Joselle Tully, B.S., Business Administration, A.A., Legal Secretary, just logged her 13th year with Golden Bear Mortgage as a mortgage loan officer. Joselle's background includes managing a commercial real estate firm for 2 years before moving to Citicorp in their retail real estate loan department for 5 years, then working as an assistant manager for Countrywide for 2 1/2 years, and Western Sunrise Mortgage for 5 years as they merged withHarbourton/GMAC. It was upon the closing of the retail department, 3 months after her 2nd child was born, that she  moved to Golden Bear to expand her offerings to her clients by working for a wholesale mortgage bank and broker offering FHA,VA,CalPERS,CalSTRS,and conventional financing for purchase and refinances. 

"Working for a wholesale mortgage company, like Golden Bear, allows me to offer more options for my clients.We work with many large banks and mortgage lenders nationwide and have access to special discounts and volume incentives due to our association with Sierra Pacific Mortgage company.  Having made a career in the home loan industry, it is imperative that I am able to offer my clients a remarkable rate and fee structure as well as obtain a conservative, well thought-out loan program for them that will suit their individual goals and personal needs for the duration. I am "hands-on" and will be involved in the transaction from beginning to end, and available, present, and accountable for my clients throughout the home buying or refinancing process...." 
Joselle is a 30 year resident of El Dorado County, a 20 year member of the El Dorado County Association of Realtors, a C.A.R.E. fundraiser participant and "Backpacks for Kids" fundraiser/donor, and enjoys playing and watching soccer with her husband of 20 years and their 2 kids .