Branch Manager Branch Manager
Florica Shepherd
Branch Manager
4236 University Drive, Suite 100
Durham, North Carolina 27707
Phone: 919-294-3624
Cell: 919-282-7075
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With 30 years of mortgage experience in underwriting and sales, my focus is on each individual's home loan needs and to help consumers achieve their 'American Dream' in home ownership. Incorporated in 1986, Sierra Pacific Mortgage is licensed and approved to originate in 48 states.We are a direct lender with FHA, VA and USDA, and an approved Seller/Servicer with FannieMae and Freddie Mac. We originate loans through our Retail, Wholesale and Correspondentbusiness channels.Why we are successful:• We take a long term view of the US economy and the mortgage industry. This enables us tostay focused on our strategic vision and avoid overreacting to short term issues.• We anticipate, prepare, and execute business plans in advance of market trends to leverageregional, national, and regulatory opportunities to Sierra Pacific.• We take a local view of the industry and the needs of our customers and partners. This allowsus to develop retail and wholesale business channels that are successful. Both divisions presentsignificant growth opportunities to motivated brokers, branch managers and originators.What sets us apart:• We deliver consistently competitive pricing combined with a full service approach to enable youto not only compete for business, but close it efficiently and profitably.• We offer a broad array of products to give you maximum flexibility while meeting the needs ofyour clients, streamlining your business model, and enabling us to be your lender of choice.• We offer an advanced technology platform that supports you throughout the origination processand enables you to spend more time cultivating new business.• We have developed an amazing team of mortgage executives and sales people whose solecommitment is to your success.Promises made. Promises kept.For more information, please contact me at florica.shepherd@spmc.comvisit my blog at www.floricahomeloans.comcall me at 919-282-7075 nmls 138700

NMLS #822617 NMLS #822617
Bernie Rebollar
NMLS #822617
6230 Fairview Rd
Suite 270
Charlotte, North Carolina 28210
Phone: 704-529-2359
Cell: 980-349-5626
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Loan Consultant<br> NMLS #18274</br> Loan Consultant<br> NMLS #18274</br>
Christine Plunkett-Olliver
Loan Consultant
NMLS #18274
3701 Arco Corporate Drive, Suite 200
Charlotte, North Carolina 28273
Cell: 704-765-5935
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I started my mortgage career in 2004. What I enjoy most about this line of work is making the home buying experience a great one without all the stress that people so often encounter. Helping people pick the right program to best suit their needs is my specialty.

My team here at Cardinal Financial is the best I've ever worked with. Myself, along with my assistant and my processor streamline your loan so there are no issues along the way. I am always available to speak with you daynight if you have any questions.

We are a direct Fannie Mae and Freddie Mac lender which provides us access to the lowest rates and lowest closing costs. I will set the proper expectations upfront, provide a detailed checklist of items needed to cultivate a smooth process, and make sure you are confident in us during the entire process.

I strive to build long-term relationships that are meaningful and result in my client's best interests being served every time life necessitates a change of address. Many lenders can 'get you a loan'. My goal is to get you the right loan and get it done in a timeframe that is agreed upon from the beginning. It has been an honor to be a part of families here in our local community and all over the country as well.

Licensed in: Florida (LO31780), Georgia (47361), Kentucky (MC328799), North Carolina (I-166014), Virginia (MLO-28161VA)