Headshot of Cindy Pulliam

Cindy Pulliam

Loan Officer

NMLS #350892

3174 Collins Drive, Suite A
Merced, CA 95348
(209) 777-4188 (209) 777-4188
[email protected]
Specializes in
Purchase and Refinance
Purchase and Refinance
Refinance Loans
Refinance Loans



About Cindy

Some say communication is important, I say it's necessary! When you're making the biggest financial decision of your life, you want to know what's going on every step of the way. That's where I come in. I truly love to talk, especially when I'm helping people make their homeownership dreams a reality!

I started in the mortgage industry as a receptionist in March 1988. I worked my way up from there after realizing there was such a vast opportunity to grow and expand my knowledge. With over 20 years in a variety of roles like processing, operations, underwriting, funding, and more, I have the experience and know-how to educate you about the process, answer your questions, and get you to the closing table quickly and efficiently.

I grew up barefoot and carefree on the beaches of sunny Southern California. After spending several years in Colorado, I returned to California and now reside in Central Valley. When I'm not helping my clients get the home financing they need, I garden, travel, and volunteer at a local committee. I also played recreational softball for over 25 years, hanging up my cleats after an ankle injury.


Recent Posts and Articles

  • Is a VA Loan Right for You?

    If you need a mortgage and are a current member of the U.S. Military, a Veteran, or a Surviving Spouse, a VA loan is an option for you.

  • tan house summer weather

    Navigating a Hot Homebuying Market Amid Rising Rates

    Spring and summer are typically strong periods for home sales, and this season may be more competitive than ever. When navigating today’s complex mortgage environment, here are some things to consider based on recent trends.

  • A home prepared for colder weather after following tips to winterize your home

    Frosty Fixups: 10 Ways to Winterize Your Home

    Whether you’re facing snow showers or sunny days, now is the time to follow our home winterization checklist to stay warm all season long.

  • Fall Check Up: Protect Your Home in 10 Steps

    Preparing for a new season may spotlight home repairs. Maybe it’s something simple, or perhaps your roof is caving in! Read more about fall home maintenance and how we can help.

A homeowner with a child on his lap calculating whether to buy a new home or refinance his home loan

Owning a home is fun and fulfilling!

What’s not to love about having a space that is entirely yours? You can paint your bathroom fuchsia, have hardwood in the master, put up a wild Mosaic in the kitchen, install a smart thermostat, you name it. After all, it’s your home!

Equally enjoyable are the other personal and financial advantages of being a homeowner: security and stability, equity and wealth building, and more! I’m here to help you get the most from your home financing — whether you’re buying your first home, moving up or downsizing to match your lifestyle, or refinancing your current mortgage.


Helping your home financing process go smoothly.

  • There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

What Our Clients Say

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