Bates Lending Emblem





home keys

New Purchase

We get you pre-qualified for a new home purchase and make it easy for you to get into that dream home!

Credit Assessment


Refinance your existing mortgage to lower your payments, shorten the years on your loan, or access cash.

Modern Neighborhood

Investment Loans

Get a loan on an investment property or rental. We will advise you on the best options.





The quality of work we put into each clients home loan dictates our success as a business. The only way we are successful is to create such a "wow" experience for our clients that they tell their family and friends.  



We are committed to seeing our clients through the entire process of the mortgage application. You will work with a member of our team who will accommodate all forms of communication to your busy schedule. 



We carry all proper licensing with the Nationwide Mortgage Licensing System (NMLS), the Department of Real Estate (DRE) and local business licensing.  We also take great pride in keeping your information confidential and secure. Our systems are setup to safeguard your personal information to give you the peace of mind of knowing your personal information is safe and secure.


Senior Broker & Founder

I started my career in lending in 2003. Fresh out of college and eager to make something of myself, I followed advice from a friend and interviewed at a local mortgage company. I was hired on the spot and, as they say, the rest is history. 


I fell in love with my work instantly. Whether I was helping a first-time homebuyer, a seasoned investor, or assisting an existing homeowner with a refinance, the feeling of helping someone accomplish their goals was extremely rewarding and exciting to me.


I recognized very early on how much I enjoyed simplifying the process and helping my customers navigate the complexities of obtaining a mortgage.  


Over the years I have built my business mostly by word-of-mouth and referrals and with a simple philosophy, always put the client first.  The objective with every loan transaction is to be fully transparent, provide exceptional service and offer an extremely competitive deal to ultimately have the client feel compelled to refer family, friends and colleagues to experience the same.


Please let me know how I can help you!

- Bob 

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Fred Saunders
Loan Officer

Fred was born and raised in the Bay Area and has spent his entire life in Northern California.  After his college baseball days were over at San Francisco State University Fred continued his education earning a Bachelor’s Degree in Kinesiology and a Teaching Credential from Cal State University, Hayward (Cal State East Bay currently) in 1999.  A year later Fred married the love of his life Laura and in 2001 they moved to Rocklin, CA to start and raise a family.  Fred and Laura have three amazing children ages 19, 17 and 15 that provide a source of tremendous joy and pride.


After several years in education Fred took a chance and entered the mortgage industry in 2005 at the recommendation of a friend.  For the past 15+ years he has sharpened his industry acumen while serving in many different roles….wholesale lender, Realtor and most recently as a mortgage broker.  The experiences over the last decade plus have provided the foundation for knowledge and skill from just about every market condition imaginable.  Through that education Fred is uniquely equipped to work through and overcome most obstacles relating to home purchase and refinance lending.  We are very proud that Fred is a contributing member of the Bates Lending Group etc etc etc…

I am not good at writing about myself so hope this works…please feel free to embellish as you see fit.

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Kent  Granath
Loan Officer
Originally from the SF Bay Area, I moved up to El Dorado Hills with my wife and two children in August 2004. After 15 years in tech-sales, I stepped into mortgage banking in 2004. I have helped 1000’s of families purchase their dream homes, refinance current properties or finance investment properties including multi-tenant units. If you want constant communication, honesty, integrity and a fast/efficient transaction, please call me directly on my cell: 408-504-KENT (5368).
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Julia Reynholds
Loan Officer Assistant

I graduated college in 2019 and started my job with Bates Lending shortly after. A friend who knew Bob recommended I reach out to him to learn the industry and, similar to Bob’s introduction to the mortgage world, the rest is history. I was very green at the start, but Bob has taught me everything that I know today and I have discovered my true passion in helping people pursue their goals in obtaining a mortgage.


In my current role, I assist Bob, Kent, and Fred as a loan processor as well as communicate with our clients on what their next steps will be in their loan journey. I enjoy being able to help our clients along every step of the loan process, making a potentially overwhelming process a simple and enjoyable experience. I look forward to seeing where this career will take me from here and working with you on your loan journey!



Tel:  916-508-8088


6085 Douglas Boulevard, Suite 300

Granite Bay, CA 95746