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Palos Verdes Estates, CA

Your Palos Verdes mortgage expert, right here at home.

Navigating a home loan shouldn't feel like a mystery. I bring clarity, competitive rates, and personalized guidance to every borrower in the Palos Verdes Peninsula and surrounding South Bay communities.

Start Your Pre-Approval (310) 303-3413
Beautiful home in Palos Verdes Estates

Loan Types

15+
Program options available
Happy family with new home keys

Years Serving

10+
South Bay families helped

Rate Lock

30 Days
Extended lock options
What I Offer

Mortgage solutions tailored to your situation

Whether you're buying your first home, refinancing an investment property, or exploring options, I'll find the right path for your goals and budget.

Purchase Loans

First-time buyer or seasoned investor — I'll walk you through every option, from conventional to FHA, VA, and jumbo programs, so you can make a confident offer.

Refinancing

Lower your rate, shorten your term, or pull out equity — I'll run the numbers and show you whether refinancing makes sense for your specific financial picture.

Jumbo & Custom Loans

Palos Verdes properties often exceed conforming limits. I specialize in jumbo lending with competitive terms designed for higher-value homes in this market.

VA & Military Loans

Serving those who served — I understand the VA loan process inside and out, from Certificate of Eligibility to closing, with no down payment required.

Pre-Approval

A solid pre-approval strengthens your offer and gives you clarity on your true budget. I'll get you qualified quickly so you're ready when you find the right home.

Consultation & Education

No pressure, no jargon — just straightforward answers about rates, terms, and what to expect. I believe an informed borrower is an empowered borrower.

Katie Hartnett, mortgage professional in Palos Verdes Estates
About Katie

A local lender who actually lives here

I'm Katie Hartnett, and I've built my mortgage practice right here in Palos Verdes Estates. Being a neighbor to the communities I serve isn't just a marketing line — it means I understand the unique character of these hillside homes, the coastal lifestyle, and what matters most to families choosing to put down roots on the Peninsula.

Before founding my practice, I spent years in financial services across the South Bay, developing a reputation for transparency and follow-through. At CrossCountry Mortgage, I have the backing of a national lender with the personal touch of someone who shows up — in person, when it counts.

  • Licensed mortgage originator serving Los Angeles County
  • Dedicated to clear communication at every stage
  • Deep familiarity with Palos Verdes and South Bay neighborhoods
  • Backed by CrossCountry Mortgage's national lending platform
How It Works

From inquiry to closing — straightforward and supported

Every loan is different, but the path to closing follows a clear pattern. Here's what you can expect when we work together.

1

Initial Conversation

We'll discuss your goals, timeline, budget, and any questions you have — no obligation, just clarity.

2

Pre-Approval

I'll pull your financials, run the numbers, and get you a solid pre-approval so sellers take you seriously.

3

Lock & Underwrite

Once your rate is locked, my team handles the documentation and underwriting so you stay informed at every step.

4

Closing Day

You review the final numbers, sign the paperwork, and get the keys — I'm there until it's done.

Client Stories

What borrowers in the area are saying

Real feedback from real clients who trusted me with one of the biggest decisions of their lives.

"Katie made what we thought would be a stressful process feel completely manageable. She walked us through every step as first-time buyers and we never felt rushed or confused."
Client photo
Michael & Karen T.
Rolling Hills, CA
"We refinanced our home in PV and saved significantly on our monthly payment. Katie's attention to detail and responsiveness throughout the entire process was outstanding."
Client photo
David L.
Palos Verdes Estates, CA
"As a veteran, I needed someone who understood VA loans. Katie explained everything clearly and got me a fantastic rate. I couldn't have asked for a better experience."
Client photo
Robert J.
San Pedro, CA
Ready to Move Forward?

Let's find the right loan for your next chapter

Whether you're browsing options or ready to apply, I'm here to help you make the best decision for your family and your finances.

Request a Consultation Call (310) 303-3413
(310) 303-3413
Get in Touch

Let's start the conversation

Fill out the form below or reach out directly — I respond to every inquiry personally.

Contact Information

  • Office Address
    405 Via Chico
    Palos Verdes Estates, CA 90274
  • Office Hours
    Monday – Friday: 9:00 AM – 6:00 PM
    Saturday: By appointment

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