Welcome to Napa Valley Lending!

The Napa Valley Lending Team is your premiere mortgage team located in Napa, California. We pride ourselves on offering some of the lowest rates nationwide and make the loan process simple, straightforward and fast for borrowers seeking a mortgage in the California area. Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, our highly experienced team of mortgage brokers can help you take that first step toward a financial solution.

We are proud and honored to be a 100% referral based business.

At Napa Valley Lending, our ultimate goal is to create lasting relationships with each of our clients so that we may continue providing excellent service for a lifetime.

We specialize in the following California Mortgage Loans:

 

What We Do

We’re making getting a mortgage easier than ever before.
Although we are located in Napa, California, we offer unparalleled mortgage and refinance service to clients throughout the Great State of California!

Home Purchase Loans

Stress-free closings are our specialty. Leave the paperwork and deadlines to us.

Refinance Rates

Lower your monthly payments or shorten your loan term with our refinancing options.

Rate Comparisons

Easily compare mortgage rates to find the best deal for your financial goals.

Fast Funding

Get quick and hassle-free loan approvals to keep your home-buying process on track.

Evaluate Your Property

Understand your property's value and potential with a professional assessment.

Cash-Out Refinance

Tap into your home equity for major expenses, renovations, or debt consolidation.

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...All the Way through Retirement

Napa Valley Lending has you covered with the perfect financing solutions to meet your specific needs. 

Mortgages Made Simple

A Home Loan Designed For You

Whether you are a first time homebuyer or an experienced real estate investor, having a mortgage team you can count on is crucial.

Pre-Approval Made Easy

See what you can borrow and shop with confidence.

Compare Rates & Save

Get personalized quotes with no obligation to commit.

Expert Guidance

Get professional answers to your mortgage questions.

Get Your Fast Customized Quote Here!

No Obligation. No Credit Check.

Your time & money matter. Let’s not waste either.

From fast, custom digital quotes to a completely streamlined online loan application and approval
process, you can get your money and do what you want with it — usually in less than 30 days.

HOMEBUYERS

See how much you qualify for in today's market.

REFINANCE

We can help you lower your rate or take cash out.

TODAY'S RATES

See if the time is right for you to purchase or refinance.

Ellen Kohagura

Branch Manager
DRE#01370347/# 01821025
NMLS # 250696 / # 972674
NMLS Site

(707) 226-7550
ellen@napavalleylending.com

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“Please remember the greatest compliment that I can receive for my services is the referral to your family and friends”

Napa Valley's Finest 2024
2022 Scotsman Guide - Top Originator
C2 Top Producer 2020

Top Mortgage Broker in Fairfield

Our clients are the foundation of our success

We are dedicated to providing exceptional service and building lasting relationships with our clients, as they are the cornerstone of our achievements.

Yelp 5 Stars

LulaRoe Ashley J.

6/21/2023

Ellen is an absolute pleasure to work with! She is always quick to respond and wonderful at walking you through every detail. As a first time homebuyer, Ellen truly made the process of buying our home painless. When we are ready to refinance down the road Ellen at Napa Valley Lending will be our one stop shop! If you want a broker that makes you feel like family, choose Ellen.

Yelp 5 Stars

Sheila R.

7/21/2021

Working with Ellen Kohagura was a great experience. I had an unusual situation in which I was turned down by other brokers. Ellen assured me she could help with the situation. Rarely have I had such great customer service. Her communication was outstanding. Responding to my needs or questions within minutes. Even after working hours. If information was needed from my CPA, she would contact him for me. She made the process seamless. I highly recommend Ellen for your lending needs.

Yelp 5 Stars

Melanie C.

6/16/2021

We have worked with Ellen on many transactions over the past twenty years. Ellen has always gone the distance for us, securing some of the most challenging transactions for us when we were sure no one could. Ellen's knowledge and skillset are unmatched. She also has a fantastic network of skilled real estate professionals, always finding a solution to whatever challenge arises. She treats every transaction like her own, and her attention to the tiniest detail has saved us untold hours and dollars. Ellen is an absolute joy to work with--her endless energy and positive personality make all the difference. We offer the absolute highest recommendation possible.

Yelp 5 Stars

Susan K.

6/02/2021

Ellen was amazing!!! Home loans/refinancing always makes me anxious, but Ellen made it painless, smooth, and fast. She answered all my questions and took the time to explain anything I was unsure about. I can't really thank her enough and it was great to work with someone who is such a nice person - no Napa Valley snobbery in sight!! Thank you Ellen!

Yelp 5 Stars

Tracy E.

9/17/2019

Ellen is amazing to work with as a Broker. I have lived in Napa for 36 years and never experienced anyone as knowledgeable and professional.
My husband and I have used Napa Valley Lending twice for home refinancing. Each process was easy and not stressful. Ellen is a rockstar and gets your loan to close in a timely manner. If you want the Best, this is the Broker to use.

Yelp 5 Stars

Jenny G.

5/04/2019

Ellen is the absolute best!! I'm a first time home buyer and going into this I had no idea what I was doing. I knew I wanted a house, but had no clue what steps to take to make it happen. Ellen literally walked me through each detail and was so genuine and caring. She made it clear she didn't want me to be nervous or unsure about anything. Any questions I had I could email her and within 5 minutes or less I'd get a response, even if it was late at night! Not only did she make the loan process easy and fun, she got me in touch with an excellent realtor to help me as well. People like Ellen are so rare to find. Now not only am I a home owner of my dream house, but I leave this process knowing so much more about purchasing property, and I have a new lifelong friend! Pick up the phone and call her, you'll feel the same way.

Yelp 5 Stars

Cassandra D.

11/20/2018

Ellen and Jordyn did a wonderful job with assisting me on getting my first home loan. Great, friendly, thorough, and quick communication! I highly recommend Napa Valley Lending.

Yelp 5 Stars

Antonio A.

2/12/2018

Great service, great help in getting a fantastic home loan. Nice to be able to talk to someone like Ellen who is trustworthy and hardworking!

Yelp 5 Stars

Joe L.

1/09/2018

Good help is hard to find these days. Ellen was one of the most helpful persons I've ever worked with. Start to finish she always had answers for my questions. I had questions late at night, because I was on night shift and she would still get back to me right away. This made my first time home buying experience a breeze. I was nervous going into it, but came out feeling totally confident. I would look honestly no further than Ellen. She will without a doubt help you with everything needed.
Thank You Ellen!