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Our Team and Mission

At Vanmar Lending, the mission extends beyond transactions; it's about creating pathways to homeownership with a blend of professional integrity and personal warmth that only a family business can offer.


Dive into homeownership with a partner who's with you

at every step, celebrating every win, big or small.

Kristen Martinez


Kristen Martinez has been one of the Coachella Valley’s premier mortgage brokers for over fifteen years. She epitomizes integrity, energy, hard work, and creative service in every detail of each transaction and her extensive knowledge of the residential mortgage market is unparalleled. Her strong base of loyal repeat customers is one reason Kristen has been so successful in this incredibly competitive sales environment. Time and time again Kristen's customers consistently seek her advice and trust her judgment.

Kristen’s first love is her family. She and her husband have six children and they are passionate about creating treasured family memories whether traveling, enjoying time at Lake Arrowhead, playing a competitive game, or simply hanging out with popcorn and a movie.

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Kristen has been trained and inspired in sales by some of the best. She continually seeks knowledge and tools to make her better at what she does. Kristen and her team pride themselves in communication. They discuss every detail of the transaction, from the first phone call all the way to the close. Kristen leads, trains, and motivates her team to accomplish goals. The five qualities which embody Kristen Martinez are: love, commitment, hard work, passion, and fun.

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Carlos may be reached at (760) 702-0420 via phone/text, or messaged here directly:

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Carlos Martinez
Chief Executive Officer

Carlos Martinez is the full-time branch manager and mortgage adviser for Vanmar Lending and enjoys helping people! He graduated from San Diego State University with a BA in Finance and now lives in the Coachella Valley with his wife Kristen and their 6 fun-loving children. He enjoys weekend barbecues while creating memories with his family. 

Carlos enjoys the challenges of structuring a tough file to give his clients the best financing options to make their dreams a reality. He also believes in open, direct communication to proactively prepare his clients for success. This belief is the foundation of Vanmar Lending.

Although lending may be stressful and involves a lot of mutual trust and strong communication, Carlos believes financing a home is one of the most important financial decisions a person can make and would be honored to be a lifelong resource for financing.

Yadira Jester
Office & Loan Partner Manager


Yadira Jester is Vanmar Lending’s Processing Manager. She got her start in the mortgage industry in 2006 and now has over 10 years of experience in several different positions in the lending business. Her areas of expertise include Federal Housing Administration (FHA), VA (Veterans Administration), USDA, and Conventional financing. Her extensive knowledge of the home buying process benefits her clients by always providing for a smooth transaction. Additionally, Yadira possesses a “can do” (positive) attitude and is able to structure a loan to get it to the closing table as quickly and efficiently as possible. Her knowledge and personable character help keep her clients at ease during the home buying process. 

Yadira is a perfectionist in both her personal and business life and thrives in a fast-paced environment. She is also an expert in out-of-the-box solutions in the ever-changing financial industry. 

She has lived in the Coachella Valley all her life and loves the Desert Life. Yadira is married and has two children which keep her on her toes.

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Bridgett Domingo
Executive Admin


Originally from Orange County, Bridgett Domingo has resided in the Coachella Valley for nearly 20 years. Bridgett has worked in property management almost exclusively her entire career; including commercial, residential and vacation rentals.


Since joining the Vanmar team, Bridgett has worn a coat of many colors; she prides herself on her versatility, resourcefulness and her can do attitude- all which help to make her hybrid role fun and efficient. Bridgett appreciates the challenge of balancing a healthy home life and a fast-paced work life, always striving towards what is next while remaining rooted in her values.  


Bridgett is a die-hard Raider football fan and enjoys spending her free time with her three daughters. She loves going to concerts, sporting events, and traveling but her ideal day is relaxing poolside with lots of sun and fun!

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Heidy Tallon
Loan Partner


Heidy Tallon is a Jr Loan Partner at Vanmar lending. She got her start in the mortgage business in 2015. As most team members, she started as a receptionist and climbed her way through different roles within the company. She has excelled because of her excellent customer service and the value she brings to all business relationships. 

There are several things which inspire her in life but is most inspired by her daughter and son. Family values are of the utmost importance to Heidy and are one of the reasons why she finds helping families into their new home so gratifying.

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Erika Martinez


Erika Martinez has just completed her one-year anniversary as the Director of First Impressions and also managed the Funding/Closing Department for Vanmar Lending. She now assists in the Processing Department and will soon be a full-pledged Processor. Erika is full of energy and eager to help with all questions and concerns. 

Prior to joining the Vanmar Lending Team, Erika worked as a short sale specialist for 3 years for a local Real Estate Office. Her experience with short sales has helped her learn and excel in the lending business. Erika was born and raised on the East side of the Coachella Valley, bilingual and currently resides in Indio, CA. with her family.

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Denise Goodman
Loan Officer


Denise Goodman has been a leader in the mortgage industry for over 35 years. She has been instrumental in assisting more than 11,300 home buyers to obtain their first homes with her expertise in FHA, VA, and Conventional first-time home buyer programs. She is recognized as one of the most knowledgeable government originators in California, working with REDC Real Estate Auctions, Coachella Valley Housing Coalition and many of the top Builders and Agents. Specialties include everything from FHA and VA loans to jumbo loans and conventional loans.

In her personal time, she spends time with her one and only grandchild. Denise is also very active with fostering adoptable dogs and cats; as well as working non-profit animal rights groups. Denise may also be reached at (760)774-8574 via phone or text.

Ronji Hill
Loan Officer


Meet Ronji Hill, a Mortgage Loan Officer who is passionate about delivering exceptional service to his clients. Originally from the Inland Empire, Ronji has a heartwarming love story as he is happily married to his middle school sweetheart, showing his dedication and loyalty.

Ronji strongly believes in going above and beyond for his clients, which is reflected in his daily practices. He thrives in customer service settings and enjoys connecting with people from all walks of life.

In his free time, Ronji is an avid sports enthusiast. Although he has been a devoted Cowboys fan since childhood, his love for sports extends beyond the football field. His diverse interests encompass a wide range of athletic pursuits, making him a well-rounded individual.

With almost a year of experience as a Mortgage Loan Officer, Ronji Hill is driven to achieve remarkable milestones in his career. His ambition to learn and grow keeps him at the forefront of the ever-evolving mortgage industry. Ronji may also be reached at (951) 499-9001 via phone or text.

NMLS: 2329980

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Maddox Epperson
Loan Officer

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Maddox Epperson is one of Vanmar Lending’s Mortgage Loan Originators. He started as an intern and after making a striking impact, he was hired on as a permanent employee. Maddox is a “go getter” and is able to support quick closings while maintain the personalized service Vanmar Lending is known for.
Maddox’s ability to hone in and provide exceptional attention to detail has served him well in his personal and professional settings. He is a Texas Football State Champion, obtained his NMLS after his freshman year in college, and will graduate after only three years as an Honor Student at Texas Christian University’s Neely School of Business. Maddox attacks each loan with individual attention and fervor as if preparing for an opponent on the gridiron. His drive to succeed is evident in all he does, including providing the best options for each individual.
Maddox will ensure the best financing options are presented and secured, and may also be reached at 
(469) 955-4626 via phone or text.

NMLS: 2503454

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Sandy Jacobo
Loan Officer


Sandy Jacobo is a trusted professional with over nine years’ experience in the real estate industry.  Throughout her career, she has developed a reputation for providing exceptional service with unwavering dedication.  What truly sets her apart is her commitment to delivering a swift and seamless experience for her clients.  She understands that time is of the essence in the real estate world, so she guarantees fast response times to ensure that her clients' needs are met promptly and efficiently.


Sandy’s family is her inspiration and motivation to constantly strive for greatness.  When not assisting clients, she is on the pickleball court embracing her competitive side or exploring new dining establishments and em”bark”ing on new adventures with her two French bulldogs.


Communication is at the heart of her approach to ensure clients are well-informed and empowered to make the best decisions for their real estate ventures.  She firmly believes in going the extra mile to provide the guidance, support, and education necessary for her clients to make sound choices.  For Sandy, it's not just about closing a deal; it's about making a meaningful impact on people's lives. Sandy may also be reached at (760) 980-4689 via phone or text.

NMLS: 2544577

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