Our Team

Rich Sondhi

NMLS: #276592
DRE: #01825753
Office: 916-765-9526
Direct: 916-765-9526
Email: rsondhi@sofunding.net


Let me, Rich Sondhi, help you with your new home. A mortgage and loan professional for more than 20 years, I have the knowledge and experience to help you through the loan process, find the terms that are right for your budget, and make sure all the legalities are competently handled so that the closing goes smoothly, and you can take possession of your new property.

Whether you’re a first-time home buyer, looking to trade up, deciding to downsize, or simply wishing for a change, I can help you before you ever make an offer on a property. I can sit down with you and look over your budget, income, and savings, helping you get a clear picture of what type and amount of loan is realistic. There are many factors to consider when getting a home loan; interest rates are only one element of the complete package. I will help you consider all your options so you can concentrate on making the best decision for your needs.

The financial aspects of home buying can be stressful and overwhelming—but they don’t have to be, not with a trained and caring professional like myself in your corner. Contact me today at 916-765-9526 and let’s get started making your home-ownership dream a reality.

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David Steep

NMLS: #275311
DRE: #01156483
Office: 916-316-3900
Direct: 916-316-3900
Fax: 916-367-6707
Email: dsteep@sofunding.net

As a Senior Loan Consultant with Silver Oak Funding, you can rely on me and my broad network of resources to make a real difference. Because of my own experience and the knowledgeable mortgage team that stands behind me, I’m an expert at connecting my customers to mortgage solutions that best meet their needs. I have an extensive background assisting military veterans, builders, home sellers, first-time homebuyers, self-employed borrowers and investment borrowers.

Integrity is the cornerstone of my business. I believe a mortgage should be about building relationships, helping my customers achieve their home financing goals and making customers for life.

I welcome the opportunity to earn your business and help you make your dreams of homeownership a reality.

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Katie Aday

NMLS: #329376
DRE: #02081054
Office: 916-284-6150
Direct: 916-284-6150
Email: kaday@sofunding.net


I earned my degree from Sacramento State University. I started my career in mortgage lending in 1994 working for a local homebuilder. During those years I worked closely with first-time homebuyers, specializing in Loan Processing. I have worked over the years with many different types of homebuyers each unique in their situations and this has given me the ability to form a close bond with all my clients.

I live and work in the Fair Oaks area, where I also raise my family. My daughter and son attend local schools. I am active in the local sports clubs as well as the schools.

I am a professional who focuses on solutions and satisfaction for my client’s unique situations. Whether you are looking for a new loan with fixed terms, purchasing an investment property, or looking for a better mortgage than you have currently, I will individually consult with you to ensure that I offer a full line of loan product solutions that best match your needs and financial situation. I believe in effective communication with each of my clients throughout the entire transaction and strive to build a relationship that continues long after the loan is closed. I am committed to earning your business and respect every time you choose to do business with me and refer others to engage my services.

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David Yarbrough

NMLS: #1688438
DRE: #01987563
Office: 530-401-8791


I have gained my experience from building homes and Real Estate Sales for over 20 years here in the greater Sacramento / El Dorado County area. I found myself helping my clients and friends get through the financial maze of home buying more than just helping them build or find a home. My passion became the knowledge of originating home loans. I consider all factors in determining the best loan strategy for each client’s particular needs. I provide each and every client with several options to choose from so everyone can achieve their home loan financing goals. I personally manage every loan and make sure each client receives “World Class Service”. It is my goal to help cut through the clutter and noise in the mortgage marketplace, so everyone can quickly and efficiently find a loan that meets their objectives and fits their lifestyle.

As a professional in the mortgage lending industry, I built my reputation on providing outstanding service to my clients. That means you can count on me to always look out for your best interests and to keep you informed throughout every step of the lending process.

I have outstanding insight and experience in the greater Sacramento / El Dorado County area. I have lived here for over 20 years, own a home here, and my wife has had her own business here for over 20 years. In my free time, I am an avid outdoorsman.

Whether you are financing your home or build purchase or need a refinance, I am here to serve you and help you accomplish all of your home loan financing goals. Contact me today at 530-401-8791 and let’s get started making your home-ownership dream a reality.

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Joanne Fratis

NMLS: #251439
DRE: #01817379
Office: 916-719-8629


Coming from a retail banking background, I transitioned and successfully managed Mortgage Banking Operations for over 20 years. I then decided to become a Mortgage Loan Broker. I did this so I could work directly with the borrower, rather than advising loan consultants who would normally represent you. My primary focus as a loan broker originator is to identify the best program available to my clients, matched to their specific needs and financial goals. I pride myself in educating home-buyers about the loan process, demystifying it, and providing the much-needed information and options to assist when it comes to critical time-sensitive decisions/actions.

I am experienced in FHA, Conventional, USDA, first-time homebuyers, Construction and VA financing. I have the vast knowledge and experience needed to help you through the loan process, finding terms that are right for your budget, and making sure all the legalities are competently handled so that the closing goes smoothly and you can promptly take possession of your new property.

Integrity, experience, and that personal touch are the cornerstones of my business. I believe a mortgage should be about building relationships and helping clients achieve their home financing goals.

Apply Now