Sr. Mortgage Advisor

Neetu P. Machaiah

Sr. Mortgage Advisor NMLS# 836639 Licensed in CA and TX

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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!

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

Tiffany M

I love working with Neetu and her team! I have used Neetu for a previous home purchase and I contacted her again for my most recent purchase. She goes above and beyond to make your home purchase happen. Lucky for me, she works quickly and locked in my loan at a reasonable rate. I will continue to go to Neetu as well as recommend her to my friends and family. ... Read More

Nov 01, 2022

Lauren P

Neetu was exceptional to work with and I would recommend her to anyone looking to confidently get the home loan process complete. She was very fast and always followed through on anything she said. She had our purchase loan closed in 21 days and was very informative though the whole process. Before we even committed to working with her, she spent over an hour with me explaining the whole process to ensure I knew what to expect with my first home purchase. I will absolutely use her again when we purchase our next home. ... Read More

Mar 19, 2022

Katherine K

Neetu answered all of my questions thoroughly and explained things well.

Feb 15, 2022

Daniel H

Neetu is the best. She is professional and prompt and really knows the ins and outs of home financing. We were able to finance and purchase our first single family home because of her. I highly recommend working with her.

Feb 11, 2022

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

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, AZ, 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 NV. AZ Corp BK 1014819. 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.”

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