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Commerce Home Mortgage


Commerce Mortgage

Commerce Home Mortgage has been providing home financing since 1994. The team is passionate about helping people fulfill their dreams of home ownership. Senior Mortgage Advisors Julia Demeter and Melissa Milton have decades of mortgage lending experience and are friendly, supportive people who know the easiest paths to getting mortgages done. They love sharing their expertise with each of their clients, always aiming to find the financing solution best suited to the immediate and long term goals of their clients, on both purchase loans and refinances.

Buying a home is a complex process and emotional experience. Julia and Melissa work closely with each client and their Realtor in the pre-approval and home-shopping phase, all the way through to the successful closing of a home purchase. Teamwork is key to a smooth transaction, and knowledge is key to a comfortable experience. Julia and Melissa strive to educate their clients about all of the loan options available to them and the many “rules of the road.”

Commerce has guided tens of thousands of people through the process. With its in-house underwriting, docs, and funding, loans get approved and funded efficiently and quickly.

CHM strives to provide Red Oak clients with the highest level of service and offers in-house underwriting, a dedicated appraisal management company with local, seasoned appraisers for each market area, and competitive pricing. The company funds all conventional, jumbo, FHA and VA loans from its San Ramon home office.

CHM feels strongly about giving back to the communities it serves. The company proudly supports Homes for Our Troops, Glide Memorial Church in San Francisco, the Red Oak Opportunity Fund (ROOF), Habitat for Humanity, and the Oakland/Berkeley Association of Realtors’ two 503c non-profits, the Ron Sterling Egherman Youth Arts & Education Fund and the Anita Thede Workforce Housing & Homeless Fund, among other organizations.

Julia Demeter
Sr. Mortgage Advisor
Office: 925.394.7753
Cell: 510.520.9700

Melissa Milton
Sr. Mortgage Advisor
Office: 510.542.2061
Cell: 415.516.4931