About *LeTip of West

Armando Novelo has been in the mortgage business since 2002. He is a UCLA graduate and has been recognized as being in the top 1% of mortgage loan originators in the country. Armando prides himself on being a Certified Mortgage Planner. This means that he plans a mortgage with long term and short term goals in mind. When working with Armando Novelo and his team, you will receive quick pre approval and you will have a great mortgage process. After the mortgage, we will work with you on a annual basis to make sure you are leveraging your mortgage in the most efficient possible way. We also hold monthly financial classes designed to help our clients obtain financial freedom. I look forward to seeing you on the next one!

Christian Bowman is a Insurance Property and Casualty who works at AllState

Clarence Madrilejos is REALTOR based in Silicon Valley, who is committed to making a difference within the community and for his clients. As a second-generation Californian, Clarence has spent most of his life in Silicon Valley, gaining a thorough understanding of the different areas that make up the region. With his creativity and resourcefulness, Clarence has earned the trust and loyalty of his clients. He graduated from the Catholic University of America in Washington, DC, and spent eight years as a community organizer before deciding to pursue a career in real estate. As an active participant in the Silicon Valley community, Clarence has served on several important committees and commissions, including the Berryessa Union Elementary School District’s Budget Committee and the City of San Jose’s Human Rights Commission. From 2013 to June 2016, he served as Chairperson of the City of San Jose's Human Services Commission. Now a REALTOR(R) with Compass Real Estate, Clarence brings a wealth of experience and proven leadership skills to help his clients achieve their real estate goals. Whether you're buying or selling a property in Silicon Valley, Clarence is committed to providing exceptional service and helping you achieve your real estate objectives. Contact Clarence today and take the first step toward your real estate success.

Jim Knipple is a Financial Advisor who works at Edward Jones

Julie Giovannetti is a Coach Relationship who works at Living in Love Coaching

Having dedicated the majority of my life to the world of numbers, I derive genuine satisfaction from being a people person who thrives on the complexities of number-crunching. With more than three decades of experience in bookkeeping and a CRTP license held since 2015, my unwavering commitment is geared toward delivering the utmost level of service to you.

Retired from Corporate Jobs, I enjoy travel and wine tasting! I have 2 Bachelor's degrees in Business Administration and Management, a Master's in Organizational Management, along with 17 other degree's, license's and certificates. I love meeting new people, talking, and learning something new everyday! If you are reading this, and we have not met, please reach out, I would love to get to know you! Cheers!

Los Angeles native and payments consultant, passionate about innovative payment solutions. With a background in music production and a love for technology, I bring a unique perspective to the payments industry. Let's connect to explore cutting-edge solutions for your payment needs. Trusted by friends and clients alike, I'm here to simplify and optimize your payment processes.

I have been in the mortgage industry since 2001 starting out as mortgage processor the first 10 years. This experience has equipped me the ability to analyze different loan scenarios. It’s my passion to help clients to have the easy and smooth mortgage experience. I value the relationship and the trust built with the clients. I thrive to contribute and make a difference in mortgage industry. Its why I join my trade association, Silicon Valley CAMP and served as board member and President from 2014-2015. I have been to Washington DC and Sacramento to lobby for better mortgage practice and right for homeowners. This involvement helps me to bring professionalism, integrity and honesty to everything I do and the best interest for my clients.