First-time homebuyer guidance
Understand your budget, down payment, documentation and the steps toward lender review. Ask about assistance options and current availability.
Explore first-time homebuyer guidanceTeam Windes | Local Lenders Group
California home loans.
With someone
you can reach.
Buying, refinancing or investing in California? Get personal mortgage guidance from Sasha Windes, serving Kern County, Southern California and borrowers statewide.
Specializing in mortgage options for self-employed borrowers.
Sasha Windes · CA DRE 01454354 · NMLS 331035
Team Windes | Local Lenders Group
Company CA DRE 01919683 · NMLS 1048641
California roots.
Personal attention.
5.0 on Google · 37 reviews Team Windes | Local Lenders Group · October 25, 2026
Meet the team behind your financing ↗Meet your loan officer
Sasha Windes
President, Team Windes
Senior Loan Officer
CA DRE 01454354 · NMLS 331035
Clear answers before
big decisions.
A mortgage is personal. The guidance should be, too.
I help California buyers, homeowners and investors understand their financing options and what comes next. My approach starts with listening: what you want to accomplish, how you earn and the questions you need answered.
My real estate background began in title services in 1993, and I joined Local Lending in 2005. Today, I work with Team Windes at Local Lenders Group to make the financing conversation practical, responsive and easier to follow.
Let’s make your next step clear.
01
Understand your goals
Start with your plans and a realistic conversation about the options.
02
Make the details clear
Know what documentation is needed and which questions to resolve.
03
Keep you informed
A point of contact as your file moves through the lending process.
In our clients’ words
Real experiences.
Personal connections.
5.0 out of 5 on Google
37 reviews for Team Windes | Local Lenders Group
As of October 25, 2026
Clear communication
★★★★★ Google
“Her communication was exceptional, keeping us informed and explaining every step of the process.”
Read reviews on Google ↗
Personal attention
★★★★★ Google
“What really made Sasha exceptional was her availability and personal attention.”
Read reviews on Google ↗
Homebuying guidance
★★★★★ Google
“She explained everything to where it was easy to understand and was great to work with!”
Read reviews on Google ↗
Selected excerpts from public Google reviews. Individual experiences; loan eligibility, terms and outcomes vary. Follow the source links to read more.
For real estate professionals
A lending relationship
built around communication.
Bring me the scenario early.
We can discuss your buyer’s financing questions, the documentation path and the information needed for lender review. Then we can agree on a practical way to keep the transaction team informed, with the borrower’s permission.
My role is to help your buyers understand their choices and the next step. Loan approval requires lender review of the complete file.
From a real estate professional
★★★★★ Google
“She takes the time to guide them, communicate with them, and make sure they feel supported from beginning to end.”
Real estate professional ·
Read reviews on Google ↗
An individual professional’s experience. Review excerpt.
Before we talk
A few common
starting questions.
Can we talk before I choose a home?
Yes. An early conversation can help you understand your budget, available documentation paths and the next steps toward a lender review. It is not a guarantee of approval.
What if I am self-employed?
Tell me how you earn and what records you have available. Conventional, bank statement or profit-and-loss programs may be worth exploring, depending on the lender’s requirements and your situation.
Does a refinance always save money?
No. We should compare the payment, closing costs, current and proposed loan terms, and your plans for the property. A lower payment alone does not establish a lower total cost.
What should I send in my first message?
Your general goal, approximate timeline and a good way to reach you. Keep Social Security numbers, birth dates, account numbers and financial documents out of ordinary email or contact messages. When you’re ready to apply, use the Start your application button to continue to our Loanzify application portal.
Local conversations. California reach.
Mortgage guidance where you call home.
Connect with Sasha about buying, refinancing or financing an investment property in California.
Bakersfield & Kern County
Plan a first purchase, discuss self-employed income or review an existing mortgage.
Explore Bakersfield home loans →Westlake Village & Southern California
Compare conventional, jumbo, physician and self-employed options for your next move.
Explore Westlake Village home loans →MORE GUIDANCE FROM OUR MORTGAGE TEAM
The right information.
For your next question.
Our websites each have a focus. Follow the one that fits what you want to learn next—all with Sasha and Team Windes at Local Lenders Group.
MILITARY SERVICE & VA BENEFITS
Understand your VA home loan benefit.
Explore eligibility, funding fees, homebuying steps and California resources for eligible veterans, service members and surviving spouses.
Visit the California VA Home Loan Guide ↗VAHomeLoanServices.comPHYSICIANS & MEDICAL PROFESSIONALS
A mortgage conversation for your career.
Explore employment contracts, residency transitions and income documentation for eligible physicians and medical professionals.
Explore physician loan guidance ↗PhysicianLoanAdvisor.comTHE TEAM BEHIND YOUR LOAN
Get to know Team Windes.
Meet our team at Local Lenders Group and explore broader mortgage education for California buyers and homeowners.
Visit Team Windes ↗TeamWindes.comLet’s make your next step clear
Contact Sasha.
You do not need to know every mortgage term before reaching out. Start with what you want to accomplish.
Let’s make your next step clear.
Read what clients say about working with us ↗
Westlake Village
4607 Lakeview Canyon Rd #574Westlake Village, CA 91361
Bakersfield
4900 California Ave #210-BBakersfield, CA 93309
Contact the team to arrange a meeting before visiting.
Your next step
Ready to get started?
Begin your mortgage application with Team Windes | Local Lenders Group through Loanzify.
Start your applicationOpens the Team Windes application portal in a new tab.
Opens your email app with a message addressed to Sasha@Teamwindes.com. Send your message from there.
Prefer the office? (800) 675-0819
General inquiries only. Please do not email sensitive financial information.