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Our Team

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Gabriel Fernandez

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Loan Officer NMLS #249225

Spanish and English

With 30+ years of experience, I can get you going in the right

direction.  Home equity line of credit/ADU specialist.  

Gabriel@NovelHomeLoans.com

Tel: (805) 550-5792

Monica Fullmer

Business Development & Loan Officer NMLS #514654

Spanish and English

30+ years of experience.  Manufactured homes, investment loans, FHA & VA, and reverse mortgages.  

Monica@NovelHomeLoans.com

Tel: (805) 600-0320

Nick Fernandez

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Loan Officer NMLS #1726851

First time homebuyer specialist!

Get pre-qualified BEFORE you buy.

Free homebuyer education.

Nick@NovelHomeLoans.com

Tel: (805) 345-0562

Bob Gayle

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Loan Officer NMLS #582948

Let my experience benefit you.

Reverse mortgage specialist.

Call me today for a quote.

Bob@NovelHomeLoans.com

Tel: (805) 748-7046

Letty Putney

Aly Putney

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Loan Officer NMLS #1713284

Loan Officer NMLS #1761678

Team Putney can help you with just about anything!

Letty@NovelHomeLoans.com

Tel: (805) 452-6912

Veronica Santos

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Administrative Assistant 

Spanish and English

I'm here to schedule your appointments and

answer all your questions.

Veronica@NovelHomeLoans.com

Tel: (805) 832-6000

Joey Machado

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Loan Officer NMLS #1466197

Jumbo loan specialist, personal service.

Creative solutions.

Run your scenario by me today.

Joey@NovelHomeLoans.com

Tel: (805) 406-9114

Julian Montes

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Loan Officer NMLS #1662590

Spanish and English

I'm a local specialist and know what my clients need.

Let me help you buy a home or lower your monthly payment.

Julian@NovelHomeLoans.com

Tel: (805) 621-4454

Roger Pitman

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Loan Officer NMLS #324135

Be comfortable with the loan process, work with me.

My many years of experience make it easy for you 

to get the loan you need.

Roger@NovelHomeLoans.com

Tel: (805) 345-7217

Sixto Guardado

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Business Development & Support, NE San Francisco/Antioch

Spanish and English

I work with referral partners to help find loans that traditional banks don't offer.

Sixto@PrestamosParaCasas.com

Tel: (925) 369-4160

Graciela Lovo Guardado

​Business Development & Support, NE San Francisco/Antioch

Spanish and English

I work with referral partners to help find loans that traditional banks don't offer.

Graciela@PrestamosParaCasas.com.com

Tel: (925) 369-5715

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722 E Main St #105 Santa Maria, CA 93454

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About Us

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We've been helping customers afford the home of their dreams for many years and we love what we do.

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Company NMLS 

1431482

Contact Us

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722 E. Main St. Suite 105
Santa Maria, CA 93454
Phone:  (805) 793-1300

Business Hours

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M-F:   9:00 am - 6:00 pm
SAT:    By Appointment
SUN:   Closed

© 2026 POWERED BY NOVEL HOME LOANS

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