years Experience
500+ Loans Closed
A+ Client Satisfaction
Beautiful home in San Rafael, California
Rate Lock Available Competitive rates on all loan types
What We Offer

Comprehensive Mortgage Solutions

Whether you're purchasing your first home, refinancing, or planning an investment, we structure loan programs that fit your goals and budget.

First-Time Home Buyers

Low down payment programs, FHA and conventional options, and guidance through every step of the home buying process.

Refinancing

Lower your rate, shorten your term, or tap into home equity — we'll find the strategy that makes financial sense for you.

Jumbo Loans

Financing for higher-priced properties in Marin County and the greater Bay Area with competitive terms.

Investment Properties

Strategic financing for rental properties, multi-units, and fix-and-flip projects tailored to your investment goals.

VA & USDA Loans

Specialized programs for veterans, active-duty service members, and rural property buyers with favorable terms.

Rate & Term Analysis

Free, no-obligation rate comparisons so you can make informed decisions with complete transparency.

Cristy Egan, mortgage broker in San Rafael
20+ Years of
Experience
About Cristy Egan

A Local Mortgage Professional You Can Trust

Based in the heart of San Rafael, Cristy Egan has spent over two decades helping families and investors navigate the complex world of mortgage lending. Her approach is simple: listen first, then build a loan strategy that truly fits the client's situation — not the other way around.

From the moment you reach out, you'll work directly with Cristy, not a call center. She knows the Bay Area market intimately and stays current on changing regulations, rate environments, and program options so you don't have to.

Personalized attention — you work directly with Cristy
Wide lender network for competitive rates
Clear communication throughout the entire process
Fast pre-approvals to strengthen your offer
Deep knowledge of Marin County and Bay Area lending
No pressure, no hidden fees — just honest guidance
How It Works

Your Path to Closing

A streamlined process designed to get you from application to closing with minimal stress and maximum clarity.

01

Free Consultation

Call or email to schedule a no-obligation conversation about your goals, budget, and timeline. We'll discuss your options and answer every question.

02

Loan Pre-Approval

We'll gather the necessary documentation and shop multiple lender options to secure the best rate and terms for your situation.

03

Rate Lock & Processing

Once you've found your home, we lock your rate and manage the entire processing workflow — appraisals, underwriting, and everything in between.

04

Closing Day

We coordinate with your title company, real estate agent, and lender to ensure a smooth, on-time closing. You'll know exactly what to expect.

Client Stories

What Our Clients Say

Real feedback from homeowners and investors across the Bay Area.

"Cristy made what we thought would be a stressful process feel completely manageable. She explained every step, answered our endless questions, and got us a rate we were thrilled with. We couldn't have asked for a better experience."

M
Michael & Sarah T. First-Time Buyers, San Rafael

"I've worked with Cristy on three separate transactions now — two refinances and a purchase. Each time, she's been thorough, responsive, and genuinely looking out for my best interest. That kind of reliability is rare."

D
David L. Repeat Client, Marin County

"As a veteran, I needed someone who understood VA loans inside and out. Cristy walked me through every option, helped me avoid common pitfalls, and closed on time. I recommend her to every veteran I know looking to buy a home."

R
Robert J. VA Loan, San Rafael
Ready to Get Started?

Let's Find the Right Loan
For Your Situation

Whether you're just exploring options or ready to apply, a free consultation is the best place to start. No pressure, no obligation — just honest answers to your mortgage questions.

Call 415-256-9689 Email Us
Get In Touch

Contact Us

Have questions about your mortgage options? Reach out today — we're here to help.

Office Address 1000 4th St Ste 225
San Rafael, CA 94901
Phone 415-256-9689
Email c-egan@pacbell.net
Office Hours Mon – Fri: 9:00 AM – 5:00 PM
Sat: By Appointment

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