Denise Martellacci is a Professional Mortgage Loan Originator who enjoys helping buyers
secure their home loan in a timely and professional transaction. She is thrilled to be with Valley
Capital Home Loans Inc. to continue serving her clients throughout the greater S. F. Bay Area.
Denise has been in the mortgage business long enough to have witnessed at least four
recessions and has the ablity to highlight the strengths in her borrower’s loan submissions to
realize their dream purchase. She is aware that no two borrowers are alike and with that the
knowledge of how to seek loan programs that fit each unique circumstance.
Denise lives in the East Bay City of Hayward, Ca. and is familiar with the nuances of the
surrounding communities in the East Bay. In her spare time she is active in her community to
make it the best place to live and enjoys spending time with her family and granchildren.