With over 25 years of experience in the mortgage industry, I'm dedicated to helping individuals and families achieve their homeownership dreams. I stay up-to-date with industry trends and have a strong background in first-time homebuyer programs. I'm confident in my ability to provide personalized service and find the best solutions for my client's needs, working closely with realtors to ensure a smooth and successful transaction.


Outside of work, I enjoy exploring new destinations with my family and staying active in my community. I believe in the power of homeownership to create lasting memories and build strong communities.


If you're looking for a mortgage professional who truly cares about your homeownership journey and values collaboration with realtors, let's connect! Together, we'll work towards turning your dream of homeownership into a reality.

VP of Mortgage Lending

Maggie Koepsell is your San Luis Obispo local lender. As a loan officer at Certainty Home Lending, Maggie 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 Maggie at (805) 674-6653 for more information!

Maggie Koepsell at Certainty Home Lending (NMLS #704130)

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.

Alexa Setting is your San Luis Obispo local lender. As a loan officer at Certainty Home Lending, Alexa 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 Alexa at (805) 503-8604 for more information!

Alexa Setting at Certainty Home Lending (NMLS #2359528)

Kim is a second-generation mortgage professional with over 2 decades of experience making homeownership dreams come true. Kim has extensive experience in the brokering and banking channels and uses both of those resources to find the best fit for all her various clients' needs. After so many years in the mortgage industry, Kim's focus remains on developing lifelong relationships with her clients, as well as her talented, professional referral partners. Kim holds both a National Mortgage License and California Department of Real Estate Salesperson license.


Kim has deep roots in San Luis Obispo where she has resided for over 30 years and enjoys life on the Central Coast with her 2 teenage boys and a rambunctious Chocolate Lab.

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)

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 (805) 550-3261 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 by the Anaheim Angels.


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 prestigious National Builder Division of Bank of America/Countrywide. 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 (17) and Colton (14).


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)

I am a San Diego native based in coastal Encinitas with our home office in San Luis Obispo, CA. I've been an entrepreneur, real estate investor and local business owner in the community for more than 25 years, so I understand how to navigate complex financial scenarios. My interests include travel, golf and outdoor adventure. My wife Sherin and I have raised two girls and we feel so fortunate to call North County, San Diego home.


I work with a tremendous and experienced team at Certainty. Our 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. My job is to find that perfect fit for you. 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. I look forward to helping you realize your real estate goals.

Demian Kloer is your San Luis Obispo local lender. As a loan officer at Certainty Home Lending, Demian 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 Demian at (760) 505-8892 for more information!

Demian Kloer at Certainty Home Lending (NMLS #2028035)

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)

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)

My name is Jeffrey Meyers, VP of Mortgage Lending at Certainty Home Lending. As a local mortgage lender, I draw on my extensive background in service-oriented professions to prioritize trust and excellence. Having spent a decade in the dynamic hospitality industry, I transitioned to becoming a trusted local mortgage professional, seamlessly integrating the principals of service and trust into crafting a unique loan experience for each client. Moving back to the Central Coast and choosing to live near the family ranch, where I've been raising my own family and immersing myself in the close-knit community, has been a highlight of living the SLO life! Currently residing in Shell Beach, I am not just a resident but an active participant in the vibrant Shell Beach Community. I take pride in being a local mortgage professional who is deeply connected to the unique intricacies of the Central Coast real estate market. My local expertise allows me to provide personalized insights and guidance, ensuring a smooth and tailored experience for every client.

Jeffrey Meyers is your San Luis Obispo local lender. As a loan officer at Certainty Home Lending, Jeffrey 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 Jeffrey at (805) 440-9006 for more information!

Jeffrey Meyers at Certainty Home Lending (NMLS #2080420)

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)

San Luis Obispo

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            Headquarters: 3940 N. Ravenswood Ave. Chicago, IL 60613 - ph. (844) 615-2955
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12 Loan Officers in San Luis Obispo, CA