Julie Kay

Sr. Loan Officer

Main Number: (707) 953-1232
Fax Number: (707) 540-6236
Email: jkayloans@gmail.com


525 College Ave Suite 231
Santa Rosa, CA 95404


Many clients have relied on the professional service of Julie Kay and PCM for real estate financing. Since 1992, Julie Kay has remained focused on delivering highly competitive financing for the first time home-buyer to the multi-million dollar investor. With the utmost attention to personal service, Julie has built a strong reputation as an outstanding Loan Officer, serving the lending needs of real estate professionals, individual homebuyers and investors.

Julie and her staff offer expertise in every area of mortgage lending…from purchase and refinance to FHA/VA and Conventional. We have access to a full range of mortgage sources and all of our lending specialists are dedicated to finding the right loan-with the best rates, terms and costs-to meet your unique needs. But that’s just the beginning of our service. Throughout the lending process, we provide regular loan updates and progress reports so you always know the status of your loan.

At Pinnacle Capital Mortgage, you not only have access to the best loans available in the marketplace, you may also apply for your loan at your convenience, online – 24 hours a day.

You can rely on Julie Kay- PCM to deliver financial solutions with integrity. With over 27 (Julie has) years of experience, our mission is to identify our clients’ needs, manage the lending process and exceed expectations.
We look forward to the opportunity to serve you.


Julie Kay is committed to providing HER clients with the highest quality services, combined with COMPETITIVE rates available in your area. She will work with you one on one, to ensure that you get a financial solution that is tailored specifically to meet your needs. Whether you are purchasing your dream home, refinancing an outstanding loan, or consolidating debt, Julie can help you find the right loan program, no matter what your needs are.

The goal here is to create lasting relationships with each and every client and to continue providing excellent service for many years to come. Unlike many of the larger nationwide mortgage companies that are out there, all of your information will be kept secure and private. To speak directly with Julie, simply give a call anytime or feel free to utilize any of the interactive tools offered throughout the site.