The Kelly Marsh Team
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    Meet The Kelly Marsh Team

    Kelly Marsh
    Vice President / California, NMLS 245822
    kmarsh@houseloan.com
    E-Fax: 866.728.4331

    Kelly has more than 20 years of experience in the mortgage industry. In the past four years alone, Kelly has closed over $400 million dollars in loans ranking in the Top 125 Scotsman Guide in the nation for 2012 - 2016. Her industry experience and vast knowledge has been featured in the Santa Barbara News-Press, the trade journal Origination News, and other publications. Additionally, Kelly regularly facilitates seminars for real estate professionals.

    Born and raised in the community of Santa Barbara which she now serves, Kelly is committed to helping her clients navigate the most complex financial transaction, a home mortgage. Kelly believes clients are clients for life and continues to nurture relationships beyond the closing of the loan. Her clients are referred from a network of local businesses, including financial planners, accountants, real estate agents, and satisfied past clients. Kelly strongly believes in the power of face-to-face client meetings and with this has developed her own system to originate a loan from start to finish.

    Kelly leads a team of highly skilled and experienced support staff and loan originators. Kelly meets weekly with her team to thoroughly review their current pipeline and to improve and streamline their systems. The systems Kelly has implemented in her business have led to some of the best and brightest to come work with Kelly. She believes anything is possible with the right people on her team.

     

    Sumika Sim
    Branch Operations Manager, NMLS 1214210
    ssim@houseloan.com
    E-Fax: 866.286.6905

    Creative, diligent, and driven, Sumika explores every opportunity to help people achieve their homeownership dreams. “I love researching guidelines and figuring out solutions to help our clients,” she says. “That’s part of what makes our team so unique - we’re true advocates for our customers and strive to work in their best interests.”

    Sumika served in real estate for 8 years before joining the residential lending field in 2014. She started her mortgage career as a Loan Officer Assistant, quickly working her way to Efficiency Analyst and Loan Originator. In addition to being a loan officer, she manages branch operations for the Kelly Marsh Team of Cornerstone Home Lending. Whether it’s a first home, move-up residence, investment property, or new condo project, Sumika offers honest guidance, clear communication, and amazing service to help clients effortlessly navigate the mortgage process.

    Sumika holds a business economics degree from the University of California-Santa Barbara. She also attended Santa Barbara City College where she was part of a state-winning championship golf team. Outside of work, Sumika enjoys playing the occasional round of golf, trying out new recipes, having dance parties with her sister and 15-month-old nephew, and spending time with her husband and their adorable pup.

     

    Heather Ntem
    Director of Client Services, NMLS 1064305
    hntem@houseloan.com
    Office: 805.563.1100

    Heather wears many hats in her role as Director of Client Services. She's a quick problem solver, a caring listener, a marketing visionary, and a detailed planner of events big and small. No matter the task at hand, Heather's creativity and can-do attitude help team members expand homeownership opportunities in the communities they serve.

    Born in Twin Falls, Idaho, Heather has lived in Santa Barbara since 2003. She majored in Communication Studies at Santa Barbara City College and the University of California, Santa Barbara. One of her greatest life experiences was studying and living abroad in Ghana, West Africa for six months during her senior year at University of California, Santa Barbara. Before joining the mortgage industry in 2012, Heather honed her exceptional communication skills and customer service in the retail, hospitality, and real estate fields.

    Heather devotes her time outside of work to her husband and their adorable son. She loves to travel and explore new places, try new restaurants, and spend time with family and friends. Heather also takes time to recharge her mind, body, and spirit with hot yoga, spin classes, and energizing walks at the beach.

     

    Gloria Chan
    Administrative Assistant
    gchan@houseloan.com
    E-Fax: 866.728.4331

    Gloria’s enthusiasm, can-do attitude, and friendly personality warmly greet you the second you meet her. An impeccably detailed, organized, and dedicated professional, she expertly keeps day-to-day operations running smoothly. Team members value her incredible support and hard work each and every day.

    Born and raised in Hong Kong, Gloria immigrated to the United States in 2013. The UCSB graduate holds a communications degree with a minor in education and applied psychology. Gloria stays energized and centered with yoga and meditation.

     

    Chelsea Kootstra
    Production Associate, NMLS 1570671
    ckootstra@houseloan.com
    E-Fax: 866.728.4331

    Born and raised in Bakersfield, Chelsea has lived in Santa Barbara since 2012. The Westmont College graduate worked for an architecture firm before making the move to the mortgage industry in 2015. She quickly discovered she had found her true calling: Helping people make their homeownership dreams come true.

    Chelsea takes the time to listen and learn what’s most important to her clients. She understands how overwhelming getting a mortgage can seem, so she does everything she can to simplify the process. Quick to laugh and make others laugh, she is also quick to answer questions, keep clients updated at each step, and help team members deliver smooth, on-time closings.

    Chelsea's favorite thing to do outside of work is spending time with her family and friends. Whether it’s walking downtown, watching a movie, or playing with her baby nephew, what’s most important to her is the company she keeps.

     

    Cassie Benoza
    Senior Loan Processor
    cbenoza@houseloan.com
    E-Fax: 866.216.8670

    When it came time to pursue a career, Cassie didn’t have to look too far for inspiration. Her family has been involved in the finance industry for years. Before joining the lending side of the business, Cassie served in residential and commercial real estate. She offers an insider’s view of the entire home-buying process gained from 13 years of combined experience in mortgage and real estate.

    Cassie is a skilled multi-tasker with a passion for hard work. She approaches each day with 100% commitment to ensuring clients have positive home financing experiences. Like her fellow team members, Cassie offers clear communication and prompt resolution of any issues. She works closely with customers and co-workers, making sure loan files are complete and ready for the underwriting stage of the process.

    Cassie enjoys seeing the pride and joy homeownership brings. She is especially grateful for the opportunity to help clients who may have been overlooked by other lenders. Because of the Kelly Marsh Team’s broad understanding of investor guidelines, those customers were able to secure the right financing for their needs.

    Born and raised in Northern California, Cassie has lived in Santa Barbara since 2000. She graduated from the University of California-Santa Barbara, and spent several semesters studying abroad in Costa Rica and Spain. Outside of work, Cassie enjoys yoga, hiking, and trying new restaurants. She also loves planning vacations, so let her know some of your favorite destinations!

     

    Sheila Moser
    Senior Loan Processor, NMLS 1590372
    smoser@houseloan.com
    E-Fax: 866.384.8785

    Before joining The Kelly Marsh Team in 2013, Sheila served in accounting and real estate. Her meticulous attention to detail and prompt service help create efficient, seamless mortgage transactions. 

    Sheila also truly cares about her team members and their clients, and is always ready to lend a helping hand whenever needed. Her commitment to excellence shines in everything she does, and you can always count on her to do the job right and on time, every time. 

     

    Erica Kasson
    Assistant Processor
    ekasson@@houseloan.com
    E-Fax: 866.728.4775

    Erica considers each day an opportunity to learn something new. She loves applying the knowledge she gains to help clients achieve their homeownership dreams.

    With her laser focus and boundless energy, she excels in meeting quick deadlines in this fast-paced industry. Dedicated, dependable, and delightful to work with, Erica strives to provide customers and co-workers with above-and-beyond service.

    Outside of work, Erica concentrates on improving her overall wellness. She enjoys unplugging from the day-to-day grind by exploring the outdoors, staying active, learning new recipes, and catching up with family and friends.

     

    Catherine Nevarez
    Assistant Processor
    cnevarez@@houseloan.com
    E-Fax: 866.412.9426

    Catherine lives by the motto, Make every moment count. Whether it’s a walk along the beach with her dogs, a weekend trip to visit her daughter at college, or an outdoor concert under the stars, Catherine finds joy and gratitude in her heart for moments big and small.

    Catherine brings this same passion to helping people during a big moment in their lives: Becoming a homeowner. She offers trusted insight gained from nearly 30 years in title and escrow and 10 years in loan processing. Catherine is also quick to jump in and resolve issues that may affect the loan closing. Both customers and team members value her work ethic, instant accessibility, and caring service.

    Born in Santa Barbara, Catherine grew up in Carpinteria, where her family was one of the first to reside in the area. She currently lives in Oxnard with her children. In her spare time, she enjoys exploring the great outdoors, supporting the local arts and culture scene, and volunteering at her church.

     

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