---
title: About Us | Herzer Financial
description: Herzer Financial is a premier California lender offering personalized private real estate loans via flexible programs and comprehensive expertise.
---
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- [Loans ](https://www.herzer.com/about#)
- [ Loans Overview ](https://www.herzer.com/loans-overview?hsLang=en)
- [ Construction Loans ](https://www.herzer.com/construction-loans?hsLang=en)
- [ Fix-and-Flip Loans ](https://www.herzer.com/fix-and-flip-loans?hsLang=en)
- [ Consumer Bridge Loans ](https://www.herzer.com/consumer-bridge-loans?hsLang=en)
- [ Commercial Loans ](https://www.herzer.com/commercial-loans?hsLang=en)
- [ Residential Rehabilitation Loans ](https://www.herzer.com/residential-rehabilitation-loans?hsLang=en)
- [ Purchase Money Loans ](https://www.herzer.com/purchase-money-loans?hsLang=en)
 [ Loans Overview ](https://www.herzer.com/loans-overview?hsLang=en)
Financing options for your next construction project
[ Learn More ](https://www.herzer.com/loans-overview?hsLang=en)
 [ Construction Loans ](https://www.herzer.com/construction-loans?hsLang=en)
New construction loans for builders, developers, and homeowners
[ Learn More ](https://www.herzer.com/construction-loans?hsLang=en)
 [ Fix-and-Flip Loans ](https://www.herzer.com/fix-and-flip-loans?hsLang=en)
Fast, flexible financing for fix-and-flip projects
[ Learn More ](https://www.herzer.com/fix-and-flip-loans?hsLang=en)
 [ Consumer Bridge Loans ](https://www.herzer.com/consumer-bridge-loans?hsLang=en)
Bridge loans to help you secure a new home without selling your current one
[ Learn More ](https://www.herzer.com/consumer-bridge-loans?hsLang=en)
 [ Commercial Loans ](https://www.herzer.com/commercial-loans?hsLang=en)
Financing for apartments, office, retail, and more
[ Learn More ](https://www.herzer.com/commercial-loans?hsLang=en)
 [ Residential Rehabilitation Loans ](https://www.herzer.com/residential-rehabilitation-loans?hsLang=en)
Financing and refinance options for property improvement
[ Learn More ](https://www.herzer.com/residential-rehabilitation-loans?hsLang=en)
 [ Purchase Money Loans ](https://www.herzer.com/purchase-money-loans?hsLang=en)
Tailored loans to fund your homeownership goals
[ Learn More ](https://www.herzer.com/purchase-money-loans?hsLang=en)
Fast-Track Success: Finance and Build Spec Homes for Profit
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- [Who We Serve ](https://www.herzer.com/about#)
- [ Borrowers ](https://www.herzer.com/borrowers?hsLang=en)
- [ Brokers ](https://www.herzer.com/brokers?hsLang=en)
- [ Investors ](https://www.herzer.com/investors?hsLang=en)
- [ Contractors ](https://www.herzer.com/contractors?hsLang=en)
- [ Deals Funded ](https://www.herzer.com/deals-funded?hsLang=en)
- [Company ](https://www.herzer.com/about#)
- [ About Us ](https://www.herzer.com/about)
- [ Meet the Team ](https://www.herzer.com/about#meet-the-team)
- [Resources ](https://www.herzer.com/about#)
- [ Blog ](https://www.herzer.com/blog?hsLang=en)
- [ Resource Center ](https://www.herzer.com/resource-center?hsLang=en)
- [ Documents ](https://www.herzer.com/documents?hsLang=en)
- [ Apply for a Loan ](https://www.herzer.com/apply-for-a-loan?hsLang=en)
- [ Apply to Invest ](https://www.herzer.com/apply-to-invest?hsLang=en)
# The Herzer Story
Leading the way in private lending for real estate
[ Apply for a Loan ](https://www.herzer.com/apply-for-a-loan?hsLang=en)
Who We Are
## A History of Excellence
Herzer Financial has been a premier California lending partner since its founding in 1950 by Fred Herzer, Jr. We uphold this legacy with innovative loan programs and active participation in the California Mortgage Association, fostering education and excellence in private lending.
Our Approach
## Investing in You
We specialize in tailored private real estate loans, offering a wide range of options for consumers and investors. Our loans include ground-up construction, fix-and-flips, bridge loans, consumer loans, and more.
We understand that certain real estate ventures can be deemed too risky by traditional banks. Our expertise in private lending bridges the gap, ensuring borrowers have the necessary financial support for their real estate goals.
[ Our Loans ](https://www.herzer.com/loans-overview?hsLang=en)
What Sets Us Apart
## The Herzer Advantage
Learn why we're California's premier private real estate lender.
**Relationship-Focused**
We offer personalized solutions based on client connections and circumstances, focusing on unique experiences often missed by banks.
**Flexible Programs**
We provide cost-effective lending with unlimited draws and enhanced service to keep your construction project on track.
**Build IQ**
Our comprehensive construction expertise and active problem-solving make us your go-to choice for construction financing.
Our Team
## Meet Our People
Success starts at the top.
### Roy Malone
President
Read Bio
### Nancy Gann
Operations Manager
Read Bio
### Joe McNulty, MBA
Senior Construction Lender
Read Bio
### Bill Lercari
Senior Construction Lender
Read Bio
### Terry Conner
Construction Administration
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### Marshall Robins
ADU and Ground-Up Construction
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### Keith Torres
Loan Originator
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### Vicki Fenner
Senior Construction Lender
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### Roy Malone
President
Roy Malone is the President of Herzer Financial. Prior to Herzer, Roy was one of the founding executives and President of Golden Pacific Bank. Over the past 30+ years, he has filled many executive and operational roles, primarily in the community banking space. Roy maintains a real estate brokers license as well as a general contractors license.
Roy grew up in the Sacramento area. He attended UC Davis and graduated from California State University of Sacramento with a BS in Business Administration concentrating in Real Estate and Land Use. He has served on several boards, is a member of the FBI Citizens Academy, and manages a private venture capital fund.
Roy and his wife Trisha raised their four kids (now adults) in El Dorado County. When he’s not at work or with family, he is often competing in multi-day endurance events in wild parts of the world.
×
### Nancy Gann
Operations Manager
Nancy Gann has been with Herzer Financial since 1999. She has held a Real Estate Salesperson license since 2005 and has over 35 years of experience in the lending and mortgage industry. Nancy has taken classes at Canada College in Redwood City, California, and the University of Maryland in College Park, Maryland. She holds a current Notary Public Commission with the State of California. Along with her continuing education courses, she has also attended numerous classes for loan servicing and originating and numerous seminars held for the mortgage industry.
Nancy currently lives in Tracy, California, with her family. In her free time, she enjoys traveling, quilting, and wood decoy carving.
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### Joe McNulty, MBA
Senior Construction Lender
Joe has been a Senior Loan Officer at Herzer since 2019. In addition to being a licensed Real Estate Broker, he has over 20 years of experience in the lending and mortgage industry. Joe has an undergraduate degree in finance from the University of Rhode Island and an M.B.A. from INSEAD in Fontainebleau, France. He has personally been invested in ground-up construction and rehab projects over the years. He enjoys all of the intricacies involved in private lending.
Joe speaks French and Spanish, enjoys traveling, running, and rooting for his beloved Chelsea Football Club and, of course, the Golden State Warriors. He has coached youth soccer teams in the Bay Area for over 10 years.
×
### Bill Lercari
Senior Construction Lender
Bill is a seasoned lender with many years experience in structuring finance, real estate appraisals, and construction management. He has a BA degree from the University of California, Berkley and hold both a California Real Estate Broker license and a Mortgage Loan Originator license.
He lives in Truckee, California and enjoys hiking, biking, and winter sports.
×
### Terry Conner
Construction Administration
Terry's experience includes 23 years as general contractor and the last 22 years as a construction lender. He has held senior lending titles at multiple institutions and has vast knowledge of the construction process. His performance and attention to detail has resulted in numerous awards over the years including joining the Circle of Excellence and President’s club.
Outside of the office, he can be found exploring small towns and learning about the area from the locals. And if there happens to have a golf course somewhere nearby, you'd probably find him there too.
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### Marshall Robins
ADU and Ground-Up Construction
Marshall Robins manages the ADU Loan and Partnership Program along with serving construction loans as a Product Manager. With experience at Looker, Google, and Bill.com, Marshall leans on his client relations expertise to deliver white-glove service to borrowers.
Marshall lives in Santa Cruz, California and graduated from Cal Poly Humboldt with a BS in Business Administration concentrating in Finance. When he's not helping clients complete projects, you can find him surfing or golfing somewhere in the Monterey Bay Area.
×
### Keith Torres
Loan Originator
Keith Torres is a CSU Sacramento graduate with a degree in business administration, specializing in Finance, Entrepreneurship, and International Business. He attended CSU to play college level baseball starting all five years.
Keith thrives on finding and problem solving tough scenarios. As a Hawaii native, he enjoys surfing and spear fishing on his free time. He often brings his two dogs, a Pitbull and American Bully, along on his outdoor adventures.
×
### Vicki Fenner
Senior Construction Lender
Vicki Fenner brings over 30 years of experience in construction, commercial, and residential lending, with a strong focus on ground-up spec financing. Her background in underwriting and sales gives her a practical understanding of how to structure and move projects from approval through completion.
She works closely with builders and investors to deliver straightforward solutions and a reliable lending experience.
[## Herzer Financial by Socotra Capital
Learn about Socotra Capital, a local lender with national reach and our partner in private real estate financing.
](https://socotracapital.com/?hsLang=en) [## Investment Opportunities
Become an investor with Herzer Financial today! Get in touch to learn about our variety of investment opportunities.
](https://www.herzer.com/apply-to-invest?hsLang=en)
Ready to Get Funded?
## Apply Today!
### Complete the form below. Our loan officer will be in touch shortly to discuss your options.
[](https://www.herzer.com/?hsLang=en)
[ Contact Us ](https://www.herzer.com/apply-for-a-loan?hsLang=en) [ Apply for a Loan ](https://www.herzer.com/apply-for-a-loan?hsLang=en) [ Apply to Invest ](https://www.herzer.com/apply-to-invest?hsLang=en) [ +1 (650) 363-8003 ](tel:+16503638003) [ 2714 V St
Sacramento, CA 95818 ](https://www.google.com/maps/place/2714+V+St,+Sacramento,+CA+95818/data=!4m2!3m1!1s0x809ad0f1bfe9367f:0xc5ff42e3be807c8?sa=X&ved=1t:242&ictx=111)
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[Loan Overview ](https://www.herzer.com/about#)
- [ Construction Loans ](https://www.herzer.com/construction-loans?hsLang=en)
- [ Fix-and-Flip Loans ](https://www.herzer.com/fix-and-flip-loans?hsLang=en)
- [ Consumer Bridge Loans ](https://www.herzer.com/consumer-bridge-loans?hsLang=en)
- [ Consumer Purchase or Refinance Loans ](https://www.herzer.com/consumer-purchase-or-refinance-loans?hsLang=en)
- [ Commercial Loans ](https://www.herzer.com/commercial-loans?hsLang=en)
- [ Residential Rehabilitation Loans ](https://www.herzer.com/residential-rehabilitation-loans?hsLang=en)
- [ Purchase Money Loans ](https://www.herzer.com/purchase-money-loans?hsLang=en)
[Who We Serve ](https://www.herzer.com/about#)
- [ Borrowers ](https://www.herzer.com/borrowers?hsLang=en)
- [ Brokers ](https://www.herzer.com/brokers?hsLang=en)
- [ Investors ](https://www.herzer.com/investors?hsLang=en)
- [ Contractors ](https://www.herzer.com/contractors?hsLang=en)
[Company ](https://www.herzer.com/about#)
- [ About Us ](https://www.herzer.com/about)
- [ Meet the Team ](https://www.herzer.com/about#meet-the-team)
[Resources ](https://www.herzer.com/about#)
- [ Blog ](https://www.herzer.com/blog?hsLang=en)
- [ Resource Center ](https://www.herzer.com/resource-center?hsLang=en)
Copyright © 2026 Herzer Financial Group
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Real Estate Broker — California Dept. of Real Estate License #00417082
Loans are made or arranged pursuant to a California Finance Lender's License #6054500
Nationwide Mortgage Licensing System #314253