A California native, Vernon Etter was born in San Jose, raised in Cupertino and currently resides in Campbell. He has worked in the mortgage industry since 1987. Vernon worked his way through college and obtained a Bachelor of Science in Finance from Golden Gate University. He entered the lending industry out of college as a Mortgage Bank Manager Trainee. He discovered that he enjoyed sales more than management since a sales position enabled him to develop one-on-one relationships with clients and use his analytical skills.With his entire career focused on residential lending in Northern California, Vernon has a strong sense of the region's unique mortgage needs. So whether you are purchasing or refinancing, Vernon can help you make wise decisions. At Diversified Capital Funding, a division of American Pacific Mortgage (APM), our brand vision is Creating Experiences That Matter. In every interaction with us as individuals and as a company, we let our customers and consumers know that they matter.CrossCountry Mortgage, LLC does business in the State of New York as CrossCountry Financing. Licensed Mortgage Banker – NYS Department of Financial Services. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act.CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.Certain restrictions apply. Call for details. Certificate of Eligibility required for VA loans. NMLS3029 (www.nmlsconsumeraccess.org).Personal NMLS#274240Branch NMLS#1553210 Company NMLS3029