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The Challis Team







Larry Challis

A graduate of UC Davis with post graduate studies at the Graduate Theological Union in Berkeley, CA, Challis has been active in the lending and real estate arena for more than 40 years.  He has managed the in-house lending operations for the largest real estate and builder companies in the Sacramento region.  Most recently, he merged his mortgage broker company, First Security Financial Group, with one of the largest mortgage banks in the nation, Cherry Creek Mortgage Company.  "Our affiliation with Cherry Creek allows every member of our team to provide the highest level of service to our clients, borrowers, and Realtors.  It has been the best move of my career," says Challis.

Larry is married to Wendy, a partner at the Cherry Creek office and at home raising two sons.  Larry is active in community service - an active member with the Rotary Club of Point West - Sacramento, a scout leader and the long-time Director of Leadership Program help each year in the High Sierra.



Branch Manager | NMLS# 301479 | Phone: 916-788-9823 | Email:






Wendy Challis

When Wendy began her financial career over 25 years ago, the real estate finance world was different…over 10 percent interest rates, lots of homes for sale under $100,000, and green computer screens!

Some things, however, have remained the same. People have trusted Wendy to give them the most expert, fair and clearly communicated mortgage loan information to help them choose the best options for their needs.

A graduate of California State University, Sacramento, with a degree in Finance, Wendy has experience in just about every aspect of the loan industry…origination, processing, loan servicing, operations management, and even some commercial loan underwriting.

Married to Larry, a long time mortgage industry manager, they share their favorite job, parents of two sons, Nate, a college student with theatre arts and leadership interests, and Connor, a college student with interests in Engineering and Mechatronics.

Loan Officer | NMLS# 831016 | Phone: 916-788-9809 | Email:







Tracy Ferris

A graduate of San Diego State University, Tracy used her degree in Psychology to help at risk kids and their families through several programs over several years.  She and her exceptional husband are raising two beautiful children.  She enjoys watching her son try every extreme sport possible and her daughter indulging gymnastics while trying to follow in her brother's foot steps.  In her rare spare time, she enjoys house-boating, swimming, cruising the Caribbean and working with the Navy Seals as an extreme skydiving instructor (just kidding).

You will never seen anyone work harder to make sure that every client understands the often complex lending details while continually keeping them updated on the progress of their loan.  Tracy manages and motivates her highly skilled Cherry Creek support team, which results in her loans closing on time.  Her enthusiasm and persistence is contagious.  Her thoroughness for every file allows her to continue to lead her industry with a 100% closing ratio for her clients.  Hands down, one of the best loan officers one can honestly say they know and so should you.

Loan Officer | NMLS# 288173 | Phone: 916-788-9805 | Email:







Tony Oka

A veteran of years in the Sacramento mortgage industry, Tony passionately provides outstanding customer service leading to his goal of earning customers for life. A recent graduate of the elite XINNIX Ignite program based in Atlanta Georgia, he is a consummate expert at first listening to the needs of his borrower clients and then providing the best loan product available in the market. He works with Realtor and network partners who share his core values and work ethic.

An avid golfer and sports enthusiast, Tony is active in community service projects such as the Placer County Association of Realtors® Cantree food for the hungry project, and the Rotary Brewer’s Festival fundraiser for the WEAVE program. He has coached hundreds of youth in his capacity as a Cheerleader Coach, most recently as a coach at Rocklin High School.

We are proud to have Tony Oka on the Cherry Creek Mortgage team. Backed by a local Cherry Creek support team with decades of mortgage experience, Tony looks forward to serving the mortgage loan needs of home buyers and refinance borrowers in the Greater Sacramento region and throughout California.

Loan Officer | NMLS# 1212181 | Phone: 916-801-0251 | Email:







Chris Evers

Buying a home is one of the largest investments you will make and I feel privileged as a loan officer to educate my clients through the entire loan process. I take great pride in finding the best solutions and loan options for my friends and clients.

I truly enjoy helping others get through the sometimes arduous process of homeownership. I like building rapport and having a calming effect on the stresses that can accompany acquiring a home. I am detailed-oriented, business savvy, enjoy interacting with people of all different temperaments and know that my success comes from ensuring your ease through the entire process.

My life is not all business, though. I am a very proud father of one of the best nine-year old pretty ladies I know! Mayci is “my main hobby”. I love spending time with her and delight in seeing her grow into a fun, witty young woman. I am an avid tennis player and enjoy introducing clients to the nuances of competitive tennis through coaching at Roseville’s Life Time Athletic facility.



Senior Processor | Phone: 916-788-9823 | Email:







Jim Sanderson

Jim is a lifelong Sacramento area resident. He graduated from El Camino High School and then Sacramento State with a BS Degree in Business with a concentration in Finance. He played on the golf team at both the high school and college level.

He has been with Cherry Creek Mortgage for more than seven years and in the mortgage industry for 31 plus years that have encompassed areas of loan origination, branch supervisorial duties, and individual loan file analysis.

With decades experience in the mortgage business, Jim Sanderson is our “go to” resource person for the most up-to-date and accurate loan qualifying information. Jim helps us find solutions to the most challenging and sophisticated loan scenarios, often when other lenders have given up!

Jim enjoys hiking with his wife Kimberly, photography, golf and gardening, but not yard work.



Senior Processor | Phone: 916-788-9823 | Email:








Tina Nichels

Tina is a resident of Roseville, primarily growing up in the Foothills of Auburn and a graduate of Placer High School. She has been in the mortgage industry for 16 plus years, as a Loan Processor, and with Cherry Creek Mortgage more than two and a half years. 

Tina is a consummate professional. She puts her heart and soul into every loan that she processes. Her clients, real estate agents, title representatives, and loan officers love her!

In her spare time, Tina enjoys walking nature trails, reading, serving in her church, and spending time with her daughter, Kaitlin. 



Senior Processor | Phone: 916-788-9823 | Email:



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