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San Ramon's Trusted Mortgage Advisor

Ready to Turn Your Housing Dreams Into a Signed Closing?

Navigating mortgage options shouldn't feel like a puzzle. Let's build a plan that fits your financial future — not the other way around.

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15+
Years Experience
500+
Families Helped
98%
Client Satisfaction
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What We Offer

Mortgage Solutions Tailored to Your Life

Every financial situation is unique. We design strategies around your goals, not a one-size-fits-all template.

Purchase Loans

Whether it's your first home or your next investment, we guide you through every step — from pre-approval to closing day and beyond.

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Refinance & Cash-Out

Lower your rate, shorten your term, or unlock the equity in your home. We find the strategy that makes mathematical sense for you.

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Financial Planning

Mortgages don't exist in a vacuum. We look at the bigger picture — debt, savings, credit — to build a plan that strengthens your entire financial life.

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First-Time Buyer Programs

FHA, VA, USDA, and conventional — we match you with the program that minimizes your down payment and maximizes your buying power.

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Rate Lock & Timing

Markets shift daily. We help you understand when to lock, when to wait, and how to protect yourself from rate volatility.

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Ongoing Support

Your relationship doesn't end at closing. We're here for questions, reassessment, and life changes that affect your mortgage strategy.

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Professional mortgage advisor workspace in San Ramon
Trusted
Local Advisor
About Rosha Shakya

More Than a Loan Officer — Your Financial Partner

Based in San Ramon, I've spent over a decade helping families and individuals navigate the complex world of mortgages and financial planning. My approach is simple: no pressure, no jargon, just honest advice tailored to your real situation.

I believe that understanding your options is the most powerful tool you have. That's why I take the time to explain every detail — from interest rate structures to closing cost breakdowns — so you can make decisions with full confidence, not guesswork.

Transparent Pricing
Local Expertise
Client-First Approach
Fast Turnaround
Let's Talk About Your Goals
How It Works

Your Path to Closing Day

A streamlined process designed to remove stress and keep you informed at every step.

1

Initial Consultation

We discuss your goals, timeline, and financial picture — no obligation, just clarity.

2

Custom Strategy

I present loan options tailored to your situation, with clear comparisons and honest recommendations.

3

Application & Approval

I handle the paperwork, coordinate with lenders, and keep you updated throughout underwriting.

4

Closing & Beyond

We review everything at closing, answer your final questions, and I'm here whenever you need me after.

Client Stories

What Our Clients Say

Real experiences from real clients who trusted us with their biggest financial decisions.

"Rosha made what I thought would be a terrifying process feel completely manageable. She explained every option clearly and helped us find a rate we were comfortable with. Our first home feels like a dream come true."

MK
Michael K.
First-Time Homebuyer, San Ramon

"We refinanced our home and saved over $300 a month. Rosha walked us through the numbers so we understood exactly what we were getting. Professional, patient, and genuinely invested in our success."

SL
Sandra L.
Refinance Client, Danville

"As a veteran, I didn't know much about VA loans. Rosha took the time to explain everything and made sure I got the best terms possible. I couldn't have asked for a better experience."

JT
James T.
VA Loan Client, Concord

Your Future Home Is Waiting. Let's Find It Together.

Whether you're buying your first home, refinancing, or exploring options — a free consultation is the best first step. No pressure. No obligation. Just answers.

Book Your Free Consultation Call (510) 334-2800
Get In Touch

Ready to Start Your Mortgage Journey?

Fill out the form below or reach out directly. We typically respond within one business day.

Office Address

2355 San Ramon Valley Blvd
San Ramon, CA 94583-1523

Your information is kept confidential and will never be shared with third parties.

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