Erica Zepko

Oakland, CA

NMLS# 1301941

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7 years of mortgage experience.
5 years of real estate law.

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B.A. University of California, San Diego.
J.D. Santa Clara University School of Law.

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CA (DRE 01960033), WA

Rated 5 out of 5
11 customer reviews
Very good0%


Erica joined SELFi to offer her clients a better mortgage: more loan programs, faster service, lower interest rates. Erica specializes in using the marketplace to find solutions to meet her client’s goals. Whether it’s getting the lowest interest, purchasing with as little as 3% down, or buying a home with non-traditional income or credit, she can help.

Prior to joining SELFi, Erica was a home loan adviser at Lenda, where she was instrumental in improving the home lending experience with technology. She seeks to leverage that experience to help her client’s have a better mortgage experience through the SELFi marketplace.

Erica is also a member of the state bar of California. She became an attorney so she could use her voice to effectuate positive social change.  A life-long Bay Area native, Erica is an active member of the Oakland community and volunteers her time with home ownership advocacy groups.

Client Reviews

Rated 5 out of 5
June 22, 2022

I’m a Realtor in the San Francisco Bay Area and recently represented clients with the sale of their home. Erica submitted an offer for her buyers, and after a quick review of the offer, I could tell she was an experienced agent who was making a competitive offer for her clients. During our conversation, she confirmed she was managing the lending aspect for her clients, as well. While this agent/lender position is unique, I quickly learned how convenient it was to be in a transaction with “less cooks in the kitchen”, so to speak. Erica hit every deadline without issue, kept me updated throughout the transaction, and was not an agent/lender who made things difficult or complicated. Of the 15 offers submitted on the home, Erica made such a positive impression on both the sellers and I, they selected her clients’ offer. She beautifully represented her clients’ best interests throughout the transaction and was an ideal Real Estate parter. If you have reservations with Erica being the lender and agent, my advice is that you throw those reservations out of the window. I know her clients are thrilled with their new home and my clients were pleased with such a seamless transaction. They kept asking me when the ball was going to drop, and it never did. When both sets of clients are happy, that is truly the goal. I hope to partner with Erica again!

Katrena Prior
Rated 5 out of 5
April 8, 2022

Selfi and Erica were outstanding. When I think Selfi, I think proactive, solution oriented, integrity, and customer success.

David Greenstein
Rated 5 out of 5
April 19, 2021

I was very impressed when Erica (and Selfi) was able to provide the lowest rate for a refinance and it was easy working with Erica, who was very responsive to all my questions.

Gloria Hill
Rated 5 out of 5
March 29, 2021

I was a little skeptical of the concept of Selfi. Refinancing can be a consuming task, and I was concerned about not meeting a broker in person; however, based on the reviews and my perception that my refi situation was pretty straightforward, I decided to give Selfi a chance. Now that the process is complete, I’m thrilled. The result was an embarrassingly low-interest rate, very reasonable closing fees, and a new lender that looks to be easy to work with. It took a little longer than I’d expected, but I assume that has to do with how many folks are refinancing now. I worked with Erica, and despite the longer than anticipated runway, she kept me informed and maintained my rate lock weeks past the expected closing date. Again, my loan situation was pretty straightforward. I don’t know what this process would be like for a more complicated loan, but I would 100% recommend this service to anyone who thinks they have an uncomplicated loan and good financial documentation. The entire process was very manageable, and for me, the result is an outstanding loan with a great rate and savings that will make a huge difference every month for years to come! Thank you, Erica and Selfi!

Andrew K.
Rated 5 out of 5
January 24, 2021

Erica helped me with my recent refinance. I really appreciate her expertise, knowledge, communication and speed. She reached out and explained to me all the possible options the second day I applied. And in next a few days we got all the documents ready for the underwriter. I was really glad with the easy process and the impressive execution speed.

Rated 5 out of 5
November 13, 2020

Erica is absolutely fantastic! I recently worked with Erica on our refi and we opted to pull out some cash to do some home improvements and Erica was able to explain to us all the options that we had available. I’m not a financial person so I had a lot of questions regarding some of the terms and processes and she was able to explain everything to me. She is extremely personable and kind and made me feel included in the process as opposed to just completing a transaction together. I look forward to working with her again when we are ready to upgrade to a new home. Thank you Erica!

Amy S.
Rated 5 out of 5
October 15, 2020

Erica Zepko provided excellent service and insights to help me through a short window of time for my refi. She worked with urgency to stay on my timeline, but was low pressure and not trying to “sell” me. She really took the time to educate me and ultimately found the best loan for my situation. Highly recommend SELFi and Erica Zepko!

Rob Brillantes
Rated 5 out of 5
October 9, 2020

Erica Zepko is a very knowledgeable person in the mortgage sector. She made sure I get the best mortgage rate and she made sure the loan process goes smoothly. She provided prompt responses to all my email inquiries. Overall, she did a fantastic job.

Rojen S
Rated 5 out of 5
September 16, 2020

Erica was terrific, never seemed rushed and always eager to explain the process. Most importantly, she locked in a great rate for us and we are really happy with it. I felt the document requests and other items made sense and were easy to submit. I am planning to let friends now about her and Selfi.

Eric B
Rated 5 out of 5
May 7, 2020

Erica worked with me to finance a new home in Oakland and I couldn’t have asked for better. She was knowledgeable, accessible, and always eager to help me get through the process. I would highly recommend her services to anyone and would be glad to work with her again in the future. Thank you Erica! You’re the best!
Danny U.

Rated 5 out of 5
May 21, 2019

I worked with Erica on my recent refinance. I contacted a lot of people, and got numerous estimates. Erica always came out with the best rates. More than just giving me the best rates, Erica really made me feel like she cared that I was making the right decisions for my goals. She listened and provided guidance. She taught me a lot about real estate during this process, and opened my eyes to some options that I had never realized were possible. She was always quick to respond, and I’m so grateful I found her and Selfi.
Should I or anyone I know need real estate advice or financial assistance I will definitely be reaching out to Erica and Selfi. Thank you Erica!

Amy D.
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