Napa Valley Lending, Ellen Kohagura, NMLS 250696, CA DRE 01370347

Napa Valley Lending, Ellen Kohagura, NMLS 250696, CA DRE 01370347 Napa Valley Lending is a residential mortgage broker business based in Napa, CA.

Rates are high. I know. Everyone at every dinner party for the last two years knows. They were also high in 1987. Higher...
06/12/2026

Rates are high. I know. Everyone at every dinner party for the last two years knows. They were also high in 1987. Higher than today, actually. People bought houses anyway.

I have watched people sit on the sidelines for months waiting for the perfect moment. We finally sit down, look at their specific situation, and talk through what their options could potentially look like.

Sometimes the conversation changes things. Sometimes the timing is not right. Either way they leave knowing where they actually stand. Not financial advice. Just what I have observed doing this role. If you have been waiting — DM me the word READY. We will walk through your specific situation and what you may qualify for. No pressure. Just clarity.

The first property is rarely the dream property! It is the one that makes the dream property possible. The buyers who un...
06/11/2026

The first property is rarely the dream property!

It is the one that makes the dream property possible. The buyers who understand that early tend to approach the first purchase differently. Less focused on perfect. More focused on what this property does for their position over time. What equity could potentially build. What options it could open up. That shift in thinking changes the entire conversation about what to look for and what to prioritize.

DM to explore your options today. We will walk through your specific situation and talk through what your first purchase could potentially look like from a strategy perspective.

We’re excited and honored to announce that we’ve been nominated for Napa Valley’s Finest 2026! 🎉🏆 Best Mortgage Company🏆...
06/09/2026

We’re excited and honored to announce that we’ve been nominated for Napa Valley’s Finest 2026! 🎉

🏆 Best Mortgage Company
🏆 Best Mortgage Broker

Being recognized by our community is something we never take for granted. Every client, referral partner, friend, and family member who has supported us along the way has played a part in this achievement.

If we've helped you buy a home, refinance, invest, or simply provided guidance during your mortgage journey, we would sincerely appreciate your vote.

How to vote:

✔ Use the voting link below
✔ Go to the "Home" category
✔ Vote for us under:

• Best Mortgage Company
• Best Mortgage Broker

You can vote once per day, and every vote makes a difference.

https://napavalleyregister.secondstreetapp.com/Napa-Valleys-Finest-2026/


Thank you for your continued trust and support. Helping families achieve their homeownership goals is why we do what we do, and we're grateful to be part of such an incredible community.

We appreciate you more than you know! ❤️

A quick reminder of things that will not move the needle on your mortgage application. Your horoscope. The Fed announcem...
06/06/2026

A quick reminder of things that will not move the needle on your mortgage application.

Your horoscope. The Fed announcement your dad screenshotted and texted you at 7am. What rates did in 1987. Your neighbor’s opinion on the market. The article your coworker sent that was written by someone who has never actually closed a loan. None of it.

What actually matters is specific to your situation. Your income. Your credit. Your assets. Your timeline. The details that are unique to you and nobody else. That is the conversation worth having. Not financial advice.

Just a reminder that the right information is one conversation away. DM me and let’s talk through what actually matters for your specific situation.

Not once. I know how that sounds. But here is what I mean by it. There are loan products that are easier to process. Fas...
06/06/2026

Not once. I know how that sounds. But here is what I mean by it. There are loan products that are easier to process. Faster to close. Less back and forth. And there are loan products that are right for a specific person in a specific situation. Those two things are not always the same.

My job is to find the second one. Every single time. Even when it takes longer. Even when it requires more work on my end. Even when the easier option is sitting right there. Because the loan you are in for the next several years should be the one that made the most sense for you. Not the one that was most convenient for me.

If you want a broker who works for your outcome and not theirs — DM me. We will walk through your specific situation and talk through what you may qualify for. Honestly. With your best interest as the only thing on the table.

Your credit profile. Not just the score — the history and pattern behind it and what it communicates to a lender before ...
06/04/2026

Your credit profile. Not just the score — the history and pattern behind it and what it communicates to a lender before anything else is reviewed.

Your income structure. Not just the amount — how it is documented and how underwriting will interpret it on the other side.

Your debt to income ratio. The number that shapes almost every other conversation we will have from that point forward.

Those three things tell the story before anything else does.

Waking up in a place that is yours. A payment you actually understand. And a mortgage structured so it fits your life — ...
05/30/2026

Waking up in a place that is yours. A payment you actually understand. And a mortgage structured so it fits your life — not just the listing price. I am not saying it solves everything… but clarity on the numbers does make the whole process feel a lot less stressful. 🏡

These 5 specific documents usually cause most closing delays — and many buyers don’t realize they’re needed until the la...
05/27/2026

These 5 specific documents usually cause most closing delays — and many buyers don’t realize they’re needed until the last minute. The smoother closings usually aren’t luck. They’re preparation.

Common items that can slow things down:

1️⃣ Recent pay stubs
2️⃣ Bank statements (all pages)
3️⃣ W-2s / tax returns if needed
4️⃣ Clear ID documentation
5️⃣ Explanations for large deposits or account activity when requested

Every loan scenario is different, but delays often happen when paperwork is incomplete, outdated, or hard to track down late in the process. The buyers who close with less stress usually start organizing early. DM me CHECKLIST if you’d like a simple list of what to have ready before you start shopping. 🏡

05/25/2026

Today we remember and honor the brave men and women who made the ultimate sacrifice for our freedom. Grateful today and every day. 🇺🇸

The top three things I am telling buyers this spring: 1. Prequalify before you start touring homes. The buyers who know ...
05/22/2026

The top three things I am telling buyers this spring:

1. Prequalify before you start touring homes. The buyers who know their numbers early move with a lot more confidence when the right house appears.
2. Your numbers matter more than the headlines. Rates get the attention, but the full picture includes loan program, down payment options, and monthly payment.
3. The first home you love might not be the last one you see. Spring brings more inventory — but the homes buyers feel strongly about still move quickly.

Spring tends to bring more activity across the market, but the buyers who feel the most prepared usually start with one step: prequalifying early. If buying this year is on your radar, understanding your numbers ahead of time can make the entire process feel a lot clearer. 🏡🌱

Address

5230 Country Lane
Napa, CA
94558

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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