Erica Zepko

Oakland, CA

NMLS# 1301941

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8 years of mortgage experience.
6 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)

Rated 5 out of 5
14 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
November 23, 2022

I had the pleasure of working with Erica Zepko this past summer in purchasing our first home. As first-time home buyers, I was overwhelmed and confused but once I found Erica, I felt confident and knowledgeable knowing that she was there to guide me. Erica was considerate of our time as people with full time jobs and so, would extend her hours past normal working hours and even into the weekend to accommodate us with all the questions we had. She took the time to explain every step of our loan process, to explain why certain documents are needed and to elaborate on terminology that I did not understand. Because of that, I felt empowered in my knowledge to make my own decisions detailing my loan. I had spoken to 7 other banks before Erica and none of them had the patience, knowledge or dedication to us as she had. She was also the last loan officer that I had contacted but was the first to get my pre-approval letter in time for our first bid. Even after the purchase of our home, Erica continues to be a mentor and takes the time to advise us on some difficulties during renovations. In the near future, we hope to have Erica on our side again as we pursue our endeavors as property owners.

Rated 5 out of 5
August 8, 2022

Now a days I find that not a lot people have a lot of patience or just concern for people they are working with. I was blessed to have met Erica Zepko, who thank goodness had the heart and the patience to work with my family for several months through some challenging issues. We got to the our end goal with Erica’s guidance and we look forward to working with her again in the near future. Many thanks Erica.

Maria (Dolly) Piper
Rated 5 out of 5
July 28, 2022

Erica did such a stellar job with helping my family and I with our complicated REFI with multiple properties.

From the start she was very open and transparent and instilled such great confidence in all of us with her knowledge that it made the process ever so seamless and smooth.

Would I recommend her? That answer would be a huge “YES” I look forward to working with Erica again in the near future with other Real Estate dealings.

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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