Lending relationships

The lenders Robert works with.

Different purchases create different financing questions. Robert introduces the person whose experience, platform, and working style fit the buyer, the property, and the timeline.

Request an introduction Preparing the financing

Stone terrace and landscaped garden beside a Peninsula residence.

A working shortlist

Different files call for different lenders.

Private-bank guidelines can change. A competitive offer may need a shorter closing schedule. New Bay Area loan programs can also change what is practical.

Robert works with each person below in those conversations. An introduction is based on the needs of the file, not a fixed ranking or a required provider.

Lender relationships

Three lenders, matched to the purchase.

Guidelines, programs, and closing requirements can change. Robert makes an introduction for the specific financing question, then the lender confirms the current terms and approval requirements.

L.01
Citizens Private Bank
Chris Pederson
Managing Director, Menlo Park
Robert works with Chris when private-bank guidelines change or equity-related questions affect the financing plan. Citizens describes its Menlo Park team as coordinating integrated banking and wealth management, with personal and business banking available through the wider team.
Official capability
Integrated banking and wealth management; personal and business banking
Robert's note
Useful when changing private-bank or equity-related guidelines affect the purchase
Location
Menlo Park, California
Introduced for
Private-bank and equity-related questions
Citizens Menlo Park team
L.02
OriginPoint
Risha Kilaru
SVP of Mortgage Lending
Robert values Risha's creative approach to evolving Bay Area loan programs and her responsive communication as a file moves forward. Her official OriginPoint page lists purchase and refinance support, including jumbo loans, bank-statement loans, rate locking before contract, and accelerated approval programs.
Official capability
Purchase and refinance lending, including jumbo and bank-statement options
Program tools
Rate locking before contract and accelerated approval programs
Robert's note
Creative with evolving Bay Area programs and responsive
Location
San Francisco, California
Introduced for
Creative Bay Area program fit
NMLS #249676
View Risha at OriginPoint
L.03
Change Home Mortgage
Jae Ro
Sr. Mortgage Advisor
Robert works with Jae on highly competitive offers where the financing team may need to aim for a 12-day close. That schedule is a planning target, not a guarantee. Closing still depends on the buyer, the property, underwriting, approval, and the remaining loan conditions.
Official capability
Home loans in multiple states, with purchase and refinance support
Robert's note
Used when offer strength and a fast closing plan both matter
Location
San Jose, California
Introduced for
Competitive offers and compressed timelines
NMLS #1956762
View Jae at Change Home Mortgage

The terms

An introduction, not a requirement.

Matched to the file: Robert recommends a lender for the financing question in front of the buyer. The same lender is not right for every purchase.
The client chooses: Clients may use any lender they prefer and should compare current rates, fees, terms, and service.
The lender decides: Loan products, pricing, timelines, underwriting, and approval remain with the lender.

Robert Parish is a licensed real-estate broker associate, not a lender or mortgage broker. The businesses named on this page are independent. An introduction is not a guarantee of a loan, rate, program, approval, or closing date. Product availability and loan approval remain subject to each lender's current requirements.

Start with the financing question

Tell Robert what the purchase needs.

Share the likely price range, timing, property type, and what remains uncertain. Robert can make the lender introduction that best fits the file.

Request an introduction