Mortgage Advisor
NMLS#1680034
Location: 2280 Del Paso Rd #100, Sacramento, CA, 95834
Primary Service Areas: Sacramento
Email: Martine.Frey@genhl.com
Phone: 510-599-9007
I am a seasoned Loan Officer with five years of hands-on mortgage experience and a reputation for being organized, communicative, and deeply client centered. I love connecting with people, the mortgage industry, and genuinely enjoy helping families move into their next home. My background spans purchase loans, refinances, and borrower education, and I’m known for making the lending process feel approachable and empowering.
After a family focused career pause, I re‑entered the industry with a sharpened sense of purpose: to deliver a smooth, transparent experience rooted in trust, communication, and strong follow through. At Generations Home Loans, I value teamwork, integrity, and the opportunity to guide clients through one of life’s biggest financial decisions.
Outside of work, I enjoy cooking, thrifting vintage finds, and cheering on my kids, especially at the pool for competitive swimming and on the track for hurdles. At home, I love spending time with my family and two dogs, who are always a part of the action. I am a proud graduate of California State University, Chico, live in Folsom, California, and am licensed in California and Texas.
Let us walk you through the process. Please create an account and complete your application. We’ll be in touch soon.
Generations Home Loans
Last Updated: 04/01/2026 v1.2
1. Acceptance of Terms
By accessing or using the website located at www.generationshomeloans.com (the “Website”), you agree to be bound by these Terms and Conditions of Use (the “Terms”). If you do not agree to these Terms, you must not access or use the Website. These Terms constitute a legally binding agreement between you and Generations Home Loans (“Company,” “we,” “us,” or “our”).
2. Permitted Use and License
The Company grants you a limited, revocable, non-exclusive, non-transferable license to access and use the Website solely for personal, informational, and non-commercial purposes related to residential mortgage services. You agree not to copy, reproduce, distribute, modify, create derivative works of, publicly display, or exploit any portion of the Website without prior written consent. You further agree not to reverse engineer, decompile, or otherwise attempt to extract the source code of any software or tools available through the Website.
3. No Financial, Legal, or Lending Commitment
The content provided on this Website is for informational purposes only and does not constitute financial, legal, or tax advice, nor does it constitute an offer to lend, a loan approval, or a commitment to lend. All loan programs, rates, fees, and terms are subject to change without notice and are subject to underwriting approval, credit review, and applicable regulatory requirements. Not all applicants will qualify.
4. User Accounts and Security
Certain features of the Website may require you to create an account. You agree to provide accurate and complete information and to maintain the confidentiality of your login credentials. You are solely responsible for all activities that occur under your account. The Company is not liable for any loss or damage arising from unauthorized use of your account.
5. Compliance with Laws and Mortgage Regulations
You agree to use the Website in compliance with all applicable federal, state, and local laws and regulations. The Company operates in accordance with applicable mortgage lending laws, including but not limited to the Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act), the Real Estate Settlement Procedures Act (RESPA), the Truth in Lending Act (TILA), Regulation Z, and all applicable consumer protection statutes, including prohibitions against unfair, deceptive, or abusive acts or practices (UDAAP).
6. SAFE Act Disclosure
In accordance with the SAFE Act, mortgage loan originators employed by the Company are registered and/or licensed through the Nationwide Multistate Licensing System and Registry (“NMLS”). Consumers may access the NMLS Consumer Access website to verify licensing information and review the professional background of mortgage loan originators.
7. RESPA Disclosure
In compliance with the Real Estate Settlement Procedures Act (RESPA), the Company provides disclosures regarding settlement services, affiliated business arrangements (if applicable), and estimated closing costs. You are entitled to receive a Loan Estimate within the time required by law after submitting a complete loan application. The Company does not require the use of any specific settlement service provider unless otherwise disclosed in writing.
8. Equal Housing Lender Statement
The Company is an Equal Housing Lender. The Company does business in accordance with the Federal Fair Housing Act and the Equal Credit Opportunity Act and does not discriminate against any applicant on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to contract), disability, familial status, or any other protected class under applicable law.
9. Licensing and State Disclosures
Generations Home Loans is licensed to conduct mortgage lending and/or brokering activities in applicable states. Licensing information, including our NMLS ID, state-specific disclosures, State licenses, and regulatory contact information, is available on our Licensing and Disclosures page , which is incorporated herein by reference. Please visit this page for additional information. Additional state-specific disclosures may apply depending on your state of residence and will be provided as required by law.
10. CFPB Advertising and Marketing Disclosures
All advertising and marketing materials presented on this Website are intended for informational purposes only and are subject to applicable federal and state laws, including the Truth in Lending Act (TILA) and Regulation Z. Any examples of loan terms, interest rates, monthly payments, or other financing terms are illustrative only and may not reflect current market conditions or your individual eligibility. If any rate, payment, or financing term is advertised, additional disclosures required by law may apply, including but not limited to the annual percentage rate (APR), term of the loan, down payment requirements, and whether the rate is fixed or adjustable. Such disclosures will be provided where required. The Company makes reasonable efforts to ensure that all advertising is clear and not misleading; however, errors may occur. The Company does not guarantee the accuracy, completeness, or timeliness of any advertising content. Nothing on this Website shall be construed as a guarantee of loan approval, specific interest rates, or loan terms. All loan applications are subject to credit approval, property approval, income verification, and underwriting guidelines.
11. Rate and Payment Disclosure
Any mortgage rate, payment example, or affordability estimate displayed on the Website is an estimate only and is based on assumptions that may not apply to your individual circumstances. Actual rates and payments may vary based on credit profile, loan amount, loan-to-value ratio, occupancy, property type, and other factors. Rates may change daily without notice.
12. Third-Party Services and Endorsements Disclosure
References to third-party service providers, including real estate agents, title companies, or other vendors, are provided for informational purposes only and do not constitute an endorsement or guarantee of services. You are not required to use any recommended third-party provider unless expressly disclosed in accordance with RESPA requirements.
13. Intellectual Property Rights
All content on the Website, including text, graphics, logos, software, and other materials, is the property of Generations Home Loans or its licensors and is protected by applicable intellectual property laws.
14. Disclaimer of Warranties
THE WEBSITE AND ALL CONTENT AND SERVICES PROVIDED THROUGH IT ARE PROVIDED “AS IS” AND “AS AVAILABLE.” THE COMPANY MAKES NO WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.
15. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE COMPANY SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE WEBSITE.
16. Privacy Policy and Data Usage
Your use of the Website is also governed by the Company’s Privacy Policy. Provide link to the privacy policy for California compliance The Company collects and uses personal information in accordance with applicable privacy and consumer protection laws.
17. Electronic Communications Consent (TCPA Compliance)
By providing your contact information, you expressly consent to receive communications from the Company, including calls, text messages, and emails, using automated technology where permitted by law. These communications may include informational and marketing messages related to your inquiry or application. Message frequency may vary. Message and data rates may apply. You may opt out of text messages at any time by replying STOP and may unsubscribe from emails by following the instructions included in those communications. Consent is not a condition of obtaining a loan.
18. Children’s Privacy
The Website is not intended for individuals under the age of 13. The Company does not knowingly collect personal information from children under 13.
19. Termination
The Company reserves the right to terminate or suspend your access to the Website at any time, without notice, for any reason.
20. Changes to Terms
The Company may update these Terms from time to time. Changes will be effective upon posting on the Website.
21. Governing Law
These Terms shall be governed by the laws of the State of California.
22. Contact Information
Generations Home Loans
Address: 1200 E Orangeburg Ave. – Suite 103, Modesto, California 95350
Email: connect@genhl.com
Phone: 1.800.705.6333