Sr. Mortgage Advisor

Neetu P. Machaiah

Sr. Mortgage Advisor NMLS# 836639 Licensed in CA

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(925) 522-6222 (925) 448-3083 neetu.machaiah@preferredrate.com

1255 Treat Blvd., Suite 300 - Office 314
Walnut Creek, CA 94597
Branch License #2119917

About Neetu P. Machaiah

Your mortgage is personal, and I understand that.

As a top-rated Mortgage Advisor, Neetu works with clients throughout California, focusing on the East Bay Area. With over 15 years of experience in the mortgage industry, she specializes in helping homebuyers with challenging loan requirements and overcoming obstacles other mortgage lenders can't tackle.

Neetu has access to many types of low-rate loan products, including conventional loans, adjustable-rate mortgages, interest-only loans, jumbo loans, doctor loans, FHA loans, VA loans and reverse mortgages. If you're purchasing a home, pulling cash out of a home, or refinancing a mortgage, you're in the right place.

Neetu is multi-lingual; she speaks English, Hindi, Kannada, Malayalam, Coorgi, and Punjabi fluently. She and her family reside in Walnut Creek, CA. Neetu loves everything the Bay Area offers — from the weather, people and real estate to restaurants, city life and the outdoors.


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We keep the mortgage process easy

Buying a new home can feel like everything at once: Exciting, overwhelming, stressful, and even emotionally taxing.

Whether this is your first home, your next home, or you’re thinking about refinancing, we’re ready to walk with you every step of the way.

  • Step 1 Connect with a Loan Expert

  • Step 2 Get Pre-Approved

  • Step 3 Make Offers

  • Step 4 Lock in your Preferred Rate

  • Step 5 Move in to your new home

  • Step 1 Connect with a Loan Expert

  • Step 2 Lock in your Preferred Rate

  • Step 3 Get your new loan approved!

Neetu's team

Kahari Meet Our Team Cropped 1

Kahari Bandy-Pasibe

Loan Officer Assistant
NMLS# 2035342

1255 Treat Blvd., Suite 300 - Office 314
Walnut Creek, CA 94597
Branch License #2119917

Buying a new home can feel like everything at once: Exciting, overwhelming, stressful, and even emotionally taxing.

Home Loans

  • Fixed-rate Mortgages
  • Adjustable-rate Mortgages
  • Interest-only Loans
  • Jumbo Loans
  • FHA
  • VA Loans
  • USDA Loans
  • Reverse Mortgages

Speciality Products

  • Keys On Time Program
  • Secure Lock Program
  • Jumbo Investor Loan Programs
  • Peak Loan Program
  • High Balance Solutions
  • Jumbo Solutions
  • Home Ready
  • Home Possible Advantage
  • STaR Program for First-Responders
  • Doctor Program for Medical Professionals
  • Manufactured Housing Loans

See what Neetu's clients have to say

Michael K

We have been lucky to work with Neetu twice over the past few years, and we couldn’t be happier. Neetu is practical, helps you understand all options available, and lays out the process for you. She and her team are incredibly responsive and supportive. Best of all, while informed every step of the way, you won’t be overwhelmed with details that don't matter. You’re in excellent hands when you work with Neetu. I’d work with her and her team again in a heartbeat. ... Read More

Dec 10, 2021

Mike K

We have been lucky to work with Neetu twice over the past few years, and we couldn’t be happier. Neetu is practical, helps you understand all options available, and lays out the process for you. She and her team are incredibly responsive and supportive. Best of all, while informed every step of the way, you won’t be overwhelmed with details that don't matter. You’re in excellent hands when you work with Neetu. I’d work with her and her team again in a heartbeat. ... Read More

Dec 10, 2021

Praveen A

Neetu is hands down the best! She is thorough, diligent, responsive and very helpful. We feel fortunate that we found her and she secured the best rates for us for both the original and the refinanced loan! Thanks Neetu. We highly recommend working with her. ... Read More

Nov 16, 2021

Yogesh A

Neetu goes beyond expectations to get you the best rate possible - even getting the lender to cough up additional unexpected costs. Highly recommended. We will get her to work for us again when we refinance.

Nov 07, 2021

Yogesh A

Neetu goes beyond expectations to get you the best rate possible - even getting the lender to cough up additional unexpected costs. Highly recommended. We will get her to work for us again when we refinance.

Nov 07, 2021

Arun K

My wife and I just had the pleasure of working with Neetu Machaiah and her amazing team. We did a 21 day escrow and she was quick and efficient. She and her team will literally go above and beyond to get you the best loan possible. Neetu and her team is an excellent communicator and delivers on her promises of all the dates during the process. She also has a wonderful personality and we really enjoyed working with her. I would recommended her to any family or friend member. Thank you Neetu and your team for the amazing service! ... Read More

Nov 04, 2021

Kyle S

Neetu was extremely responsive and got us an excellent rate.

Sep 18, 2021

Mai P

My husband and I were able to purchase our dream home during this crazy market. As first home buyers, the buying process can be very overwhelming and intimidating, but Neetu and her team definitely stepped up and made themselves available day and night to answer our questions. It was a pleasure to have the opportunity to work closely with them and the customer service level is AMAZING! I would recommend Neetu and her team to my friends and family. ... Read More

Aug 07, 2021

Tulasi P

Neetu is an expert in her domain and helped me navigate smoothly through the various stages of the mortgage approval process. She is very responsive, thourough and clearly communicates the expectations/outcomes of every phase of the process. She puts her clients' interests first. During my mortgage approval process, we were held up because of IRS taking too long to send the tax transcripts and Neetu deligently worked on alternate solutions in the background and made sure the loan was approved & closed a couple of days ahead of the schedule. I highly recommend Neetu for anyone's mortgage needs. ... Read More

Jul 07, 2021

equal housing opportunityNMLS CONSUMER ACCESS LINK: NMLS #1850

© 2022 American Pacific Mortgage Corporation. For informational purposes only. No guarantee of accuracy is expressed or implied. Programs shown may not include all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions may apply. Equal Housing Opportunity.

Licensed by the Dept. of Business Oversight under the CRMLA.

Licensed as Preferred Rate in AL, CA, CO, FL, GA, IL, IN, KS, KY, LA, MA, MD, MI, MO, MS, NC, OR, TN, TX, VA, WA, and WI. Preferred Rate operates under American Pacific Mortgage in AZ and NV. AZ Corp BK 0906702. CA DRE #01215943. Regulated by the Colorado Division of Real Estate. Georgia Residential Mortgage Licensee. NV MB 2941/164. Licensed under the Oregon Consumer Finance Act.

Licensed by the Illinois Department of Financial & Professional Regulation, Residential Mortgage License # MB.6761304 | James R. Thompson Center | IDPR – Residential Mortgage Banking | 100 West Randolph St, 9th Floor | Chicago, Illinois 60601 | (844-)768-1713

Licensed by the Department of Financial & Professional Regulation, Residential Mortgage License # MB.6761304

The Department of Financial and Professional Regulation (Department) evaluates our performance in meeting the financial services needs of this community, including the needs of low-income to moderate-income households. The Department takes this evaluation into account when deciding on certain applications submitted by us for approval by the Department. Your involvement is encouraged. You may obtain a copy of our evaluation. You may also submit signed, written comments about our performance in meeting community financial services needs to the Department." (Source: P.A. 101-657, eff. 3-23-21.)

Licensed by the Dept of Financial Protection and Innovation under the CRMLA.

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIALMORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.”