Rhoda Paul
Rhoda Paul / Sr Mortgage Advisor
NMLS #243952
Phone: 925.627.7111
Cell: 510.390.3690
Fax: 855.695.8658

For most of us, buying a house or investing in a real estate is no small feat. A house is not just a house; it is a home, and all real estate owned or to be owned represents what may be the largest financial commitment(s) made in a lifetime. Our hopes, dreams, sanctity and wealth are on the line as is our peace of mind.

I understand this.

I consider it not only my professional responsibility but my duty to make sure my clients not only obtain the best loan initially but remain well informed long after the first deal is done.

My entire focus is on building a relationship of trust and confidence and in being a solid resource for my clients and referring Realtors. To this end I leave “no stone unturned.” For me and my team, excellence is not a skill, it is our attitude, our standard. We go out of our way to be accessible, communicate openly and honestly; and provide top notch service. We believe in transparency and do all we can to de-mystify the loan process.

From start to finish and beyond, I am my clients’ advocate. I have their backs! I am passionate about my profession and humbled to have been able to build a business in the last 10 years that is largely referral based.



             



  • “If you want a top notch mortgage broker, Rhoda is the person to call. …has all the right experience, connections and is great at explaining everything …Rhoda and I have completed many transactions together and my clients love her.”
    JEFFREY NEIDEMAN, Realtor, Pacific Union International

    “Through thick and thin, Rhoda has been a rock, a fortress, and bellwether! She's part mortgage broker, part counselor, total professional, and always interested in the welfare of her clients. I was a total novice in this type of pursuit, but Rhoda took it all in stride and helped me understand the process in a language I could understand--and did it all with patience, cheerful willingness, and alacrity. Add to this her ongoing efforts to keep me apprised of lowering rates ….

 It's this last major feature that makes her stand out. She doesn't just dump you once the "deal goes down", as it were; but instead she keeps her clients in mind when the climate changes for financing. This is a huge benefit -brainer" I'm not exaggerating when I recommend her to others; her integrity is unassailable.”
    RAY MYSLEWSKI, Client, Vocational Coordinator, Spectrum Center Schools

    “….uses her deep expertise and personable manner to keep the process moving and to find the right ender, expedite the process and explain what is happening in simple language. It is difficult to gin the trust of a detail-compulsive person like me but she di and I’s recommend her in any situation.”
    WALTER RATCLIFF, Client, Consultant in Accelerated Learning and Adaption of Change.

    “ Rhoda is the cream of the crop…provides the top notch service I expect for my clients in the very competitive Berkeley / Oakland residential real estate market. She know many of the top agents in this area and this helps in getting my buyers’ pre-approval letters more attention than some one from the “outside.” She works tirelessly for buyers, helping them evaluate the best scenario for their financial circumstances. I can’t recommend her more highly!”
    KATIE TIBETTS, Award Winning Real Estate Broker, Windermere Real Estate

    “…can do approach and cheerful attitude makes the often difficult process of getting a loan seem easy….brings superior skills and deep knowledge to the table…”
    HEIDI MUELLER, Realtor, Top Producer, Better Homes and Garden Realty/MMCD

    “ …the best of the best….epitome of service and consistently went beyond the call of duty and surpassed our expectations at every turn.”
    PATRICK SUMMAR, Client, Business Breakthrough Coach

    “…Rhoda is stellar. …not only knows her business but is willing to take the time to get to know you and your situation. This isn’t just another broker who pushes paperwork. Rhoda is committed to her clients and goes above and beyond.”
    NELLY HANDA – Client, Designer

    “ ….worked with Rhoda for over a decade. …proactive ..great at getting the word out when it is time to take advantage of the best rates….saved us a lot of money…very patient and clear in answering our questions and dealing with issues”
    DAVE HUME, Client, V.P. of Operations

    “…knows the mortgage business inside and out. …hard working and guides you through each step in the process. Trustworthy and professional.”
    MIA LEWIN – Client, Product Management Director – eBay Inc.

    “.. my job includes helping buyers get really good advice regarding their financing options….on more than one occasion (Rhoda) has pulled out all stoops to figure out the best option in complicated situations with very tight deadlines. She is reachable, reliable, personable and tell it like it is.”
    JACKIE CARE – Realtor, Pacific Union International

    “…smart and very knowledgeable as well as courteous and kind. …a pleasure to work with. Highly recommend her.”
    CLAIRE CUNNINGHAM, Realtor, BHG Highland Partners

    “...provided such good service when we purchased our home we called upon her expertise when we refinanced 3 years later.”
    GREG BARELA, Client, Compensation & HR Consultant

    “…refinanced twice in last 5 years and Rhoda always found the best rate available. The process was painless... would recommend Rhoda without the slightest hesitation.”
    MAC RYGIEL, Client, Global Equity Strategies, Artisan Partners

    “…pleasant to work with and made our deal close as promised even though there were some unexpected issues to deal with. Highly recommended.”
    HIROKO TSUMORI, Realtor, Coldwell Banker Real Estate

    “…provides excellent service and knowledge. She does what she says she is going to do and gets escrows closed with speed and efficiency. She is also a wonderful human being.”
    SHEILA SABINE, Realtor, The Grubb Co.

    “…helpful, thorough and communicative through the entire process. Refinancing for a contract employee is not easy. Rhoda explained and re- explained every step through the uncertainty…She is a master and nothing got by her…highly recommend her as a professional and a person who has a culture of excellence.”
    SUSAN SMYTH, Client, Interactive Project Manager, Wells Fargo

    “I have given Rhoda’s name to a number of clients who have been thrilled to work with her work and excellent follow through. …knows the lending business inside and out.”
    NANCY MUELLER, Realtor, Berkeley Hills Realty

    “…can’t say enough positive things about Rhoda. …deep and up to date knowledge about the ever changing real estate market…highly efficient and always on time….gives you advice as if she is reading your mind often times ahead of your next question.”
    KYOKO NAGAYASU, Client, QA Tester

    “…have used on 3 finances …has saved me $$$ over the years. …the best to work with. I will never work with anyone else. I recommend highly.”
    CRAIG SHORTLEY, Client, Medtronic

    “…a veteran in a business that has seen nothing but change over the last few years. She has persevered during these difficult times by providing excellent service.”
    DAVID ECKERT, Realtor, Coldwell Banker Real Estate

    “We’ve helped a number of Rhoda’s clients with insurance to close escrow. They always rave about her service! Rhoda brings a sense of grace and humor to what can be a tedious and challenging process.”
    RUTH STROUP, Farmers insurance Agency

    “Without Rhoda’s advocacy, diligence, incredible optimistic nature, and unwavering persistence, my husband and I doubt we would have been able to navigate the hurdles involved in purchasing our first home..”
    KATHLEEN MANIS JOHNSON, Client, Senior Policy Analyst

    “Rhoda is the personification of an advocate. …at every turn kept us fully informed…always at the ready …would not be in our home right now were it not for her commitment …constant presence.”
    JOSE FLORA, Client, Operations Manager, Dunsmuir

    “How many people look forward to talking with their mortgage broker? …very knowledgeable and experienced, quick-minded, and took the time to clearly communicate …. stayed in close touch with us throughout the home-buying process…. felt like we were in good hands and that she would get us the best possible rate available (which she did)…She know her stuff an on top of that has a great sense of humor, which helped make the mortgage process fun. She's a winner!”
    WENDY BECKERMAN, Client, Yoga Instructor

    “When I think of Rhoda I think of someone “dedicated to getting the deal closed.” She listens to her clients needs and insures that they are taken care of while processing the loan. Rhoda has worked with me on escrows for over 9 years. She is not only a can do but she also ha a kind heart. Whenever I work with her, I know that deadlines will be met, calls answered and emails responded to .”
    SEMIKO PRIM, Escrow Officer, Chicago Title Company

    “Rhoda has worked with many of my clients, on a wide range of loans and has proven herself to be truly great...works hard for her clients, has integrity, knowledge, and makes herself available when you need her. I have been able to count on her to come through for me and my clients 100% of the time”
    LINDA ELKIN, Realtor, Red Oak Realty

    “ As first time home buyers and majority owners of an early stage startup with a lot of debt, most lenders had no idea how evaluate our loan. Rhoda was the difference maker -- her hard work and diligence found us a compatible lender, got us a great rate, and made us happy home owners. 
During this process I was impressed by her dedication to transparency and communication. Loan processes are complex, but my wife and I never found ourselves with an unexpected fee or restriction, and always had someone to call on to clarify the heaps of obscure legalese.”
    JOHN (SHANE) LEWIN, Client, Microsoft

  • A Bit About Me, My Commitments, Style & Service

    For years I travelled the world as a top notch, fashion merchant and later as the owner of a very successful home interior decor business. While exciting and grateful for these professional successes, I always I loved returning home after a trip and at the end of the day. My home was and is my castle. It is where I find my greatest sanctity, joy, comfort and where I am most fully expressed and creative. In 2003 I decided to put my professional efforts where my heart was and is.

    I became a mortgage consultant so I could not only earn a good living for my family but so I could help others attain what I had found to be my “rock”… a home of their own!

    My extensive background in Sales, Marketing and Finance brings a unique wealth of knowledge, experience and a unique perspective to every transaction when assessing and determining the best solutions for my clients’ mortgage lending needs. I am articulate, naturally creative, resourceful and think outside the box. I work hard and believe in open, honest communication. I tell it like it is. I am known for my positive attitude, quick response times, and willingness to stay the course in seeking a workable solution in today’s world of complex lending. I am strategic and have a keen sense of humor. I not only listen but I hear. I stand for what I say and, simply, I care and will go out of my way to make certain that Clients and Realtors receive unparalleled service.

    For my Clients I will:

    • be available to you for a personal consultation that works for your schedule and be accessible for your preferred method of communication throughout the loan process. You will never be left wondering.
    • review carefully your specific needs and determine the best lending options based upon current market conditions and guidelines.. You will be thoroughly informed so you are able to make the best choice given your situation.
    • anticipate to prevent any potential issues form occurring.
    • hold your interests always as my first and foremost interest.
    • always be treat you with respect, kindness and appreciation.

    For my Realtors I will:

    • keep you fully informed throughout the loan’s process
    • anticipate for any potent6ial issues from occurring and make certain that your transaction closes on time.
    • communicate any impactful changes in the lending market so you are always “up to speed” and “in the know.”
    • pre-approve new clients within 2 hours of receipt of Client documents.
    • communicate to you and your team in you preferred method and desired frequency.
    • always be treat you with respect, kindness and appreciation.

  • Behind every good loan officer there is a Team because it does take a village!” supporting Rhoda Paul are:

    Mercedes Hernandez – Assistant & Transaction Coordinator
    Direct Phone: 925-627-7144
    mhernandez@rpm-mtg.com
    Mercedes is a native Californian blessed with a solid sales background and good understanding of the real estate market of the Bay area. With over 10 years with RPM Mortgage, she has worked as a processor during the wild refi boom of 2003, assisted two of the top 20 producers, survived the mortgage melt down and weathered the ever changing lending environment. Her personal goal is to provide the best possible service to Clients

    Jody Summers – Loan Processor
    Direct Phone: 925-627-7127
    jsummers@rpm-mtg.com
    Jody is a top notch RPM processor and known for managing loans with efficiency and grace. She is experienced, the “gatekeeper” for properly submitted files and easily exemplifies the Team’s standard of “no stone left unturned.”


Loan Programs

To help you find the right type of home loan to meet your specific needs, RPM Mortgage offers multiple mortgage programs. This variety of residential mortgage lending solutions puts you in control of your future and enables our knowledgeable, trusted staff to help create a personalized mortgage solution to make your real estate goals a reality.

Our loan programs include, but not limited to: Jumbo loans to $3 million, Agency Conforming, Agency High Balance, FHA Conforming, FHA High Balance, FHA Energy Efficient Mortgages (EEM), VA, VA Interest Rate Reduction Refinancing Loan (IRRL), USDA, Lender Paid Mortgage Insurance (MI) Option, Split, Single and Financed Mortgage Insurance (MI), Concurrent 1st and 2nd, Max Financed Properties (up to 10), Delayed Financing, Fannie Direct Lender, Fannie Mae Service Retained, Freddie Mac Investor Options, DU Refi Plus, HomePath, FHA Flips

Learn More

Home Purchase

Real estate moves fast. To secure the home of your dreams, you need customized home mortgage options and community-centered service. RPM Mortgage has a reputation of trust and results as well as supporting technology and tools to ensure your transaction is as streamlined as possible.
Learn More

Refinance

Finding the right lender for your refinance is an important decision. RPM Mortgage's wide range of products are all handled by our knowledgeable in-house mortgage lending staff. Thanks to the RPM lending platform and proximity to our top-tier staff, we deliver faster deals, more customized lending options and reliable service to you right here in the community we both know and love.

Whether you're looking for security, strength or a sterling reputation, RPM is your powerful ally in today's confusing home mortgage refinancing market.

• Expert community-based service
• Exclusive in-house mortgage banking service
• Established position and hard-won reputation for integrity
Learn More

Calculators

  • Mortgage Calculators

    Mortgage Loan
    Use this calculator to determine your monthly payment and amortization schedule.
    Mortgage Points Calculator
    Should you buy points? Use this calculator to find out.
    15 vs 30 Year Mortgage
    Use this calculator to compare these two mortgage terms, and let us help you decide which term is better for you.
    Adjustable Rate Mortgages
    This calculator helps you to determine what your adjustable mortgage payments will be.
    Mortgage APR
    Use this calculator to find the APR on your mortgage.
    Mortgage Tax Savings
    Interest and points paid for a home mortgage are tax deductible. Use this calculator to determine how much your mortgage could save you in income taxes.
    Balloon Mortgages
    A balloon mortgage can be an excellent option for many home buyers, use this calculator to see if a balloon mortgage might fit your needs.
    ARM vs Fixed Rate
    Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM.
    Interest Only Mortgage
    Use this calculator to generate an amortization schedule for an interest only mortgage.
    Option ARM vs. Fixed Rate Mortgage
    Use this calculator to find out how much money you could save with an Option ARM loan.
  • Budget Calculators

    Rent vs. Buy
    Are you better off buying your home, or should you continue to rent?
    Mortgage Qualifier
    Can you buy your dream home? Find out just how much you can afford!
    Required Income
    Use this calculator to determine how much income you need to qualify for a mortgage and how different interest rates affect your required income.
    Maximum Mortgage
    Use this calculator to determine your maximum mortgage and how different interest rates affect your how much you can borrow.
    Mortgage Payoff
    Save thousands of dollars in interest by increasing your monthly mortgage payment.
    Bi-weekly Payment Calculator
    Using bi-weekly payments can accelerate your mortgage payoff and save you thousands in interest. Use this calculator to compare a typical monthly payment schedule to an accelerated bi-weekly payment.
  • Refinance Calculators

    Refinance Interest Savings
    Use this calculator to see how much interest you can save by refinancing your mortgage!
    Refinance Breakeven
    Should you refinance your mortgage? Use this calculator to determine when you will breakeven!

Find A Home

RPM Mortgage wants you to have access to the most updated listings in the area of your choice. Through a trusted partnership with Homes.com we have brought these updated listings to you. Happy house hunting!



Referral Partners

You've worked hard to earn your credibility, success and community roots. You stake your reputation on every referral you make. As an RPM Mortgage referral partner, you will discover new opportunities to provide your customers with a more personalized option in residential mortgage lending. They will see faster, smoother and more effective transactions. Your reputation and business thrive on connections, referrals, and partnerships. Join RPM's network today and grow that reputation and business into a well-known, credible source.

RPM Mortgage has grown its reputation by attracting and rewarding the best talent in the communities we serve. Since 1986, RPM has built upon the pillars of trust, knowledge, and community focus, bringing these principles to our colleagues and customers through a tradition of "can do, will do" service. It is this that makes us the independently owned and operated mortgage banking operation and broker of choice from our Alamo, California home office to any of the over 70 markets we serve. Our established position and hard-won reputation for integrity combined with ingenuity have made us the real estate finance partner known for our supportive, collaborative partnerships.

Learn More