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Loan Officer

Fernando Zapiain

NMLS #270739 | CA BRE #01446134

Loan Officer • Turlock Branch

Hablo Español
Cell: 209.380.5151
Office: 209.579.3029
Fax: 209.250.0871
Licensed in CA

About Fernando


Stemming from a family of profitable business owners and legal scholars, it was foreseen that I would create an established career in business with all of the necessary tools to lead me to my own success. 

I spent the majority of my life in Long Beach, California where my family and I enjoyed many trips to the beach and visiting the hub of Los Angeles. We became actively involved in the entertainment industry and I had the privilege to watch my family grow into entertainers featured on television, print magazines, and news shows. It wasn't long until I decided I wanted to take my own career to the next level.

I joined the United States Marine Corps in 1995 and was later given specialized training on multiple armed weapons and machine gunning equipment. After my time served, I started my college career in Long Beach and later obtained a position as a paralegal at a law firm. 

In 2004, I took my years of education and experience up to Central California where I started working as a licensed Realtor. With a thirst to gain more knowledge on the housing and financial market, I began my career as a loan officer. I feel that my experience in real estate has shaped me into an effective loan officer that displays compassion when working with clients. I believe in thorough communication and educating each client before pursing financial housing assistance.

Let it also be noted that distance never poses as a barrier between my services and my client. With all of the technology offered in today's world, I believe that business can always be taken to a new level whilst remaining professional. I have worked with many clients in Southern California while residing in Northern California. I maintain an excellent outreach to all clientele and promise to give every client the level of dedication needed to meet their financing needs! 

2014 & 2016 Top Producer Award

Email:  [email protected]
Branch Address:
 2130 Geer Rd, Suite C Turlock, CA 95382

Free Resources

First Time Homebuyer Checklist

This easy-to-follow First Time Homebuyer Checklist includes important information and worksheets to prepare you for buying your first home.

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Which Mortgage Loan Is Right For Me?

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5 Step Roadmap of the Home Loan Process

We mapped out the home loan process to provide you with the knowledge you need to navigate this exciting journey.

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Am I Financially Ready to Buy My First Home

This guide covers the most common financial questions asked when buying a home and is often needed to be financially ready. You may be ready to buy a home sooner than you think.

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Avoid These Mistakes When Buying Your First Home

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Insider’s Guide to Government Loan Options

In this guide, learn if you qualify for a government home loan for benefits that often include attractive interest rates, low down payment options and more lenient qualifying guidelines.

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Thanking our Servicemembers: Your Guide to a VA Loan

In this guide, you will learn why VA loans are a great option for homeownership for active members and veterans in our armed forces.

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Let us help you find the home loan to reach your financial goals.

American Pacific Mortgage Programs

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