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

Justin K

Neetu is amazing! She was thorough, patient, professional, and kind throughout the process, and always took time to answer my calls and emails. She kept us calm, reassured, and informed, and we were able to close ahead of our expected date. Highly recommend! ... Read More

Mar 18, 2021

Kimberly H

Neetu was excellent. She was super responsive and made the process so easy. I was so pleased with her dedication and knowledge that I recommended her to my friends a family.

Mar 10, 2021

Srikanth G

Neetu was outstanding and a pleasure to work with. She was always ahead of the curve which resulted in no unwanted delays in the entire process. She was patient and helpful throughout. Rockstar.

Feb 23, 2021

Tiffany M

I personally love working with Neetu, she is knowledgeable, resourceful, and extremely helpful. I have worked with her several times now and I can't imagine working with anyone else. She has consistently locked me in with low rates and gets everything done so fast! I love working with her and I highly recommend her for any of your home loan needs. ... Read More

Feb 09, 2021

A G

Mrs. Machaiah is extremely sharp and attentive to the whole financing process. The entire process was efficient and moved along rapidly. I have no complaints.

Feb 02, 2021

Ravi R

Neetu is extremely responsive, efficient and professional and got me a great rate on my refi.

Jan 19, 2021

Justin K

Neetu is amazing. She was very helpful, responsive, patient, and thorough. We felt guided through the whole process and are very happy with the results. Would definitely- and highly - recommend her to anyone!

Jan 05, 2021

Roderick D

It has been a pleasure working with Neetu in finding our new home. Highly recommended ??

Jan 02, 2021

Prerna V

Had a wonderful experience. Thank you so much for your efforts. The whole process was extremely smooth and Neetu Machaiah went over and beyond to help us achieve our goals. I couldn’t have asked for anything better.

Dec 24, 2020

equal housing opportunityNMLS CONSUMER ACCESS LINK: NMLS #1850

© 2021 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.)

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.”