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.

VP of Mortgage Lending

Scott Elmerick is your Templeton local lender. As a loan officer at Certainty Home Lending, Scott 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 Scott at (805) 550-1339 for more information!

Scott Elmerick at Certainty Home Lending (NMLS #742366)

Getting a mortgage can be a frustrating process... shopping for a low rate, dealing with mounds of paperwork, hoping you can get someone on the phone or walk into a local office where's there's someone to help ... I can solve all that.


My philosophy for the past 20+ years has been to provide the convenience and low rates of an online lender with the A++ service of a local professional mortgage advisor. You can always count on me to be Approachable, Available and Accountable.


Whether it's your first time buying a home or you are a seasoned investor, I take the time to understand your needs, review options and share strategies to help you accomplish your goals. When you work with me, I will help you get the most home for your money and help you be in the best position when making an offer. I am an expert at unique situations and happy to answer questions with no obligation and no pressure.


As part of the Paso Robles community for more than 25 years, I have deep admiration for our wonderful quality of life. My husband, Kirk and I raised our 3 daughters here and enjoy spending our "empty nester time" in the great outdoors at music and sports events as well as taking long coastal hikes and winery tours.


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.

Zoe Raithel is your Templeton local lender. As a loan officer at Certainty Home Lending, Zoe 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 Zoe at (805) 400-8585 for more information!

Zoe Raithel at Certainty Home Lending (NMLS #894102)

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2 Loan Officers Templeton, CA