offer residential mortgages, the bank has since grown into a full-service institution, offering competitive rates on loans and deposits and attentive management of customer accounts. At Hibernia Bank

Gary Presnall is an experienced mortgage lender, with two decades of experience in the industry. He believes that providing strong relationships with clients. Gary offers a variety of loan types, including first-time homebuyer, conventional (VA, FHA, and

providing purchase and refinancing services for residential loans. Our team works closely with bothunderwriting approvals and fast closing timeframes of 12 days or less. Our provide our clients with a variety of loan options, as we have access status. Geoff Proctor has been a mortgage professional in California for 12

construction, rehabilitation, acquisition and sale of affordable housing developments through mortgage insurance, direct loan and grant programs. The firm actions; the development and acquisition of health care facilities; and commercial and residential leasing activities. Hessel and Aluise