Warren Berkholtz

NMLS # 1412556


Warren Berkholtz Loan Officer
Background image for Diversified Capital Funding, a division of American Pacific Mortgage Corporation #1850 1850
Warren Berkholtz

Warren Berkholtz

Loan Officer

Mortgage Calculators

Loan Programs



About Warren

Loan Officer

The Mortgage Industry is overdue for innovation and technologies such as AI, machine vision, and deep machine learning. Yet, with decades of experience in these same technologies, in 2003 Warren Berkholtz started his career originating home loans. But this time, with a focus on the human side: customers’ needs and finding, then funding innovative solutions for them. 


This is why Warren relocated to Diversified Capital Funding in 2023. Inspired by Branch Manager, Karen Schenone, who co-founded Diversified Capital Funding, he saw a vision enabled by both the diverse range of products and integrity to the complexity of the mortgage industry challenges today.


Warren’s broad experience in lending includes Purchase, Developer’s Lender, Refinance, Non-QM, Portfolio, Conventional, FHA, DPA, Renovation, USDA, VA, Jumbo, EEM, MCC, One-Time-Close, HELOC, and now HECM & proprietary Reverse Mortgages.


He also served several months in a Real Estate Law Center, helping defend borrowers who fell prey to corrupt lending practices. Integrity is now even more important than ever before.


Warren also seeks to help those champions find solutions to California’s housing crisis. The central solution will involve Partnerships. Please see the link below:


Innovation & California’s Housing Shortage – the challenge and the business opportunity: 



Contact Warren at 707.480.8207.

Contact Warren

Warren Berkholtz

Loan Officer
NMLS# 1412556

Four Main Street, Suite 60E
Los Altos, CA 94022
State Licenses: CA

Trusted Partner

I want to earn your business for life. You can also count on me to help your family and friends whenever they need a mortgage.

Great Rates

I know that you want a great rate when you purchase or refinance a home! Our company offers some of the best rates in the industry.


Getting a mortgage requires a lot of communication. Our team will remain in constant contact with you throughout the process.

Close on Time

I know that time is of the essence whenever you’re buying or refinancing a home. I am committed to a quick and efficient closing.

Background image for Diversified Capital Funding, a division of American Pacific Mortgage Corporation #1850 1850

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