Risha Kilaru is an experienced and courteous loan professional who provides a wide variety of home loan options and the knowledge and attention to detail that to take any loan from application to closing.




With Risha Kilaru, you'll receive:




* Commitment to the highest level of customer service
* The peace of mind that comes from working with a lender that has the expertise and technology to find the ideal loan program for your unique needs
* A highly efficient team dedicated to ensuring that your loan is closed smoothly and on time.




Feel free to contact Risha anytime by phone or email for personalized service and expert advice. Risha Kilaru will extend the same professional service to your friends, family members, work colleagues or neighbors who need help. Risha Kilaru values your business and will provide you with the best professional service and mortgage solutions that make most sense for you and your unique financial situation and real estate goals.

SVP of Mortgage Lending

Risha Kilaru is your San Francisco local lender. As a loan officer at OriginPoint, Risha is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Risha at (510) 338-7034 for more information!

Risha Kilaru at OriginPoint (NMLS #249676)

Fif Ghobadian's main focus is to provide the best loan product for her clients. She works tirelessly through any and all complications to provide the best priced and best packaged loans for her clients. Ghobadian has spent the majority of her years as a mortgage consultant and has been a top producer consistently since 2004.For over 20 years, Ghobadian held increasingly responsible financial positions at top financial firms. In 2002, she made a conscious decision to use her extensive financial expertise to help others and became a mortgage consultant. When she is not serving clients or volunteering, Ghobadian enjoys running with The Impala Racing Team, and vacationing with her children. Ghobadian holds a Bachelor of Arts degree from Claremont McKenna College with a double major in Economics/Accounting and Math

Producing Branch Manager/SVP of Mortgage Lending

Fif Ghobadian is your San Francisco local lender. As a loan officer, Fif is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Fif at (415) 203-9468 for more information!

Fif Ghobadian at OriginPoint (NMLS #110501)

With over 20 years in the mortgage lending business, Brian has developed exceptional customer service skills and is known for his attention to detail and deep understanding of the mortgage lending process. From the simple to the most complex financial profiles, he has a proven track record of helping clients navigate the complexities of home financing and providing each client with personalized solutions that are appropriate for their unique situation. Over the years, Brian has closed over a thousand loans and has consistently been recognized as a top performer in his field. Because change is the only constant in the lending business, he is committed to staying current on market trends and lending regulations with a goal to be a trusted advisor among clients and colleagues alike, long after any particular loan transaction has closed. Having a dedicated team for each loan, excellent communication and a wide variety of programs to choose from is what sets OriginPoint ahead in the lending business. From this foundation, Brian constructs a plan to quickly get loans finalized without any unnecessary effort from his clients.

Vice President, Mortgage Lending

Brian Bowman is your San Francisco local lender. As a loan officer at OriginPoint, Brian is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Brian at (415) 276-6888 for more information!

Brian Bowman at OriginPoint (NMLS #502261)

With over 25 years of experience in the mortgage and real estate industry, Rameshwar Prasad brings a deep well of knowledge, integrity, and personalized service to every client he serves. As Vice President of Mortgage Lending at OriginPoint, Ramesh is committed to guiding home buyers through one of life's most important financial decisions with clarity, confidence, and care.


Throughout his career, Ramesh has helped thousands of families secure the right loan solutions tailored to their unique goals—whether they're first-time homebuyers, seasoned investors, or seeking to refinance. Known for his strategic financial insight and dedication to service excellence, he consistently delivers streamlined mortgage experiences built on trust and transparency.


Ramesh's leadership background includes executive roles in real estate finance, mortgage operations, and franchise business development. He is also an MBA graduate from Pepperdine University and is currently pursuing his Doctorate in Global Business and Leadership. His expertise spans conventional, FHA, VA, jumbo, and niche loan programs—making him a valuable resource for diverse clients with a variety of lending needs.


Clients value Ramesh not only for his industry experience but also for his calm, solutions-focused approach and his passion for helping others achieve homeownership.


**"Whether you're buying your first home or refinancing your fifth, I'm here to simplify the process, advocate for your needs, and help you secure the right mortgage with confidence." – Ramesh Prasad**


**_____________**  
*Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply.*


*OriginPoint is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government.*  
*OriginPoint has no affiliation with the US Department of Veterans Affairs.*

VP of Mortgage Lending

Ramesh Prasad is your San Francisco local lender. As a loan officer at OriginPoint, Ramesh is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Ramesh at (916) 844-3592 for more information!

Ramesh Prasad at OriginPoint (NMLS #113689)

Jodee Brydges is a producing loan originator driven by a passion for helping individuals improve their financial well-being and build secure financial futures through portfolio diversification and homeownership.


With over three decades of experience in the financial industry, Jodee has served in many roles from originator to executive management and from CEO of her company to national speaker. She has built her production business by coaching and educating clients and peers alike.


Years of coaching clients and presenting to peers inspired Jodee to author and publish, "Digging Out, A Practical Guide to Getting Out of Debt & Paving the Path to a Secure Financial Future". Her goal is to share her knowledge and help individuals of all ages, income levels, and backgrounds, gain access to the basic financial literacy needed to build or improve their financial health.


In her downtime, Jodee loves to spend time with her family. She is an avid reader, ginormous Warriors fan, loves to cook and spend time outdoors…hiking biking, running, skiing and cheering at Mogul competitions for her daughter Chloe.  
Jodee believes that balance is the key to a successful life and that all work and no play, is no fun at all.

Jodee Brydges is your San Francisco local lender. As a loan officer at OriginPoint, Jodee is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Jodee at (510) 541-5616 for more information!

Jodee Brydges at OriginPoint (NMLS #277993)

Jonathan Pass grew up in the Bay Area attending local schools in the San Ramon Valley. Upon graduating from St. Mary's College with a Bachelor of Science he has worked in mortgage financing. He has been a top producer for over 25 years assisting thousands of families fulfill their financial dreams and goals. He loves providing a vehicle for his clients to create wealth and lasting memories. He currently resides in the Lamorinda area and is married with 3 children.

Jonathan Pass is your San Francisco local lender. As a loan officer at OriginPoint, Jonathan is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Jonathan at (925) 695-2053 for more information!

Jonathan Pass at OriginPoint (NMLS #281254)

San Francisco

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6 Loan Officers San Francisco, CA