With over 20 years of experience in the lending industry, Kim has built her reputation on communication, expertise and results. She understands that every client's financial needs are unique, so she offers tailored loan solutions designed to achieve those goals. With the combination of her deep industry knowledge and commitment to personalized service, your successful closing is the priority. Kim's focus is on building strong lifetime relationships with her clients and the generation of homebuyers to come. She prides herself on being an educator of every part of the process, so her clients are informed and assured that they will have the best outcome at each transaction.


Kim has deep roots in San Luis Obispo, where she completed both her undergraduate and graduate degrees in Psychology at Cal Poly. After an initial career as a Marriage and Family Therapist, Kim transitioned into lending joining her father, a long time local lender. She loves raising her 2 boys here, and enjoys every aspect of Central Coast living, from hiking to beach days to wine tasting.


She is an affiliate member of the San Luis Obispo Coastal Association of Realtors and Pismo Coast Association of Realtors, where she loves constantly expanding her industry knowledge to help her clients and referral partners.


Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply.

VP of Mortgage Lending

Kim Williams is your San Luis Obispo local lender. As a loan officer at Certainty Home Lending, Kim is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Kim at (805) 471-6186 for more information!

Kim Williams at Certainty Home Lending (NMLS #263247)

Thank you for considering me to guide you through your home buying journey! At Certainty, we pride ourselves on providing the best customer service and exceeding your expectations of the mortgage process at every turn. From a complimentary pre-qualification through an on-time closing, I will be here to ensure confidence every step of the way.



Helping people realize the dream of homeownership is my passion. My experience and knowledge of the industry allows me to tailor each loan to meet the specific needs of each individual. Everyone's story is different, so no one loan will meet everyone's needs. My job is to find that perfect fit.



Buying a home can be one of the most important investments that we make. I am dedicated to making the process a positive and rewarding experience for you, and I welcome the opportunity to earn your business and your trust. Take the next step toward financing your home by clicking the "Apply Now" button now! You can also give me a call or send me an email to schedule some time to chat. I look forward to helping you finance your home.

Kevin Cunningham is your San Luis Obispo local lender. As a loan officer at Certainty Home Lending, Kevin is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Kevin at (805) 458-5178 for more information!

Kevin Cunningham at Certainty Home Lending (NMLS #633249)

Producing Sales Manager

Carley Smith is your San Luis Obispo local lender. As a loan officer at Certainty Home Lending, Carley is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Carley at (773) 435-7563 for more information!

Carley Smith at Certainty Home Lending (NMLS #448442)

With over two decades of experience in the mortgage industry, Bill Mott stands as one of the esteemed founding partners of Certainty Home Lending's San Luis Obispo Branch. His deep-rooted connection to San Luis Obispo has made him a trusted and dedicated professional in the field. Bill's unique blend of expertise and local knowledge allows him to tailor loans that perfectly suit each buyer's unique needs.


Bill's journey started in the heart of San Luis Obispo, where he was born and raised. He pursued his education at Santa Clara University, majoring in marketing at the prestigious Leavey School of Business. Not only a scholar, but Bill also excelled as an athlete and was recognized when he was drafted to play professional baseball.


After his baseball career, Bill transitioned into the mortgage industry, beginning his journey as a loan officer with a builder-owned mortgage company, William Lyon Homes. His dedication and commitment to his work were quickly evident, and he went on to join the national builder division of a prestigious national bank. For the past 15 years, Bill has consistently led some of the highest-producing branches in the county, earning the trust and respect of both his clients and peers.


Bill's roots in San Luis Obispo run deep, as his family has been a part of this community for more than 80 years. Today, he continues to call San Luis Obispo home, residing there with his loving wife, Erin, and their two sons, Brayden (18) and Colton (15).


Bill Mott's passion for helping individuals secure their dream homes and his intimate knowledge of the San Luis Obispo community make him a trusted advisor in the world of mortgages. His dedication to providing personalized solutions and his strong ties to the local community set him apart as a reliable partner for anyone navigating the real estate market.

Producing Branch Manager

Bill Mott is your San Luis Obispo local lender. As a loan officer at Certainty Home Lending, Bill is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Bill at (805) 234-5081 for more information!

Bill Mott at Certainty Home Lending (NMLS #341086)

With 20 years of experience in the home lending industry, it has been my pleasure to assist thousands of clients through the homebuying experience.


I consider myself a "teacher at heart" and understand the value that education plays in a successful home-buying process and homeownership.


My clients have the peace of mind to know that I've provided them with the pertinent information to choose the right mortgage loan product to best fit their needs. I've had the privilege to help first-time home buyers realize their dream. I've provided clients with information to help them move into the perfect home upon retirement and others realize generational wealth as they purchase multiple investment properties.


Family is everything to me. My wife Barbara and our two daughters Ellie and Arden are my world. I want each client I work with to feel as if they have spent time with someone they can trust, who has their back, and that they have been cared for as if they were a member of my family.


I take pride in knowing that for each loan I have helped close, I played a crucial part in my client's successful journey. I look forward to getting to know you and it would be my honor to help you with your home-buying needs!

Landon Spitler is your San Luis Obispo local lender. As a loan officer at Certainty Home Lending, Landon is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Landon at (805) 471-0243 for more information!

Landon Spitler at Certainty Home Lending (NMLS #633244)

**Macain "Mac" Weipert - Associate VP of Mortgage Lending at Certainty Home Lending**  
As the Associate VP of Mortgage Lending at Certainty Home Lending, I'm passionate about helping individuals and families in the Central Coast secure their dream homes and achieve financial stability. With over a decade of experience in mortgage lending, I specialize in creating tailored solutions that meet the unique needs of each client.


**Local Expertise**  
Having lived on the Central Coast for generations, I take pride in serving this vibrant community. My journey in finance began at Cal Poly SLO, where I earned my Bachelor's degree in Business Administration with a concentration in Finance. This foundation has equipped me with the knowledge and skills necessary to navigate the complexities of the mortgage industry.


**Comprehensive Mortgage Solutions**  
I have successfully guided a diverse range of clients—from first-time homebuyers excited to purchase their first property to seasoned investors seeking strategic mortgage options. My goal is to simplify the mortgage process and deliver exceptional results that align with my clients' financial goals.


**Family-First Philosophy**  
When I'm not assisting clients, I cherish time with my wife, Jesse, and our three energetic sons. They inspire my commitment to excellence in both my personal and professional life.


**Your Trusted Mortgage Advisor**  
As a dedicated mortgage professional, my mission is to empower individuals and families to find financial security through sound mortgage solutions. I am committed to continuous improvement and making a lasting impact on the lives of those I serve.


If you're seeking expert mortgage advice or want to connect with someone who shares your love for the Central Coast and the mortgage industry, feel free to reach out. Let's chat!

AVP of Mortgage Lending

Mac Weipert is your San Luis Obispo local lender. As a loan officer at Certainty Home Lending, Mac is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Mac at (805) 748-0756 for more information!

Mac Weipert at Certainty Home Lending (NMLS #994625)

As a founding partner of Certainty Home Lending's San Luis Obispo branch, Ben Lerner leads the most experienced and trusted lending office in the community. While Ben has remained a top-producing loan officer for more than 20 years, his singular dedication to each client stands as a hallmark of his reputation.


Ben moved to San Luis Obispo to attend Cal Poly. While obtaining a B.S. in Human Development and Psychology, Ben competed in cycling, representing the college at the highest level. Ben's love of learning, sport, and competition are still the building blocks of his business success.


After working in the sporting goods industry for Trek Bicycles and Nike, Ben transitioned to lending fueled by his desire to work with people directly in obtaining their dreams. His acumen in understanding the structure of lending and the ability to build relationships quickly propelled him to the top of the industry producers. Accountability, insight, and integrity are the benchmarks of Ben's business.


Ben has been married for more than 27 years to Susana. Their two children, Issac (22) and Eden (19), both attend University. Ben's roots in the community continue to grow. He is a proud sponsor of the Noor Foundation, the free healthcare clinic for San Luis Obispo County. The family also supports several other education initiatives in the community including Operation School Bell, through the Assistance League of SLO County, and Chabad San Luis Obispo. Ben measures his success by what he can give back.


When looking for a reliable partner to assist in financing your home, Ben Lerner's dedication and experience will ensure you have the right solutions for your needs.

Ben Lerner is your San Luis Obispo local lender. As a loan officer at Certainty Home Lending, Ben is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Ben at (805) 441-9486 for more information!

Ben Lerner at Certainty Home Lending (NMLS #395723)

Tawnya Lettau is your San Luis Obispo local lender. As a loan officer at Certainty Home Lending, Tawnya is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Tawnya at (805) 550-7071 for more information!

Tawnya Lettau at Certainty Home Lending (NMLS #693960)

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8 Loan Officers San Luis Obispo, CA