C.J. Kerls - Rate, NMLS #243438

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C.J. Kerls - Rate, NMLS #243438 Jumbo, self-employed and complex-income mortgages in the San Francisco Bay Area, Sonoma County, Southern California and Palm Springs. Licensed in 29 states.

Top 1% originators nationwide. 35+ years. NMLS #243438 | Rate NMLS #2611 CJ Kerls
Branch Manager/SVP of Mortgage Lending
Guaranteed Rate, Inc.
41 Freelon St. San Francisco, CA 94107
NMLS #243438, DRE #01320626, GR NMLS #2611
Licensed by The Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Equal Housing Lender
State License Numbers: AZ: Arizona Mortgage Banker License #0907078, CA: Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, CO: Regulated by the Division of Real Estate, GA: Residential Mortgage Licensee 243438, MA: MLO 243438, NJ: Licensed by the N.J. Department of Banking and Insurance, NY: Licensed Mortgage Banker - NYS Department of Financial Services, 750 Lexington Ave. Suite 2010, New York, New York 10022, OR: Licensed and Regulated by the Department of Consumer and Business Services, PA: Licensed by the Pennsylvania Department of Banking and Securities, RI: Rhode Island Licensed Lender, WA: MLO 243438

FOR LICENSING INFO; Consumer Access: https://www.nmlsconsumeraccess.org/

School's in session! Rate is here to help you check off your essentials before house hunting. 🏡✏️Applicant subject to cr...
09/01/2026

School's in session! Rate is here to help you check off your essentials before house hunting. 🏡✏️

Applicant subject to credit and underwriting approval. Restrictions apply.
Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit nmlsconsumeraccess.org. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

08/13/2026

Pattern recognition is the first step. Now it's time to break it.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6182a1zqj. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

08/06/2026

The best way to stop paying rent? Owning a home. We can help with that.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6183aEcoZ. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

Applicant subject to credit and underwriting approval. Restrictions apply.

08/03/2026

Our choices shape our days, and our days shape our lives. Start living yours in the Rate App.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6188a8x04. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

07/25/2026

Car guy? No. House guy.

Applicant subject to credit and underwriting approval. Restrictions apply.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6181v7DIb. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

07/22/2026

All the tools to live a longer, happier life - all in one place

Closing day: 🥳🔑🏡 Moving day: 📦😵‍💫🍕🛏️Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http:/...
07/21/2026

Closing day: 🥳🔑🏡 Moving day: 📦😵‍💫🍕🛏️

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6180vfO4Y. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

Applicant subject to credit and underwriting approval. Restrictions apply.

07/20/2026

Consider this a stress-free sample of all the Rate App app has to offer.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6187v2bBc. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

07/14/2026

The couch situation is between you and the doorway. The utilities do not have to be.

Rate Concierge gives you one point of contact to transfer and set up your utilities and internet at your new home, at no additional cost. Less time calling providers. Fewer moving-day surprises. One less horror story. Rate Concierge, powered by OneSource.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6189vFO99. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

07/13/2026

Pause your scroll. There are no sounds like home.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6184v0dEs. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

11/07/2024

Looking to invest in property or tap into the cash flow from your investment? 🏠💰 With a DSCR loan, you can qualify for a mortgage based on rental income alone—no need for paystubs, tax returns, or even a traditional job! This is ideal for self-employed pros or anyone wanting to expand their real estate portfolio without the usual hurdles. Interested in how this unique loan program can work for you? Send us a message to learn more and start maximizing your investment potential! 📈✨

Avoid Costly Refinancing Pitfalls! 💸🚫Refinancing can save you money, but not if you fall for the wrong promises. I had a...
09/17/2024

Avoid Costly Refinancing Pitfalls! 💸🚫
Refinancing can save you money, but not if you fall for the wrong promises. I had a client end up with $11K added to their loan when they fell for a “no cost refi” offer from another lender —yikes! 😲

Transparency is key when refinancing. Work with a lender who will break down every cost upfront so there are no surprises.

💡 Ready to explore your refinancing options? DM me “REFI” and let's run the numbers together!

09/11/2024

🏡 Thinking About Refinancing? Here Are 3 Things You Should Consider!
Refinancing your mortgage could save you money, but before you decide, make sure to think about these important points:

1️. Refinance Costs – Is it worth the upfront cost?
2️. Monthly Savings – How much will you actually save?
3️. Break-Even Point – When will your savings start to cover the cost of refinancing?

💡 Smart Tip: Consider using the savings from your refinance to pay down your loan faster. This can reduce the term of your mortgage and save you thousands!

📲 Want to see if refinancing is the right move for you? Let’s chat! Call me or send me a message.

05/02/2024

📢 3 key questions you MUST ask:

1. Rates matter
2. Consider closing costs
3. Can they get the deal done and close on time? Don't risk delays!

Choose a reputable lender with online reviews or someone highly recommended by your Realtor or Financial Planner.

09/27/2023

When buying a home, it matters how quickly you can get a mortgage and close the deal. Find out how fast you can get approved for a mortgage from Guaranteed Rate: http://ms.spr.ly/61849ldVi

09/26/2023

Dreams of buying a home, but nightmares of what the market might look like? With a little planning ahead, and a whole slew of loan options to offer, we can help you reach your goal: http://ms.spr.ly/61829Y0E8

Address

41 Freelon Street
San Francisco, CA
94107

Opening Hours

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

Telephone

+14155866003

Website

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