Let Elite Financial’s mortgage professionals put their mortgage expertise to work for you!

Meet the Elite Financial team of dedicated mortgage professionals serving all of California. These experienced and knowledgeable loan officers are committed to helping you obtain the best mortgage rates and home loan packages that best fit your needs. All loan professionals have experience with a variety of loan programs, including fixed rates (30, 20, 15, and 10 year fixed), safe stated income products, and safe adjustable “ARM” loans. Elite Financial mortgage professionals offer a personal touch to each transaction. From the pre-approval to the closing of your loan, the Elite Financial team is ready to help you navigate your loan process with ease. 


Michael Kagan

President NMLS #264278 BRE #00976738

As President of Elite Financial, Mike has been providing mortgage lending services to homebuyers/owners, builders/developers, REALTORS, CPAs, and financial planners for more than 25 years. He has built an experienced team that is knowledgeable about lending and dedicated to customer satisfaction. His referral business and repeat clientele is testament to the reputation he has built for treating clients with honesty and respect. Mike is on the board of directors of the Big Brothers Big Sisters of Ventura County. He also brought the Friendship Circle to California. The Friendship Circle is an international organization that pairs special needs children with teenage volunteers and also helps siblings and parents of special needs kids. In addition, Mike has operated a women’s shelter on his personal property. This passion for philanthropy is shared throughout Elite Financial. The company supports several high school sports teams in the area, as well as the Walt Disney Hall’s children program. Email Mike


Bill Noltemeyer

Regional Manager NMLS #247355 BRE #01096475

Bill has been a loan officer at Elite Financial since 1993. He has been assisting home buyers and builders secure financing since 1988. He focuses on providing guidance for first time buyers, ensuring they are aware and understand all of the available loan products. Bill specializes in conventional, FHA, jumbo loans, and 1st and 2nd combo loans. Bill has also been servicing the builder community for more than 25 years. Bill believes client communication is critical and is constantly updating buyers, REALTORS and builders on changing loan programs and guidelines, as well as providing loan status updates. Email Bill

Mike Yeates

Loan Officer NMLS #330026 BRE #01743815

Mike has been a Loan Officer at Elite Financial for more than 10 years. He has experience originating residential and commercial loans, and takes pride in assisting property owners and buyers in achieving the American dream. Specializing in home purchases and refinances, he is able to secure financing throughout California, with a wide variety of loan options including conventional, jumbo, FHA, VA, and reverse mortgages. By providing the best customer service to his clients, Mike has established a strong foundation of repeat customers and referral business. His network of financial planners and real estate professionals has positioned him for success, and allows his clients to benefit from his professional relationships. Mike personally manages each loan and make sure that his clients are well-informed through every step of the process. As a lifelong resident of Ventura County he is familiar with the area and is always keeping up with current market conditions and trends. He takes pride in making sure every customer is 100% satisfied with their loan experience. Mike lives in Camarillo with his wife and two children and enjoys golfing, basketball and fantasy football in his spare time. Email Mike


Office Manager

Carmen is the office manager, and has been a Senior Loan Processor at Elite Financial for more than 10 years. She specializes in FHA, VA, conventional, jumbo, conforming, reverse mortgages, and down payment assistance/first time buyer programs. Her experience allows her to assist and educate borrowers on getting the best program and terms possible. Carmen is dedicated to helping clients get into their new homes quickly and helping them refinance to better meet their financial needs. Email Carmen

Tammy Noltemeyer

Loan Officer NMLS #326380 BRE #00989011

With more than 25 years of real estate mortgage experience, Tammy has the knowledge to assist families during their home buying experience. Besides holding an active real estate sales license and mortgage lending license, she has extensive experience in, and obtained professional certification in the fields of real estate appraisal, loan processing, property management, consumer finance and insurance. Her particular interest is in non-standard loans and investor properties. Her philosophy is simple: Old fashioned service with high-tech results. She is pleased to be affiliated with Elite Financial for the last 15 years, as they are a company which shares that view. Email Tammy


Jeff Kagan

Jeff has been with Elite Financial since its inception in 1988. He has been involved in the mortgage industry since 1982 and has worked as a processor, loan officer and office manager. His goal is to always maintain a “customer for life” and being an advocate for all customers. With an extensive background in the loan mortgage financing and real estate industry, along with over 33 years in the mortgage industry, he offers his clients the best in experience and knowledge. Jeff grew up in the San Fernando Valley where he attended El Camino Real High School and California State University Northridge. Email Jeff


Rob Snedden

Regional Manager NMLS #1357181 BRE #01105766

Rob has more than 24 years of experience in the real estate and mortgage industry. He has worked in many facets of the industry including as a real estate agent, business broker, mortgage loan originator, a regional developer, and a regional VP for two major real estate franchises. Rob and his family are longtime residents of the Thousand Oaks/Westlake Village area, and are well respected within their communities and beyond. He enjoys golfing, basketball, wine tasting, and of course family and friends. Passionate about giving back to his community, Rob does volunteer work with the Los Angeles Police Department, the Multiple Sclerosis Foundation, the San Pedro Marine Mammal Care Center, and LAUSD’s Adaptive Physical Education program. Email Rob

Kevin Hugus

Sr. Loan Processor

Kevin has been helping people all over southern California fulfill their dream of home ownership for more than 17 years. He is extremely knowledgeable of government and conventional products, and has processed thousands of loans in a wide variety of programs, including FHA, VA, USDA, and private money, as well as conventional. He looks forward to helping you with your loan. Kevin holds a B.A. in Communications from Cal State Northridge and lives with his family in the San Fernando Valley. Email Kevin