In their words

What Clients & Community Leaders Say About Kathlene Carney Seidel

Quick Answer

Kathlene Carney Seidel (NMLS #2040727) holds a 5-star reputation among North Bay homeowners, adult children, and senior advocacy groups across Marin and Sonoma Counties. She helps seniors safely age in place through reverse mortgages and HECMs for Purchase, and also helps a broader range of clients with conventional purchase loans and refinances. Across both, clients consistently highlight her unhurried educational approach and transparent communication.

What Clients Say

Reviews shared directly by clients and their families.

Kathlene was professional, friendly, and generous with her time. She answered all of my questions in a way that was easy to understand and made me feel comfortable throughout the process. I’d recommend her for others seeking a reverse mortgage.

— C. Postel

Kathlene was great to work with. Reverse mortgages can be confusing, but she explained everything in a way that actually made sense. No pressure, no sales talk, just clear answers and patience. I’d recommend her to anyone who wants straight information.

— A. Fleish

I was grateful to find someone who was willing to take the time to help me understand my options. I was thrilled to get a private consultation instead.

— J. Hayes

We worked with Kathlene when my mom was exploring a reverse mortgage, and I really appreciated how she handled it. She made sure my mom understood the details, and she welcomed questions from the rest of the family too. She was honest about the benefits and the tradeoffs, which built a lot of trust. It never felt like she was pushing a loan, just helping us understand the option.

— J. Bartolucci

I spoke with a few loan officers before finding Kathlene, and the difference was clear right away. She didn’t rush the conversation or assume what I knew. She explained reverse mortgages carefully, including what they are and what they’re not. That made it much easier to decide whether it was right for me. I felt respected and well informed throughout the process.

— S. Long

I thank you so much for helping me through all the rigamarole of the reverse mortgage process. I must say that now it’s done, I feel so much better. I walk differently in the world.

— C. Davis

Thank you for all your help in this process. As always, you two present such helpful and valuable information. You are Gems!

— D. Antis

It was an absolute pleasure to work with Kathlene. She was diligent, and I felt like she got me the very best deal. I’m pretty sure I wouldn’t be a homeowner right now if it wasn’t for her. Kathlene’s patience and attention to detail is very much appreciated.

— C. Edmunds

Kathlene made buying our home much easier than we expected. She was responsive, easy to talk to, and very knowledgeable. We always knew where we stood, and the loan closed on time. Would definitely work with her again.

— J. Crawford

Kathlene helped us with the purchase of our home, and she was on top of everything. She communicated clearly, followed up quickly, and explained each step as we went along. When issues came up, she already had a plan. The whole process felt smooth because we knew she was handling the details.

— E. Jordan

Kathlene went above and beyond for me and my husband! We had a complicated transaction and Kathlene guided us through every step of the way. She is an exemplary loan officer and client advocate!

— R. Reese

Kathlene was enormously helpful guiding me through the process. She was educational and supportive throughout. I cannot recommend her highly enough!

— C. Popadiuk

Just in case anybody is wondering, I have had several mortgages and a couple of refis. I have never had anyone keep in touch with me as much as Kathlene. She keeps me updated each step of the way. I would recommend her to anyone! Such a change from me having to chase people down for updates.

— D. Hanselman

Kathlene is simply the best! Over a uniquely long and complicated process, she constantly and consistently went above and beyond to help us get a mortgage that fit our exact needs. Through every step of our engagement she provided multiple options, and gave us fantastic advice from her wealth of knowledge. Always engaged and accessible, she answered any and all questions that often extended well past what would have been asked of a Mortgage Loan Officer. Without a doubt, we could not have done this without Kathlene, and cannot recommend her highly enough.

— A. Syben

I am finally moved in and have been feeling so grateful to you for your gentle nudge in moving forward into buying a home. I was extremely daunted by the idea and was going to just sit back and wait. You provided personal, clear, realistic communication and you were extremely helpful in getting things moving. I’m grateful to you for your patience in working with me as you walked me through a new and alien process step by step. Now that I’m moved in, and loving my new place, I can’t imagine how things would have turned out if I had waited any longer. Thank you for your encouragement, availability, and excellent communication while guiding me through the process!

— L. Lischner

As first-time homebuyers, we couldn’t have asked for a better mortgage loan officer than Kathlene Carney. From our very first meeting, Kathlene’s warmth, expertise and commitment to finding answers made us feel comfortable starting this daunting process with her. Kathlene diligently noted our questions and walked us through mortgage terms, processes and stakeholders with compassion. We were also confident that Kathlene was looking for every opportunity to avoid or reduce extra charges. We really felt like we had someone on our side with Kathlene. If you’re considering buying a home and you don’t know where to start with getting a mortgage, I highly recommend reaching out to Kathlene. She’ll take care of you.

— A. Fry

5 Stars! I worked with Kathlene from overseas and she was excellent. Smart, thorough, responsive, a real advocate for me regarding my California real estate needs. Give her a call or email, she is terrific!

— E. Weiss

I was a first-time home buyer and relied on Kathlene to help me navigate the rapidly changing housing market and interest rates that seemed to change daily. She was super responsive and helpful, walking me through the entire process from start to finish. Made the overall home buying experience so much better. Thank you Kathlene!

— S. Burkman

Kathlene was a joy to work with as she is very knowledgeable, professional and kind! She made sure we understood the process and was patient and diligent until the close. I would absolutely recommend her to anyone looking to purchase or refinance your home.

— F. Morgen

Kathlene was very helpful and super nice. She explained everything in a way I was able to understand and made the process not stressful.

— D. Hayes

Kathlene was very helpful at guiding me through the refinancing process. She made the process easy to follow and understand. I felt really taken care of!

— J. Juhl

Kathlene provided an outstanding service! Her professionalism, expertise, and excellent communication made the entire mortgage process smooth and stress-free. Kathlene’s dedication to ensuring the best terms and rates, coupled with her warm demeanor, sets her apart. I highly recommend Kathlene for anyone seeking a top-notch Mortgage Loan Officer.

— R. Koscher

What Organizations & Communities Say

As the organizer of educational events for Seniors through the Sonoma Council on Aging, I scheduled Kathlene and Margaret to speak. As housing is a critical concern for Seniors, the overwhelming response was that the speakers did an ‘Excellent’ job explaining the topic. If your organization helps Seniors, I recommend having these speakers for an event you may host.

— Denise Johnson
Director of Nutrition and Health Services, Council on Aging

The Should I Stay or Should I Go? presentation was a great success. We had a nice turnout and participants were pleased. I highly recommend these speakers.

— Jenni Fleish
Recreation Program Supervisor, Town of Windsor

Lots of people let desk staff know it was a valuable program. Much appreciated!

— Jennifer Hooker
Adult Services Supervising Librarian, Mill Valley Public Library

Kathlene and Margaret spoke at our Senior Resource Center. The program was educational, they were very knowledgeable, and we were pleased. I highly recommend this presentation!

— Emily Heinzelman
Director of Senior Services, West County Community Services

Thanks for the library presentation. I go into events like this with a bit of a chip on my shoulder: what are they going to try to hard sell me on? What a treat not to have that happen.

— Bill
Workshop Attendee
Kathlene Carney Seidel

Kathlene Carney Seidel | Senior Loan Officer & Certified Reverse Mortgage Specialist | NMLS #2040727
NEXA Lending, LLC | NMLS #1660690 | Equal Housing Lender
Last Updated: August 2026

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