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

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

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

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Napa Valley Lending is a residential mortgage broker business based in Napa, CA.

10/31/2026

No tricks, just treats! 🎃👻 Wishing everyone a spooktacular Halloween filled with sweet memories, festive fun, and a little neighborhood magic. Have a safe and happy Halloween!

10/31/2026

A haunted house, but it’s just the buyer’s uncle who says he “knows a guy” for the loan. Every family has one. Well-meaning, very confident, hasn’t actually done a mortgage since rates were a completely different number. No shade to Uncle Steve. But your file deserves someone who does this for a living, not someone who did it once, a long time ago, under very different circumstances.

10/30/2026

Which neighborhood goes all out for Halloween every single year? Drop your pick below 👇 Building a list of the best decorated spots to check out this year — planning a drive-through with the family and want to hit the good ones.

10/30/2026

Life’s hard and we make it harder. Keep paying your landlord’s mortgage. Every rent payment is going somewhere. For a lot of people, it’s going toward someone else’s equity, someone else’s future, someone else’s home. That doesn’t mean renting is wrong for everyone right now. Sometimes it’s exactly the right move. But if buying has been in the back of your mind and you’ve just never checked the numbers, it might be worth ten minutes to actually find out where you stand. DM me READY and let’s see what’s possible for you.

10/20/2026

Anyone can close a deal when money is practically free. Survived this market? That takes actual skill.

10/18/2026

A calculator tells you what a payment could look like. A broker tells you what your payment will actually look like. Online calculators are a great starting point — but they’re working with averages, not your actual numbers. They don’t know your credit score, your real rate, or the stuff that changes your payment (taxes, insurance, PMI, HOA). A broker does. I shop multiple lenders, catch things before they become problems, and tell you not just “can you afford this” but “is this the right move for you.” Estimates are free. Getting it right takes an actual conversation. 📩 Skip the guesswork — DM me for your real numbers.

10/17/2026

Did you stop checking your credit score because you were scared of what it would say?

That fear is more common than you’d think, and it usually does more harm than the number itself. Not knowing where you stand doesn’t protect you from it — it just delays the moment you find out, usually at a worse time than if you’d checked on your own terms. The truth is, most credit pictures aren’t as bad as people imagine, and even when there’s work to do, there’s almost always a path forward. You just can’t build that path from not knowing. Checking isn’t a commitment to anything. It’s just information. DM me READY and let’s look at it together, no judgment, just a starting point.

10/16/2026

“What could she possibly be doing all day?” Explaining “pre-qualified” vs. “pre-approved” again.

Doing DTI math at a stoplight. Talking someone off a ledge over a 0.125% rate move. Reading bank statements like they’re mystery novels. Proving that $47 deposit really was from grandma. Sending “just circling back” emails while internally screaming. Explaining escrow for the 4,000th time. Dreaming about closing disclosures. Send help. Just a regular Tuesday. Tag a mortgage broker who needs a vacation.

10/11/2026

Gift funds are common — and lenders need to know they’re truly gifts, not loans you’ll have to repay later. That’s what a gift letter is for: a simple signed statement from the giver confirming no repayment is expected. It takes minutes to get. Skip it, and that $10,000 can stall your file right before closing. The buyers who move fastest just had it ready first. DM me READY and I’ll send you exactly what it needs to say.

10/10/2026

Getting from “offer accepted” to “here are the keys” is mostly just keeping everyone’s cool for 30 days. That’s where I come in.

Address

5230 Country Lane
Napa, CA
94558

Opening Hours

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

Website

http://www.napavalleylending.com/

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