Real Estate • Lending • Finance
About Steve Vail
Experienced Real Estate Broker, Lender & Financial Professional
Professional Profile
Decades of Real Estate Financial Experience
Steven B. Vail is a seasoned real estate and lending
professional with decades of experience spanning
commercial real estate, mortgage lending, banking,
property management, and real estate investment.
Since 1992, Steve has served as
Broker/Owner of Vail and Associates Realtors,
where he has worked with clients throughout Sonoma County
in the sale, leasing, and management of real estate.
His experience includes structuring short sales from
initial offers through closing, as well as working with
commercial properties, land, and vineyard properties.
Steve has also built extensive experience in lending and
finance. As a Senior Loan Agent, he has
arranged private-money financing for the purchase and
refinancing of land and commercial and vineyard properties,
while also working with conventional lending instruments
involving Fannie Mae and Freddie Mac.
His professional background also includes leadership
positions with First Priority Financial,
Investors Trust Mortgage, and Enterprise Mortgage,
as well as earlier experience in banking with
Bank of Santa Clara, Redwood Bank, and Bank of America.
During his banking career, Steve analyzed credit for loan
requests and served in branch management.
Since 1992
Real Estate Broker / Owner
Sonoma County
Sales, Leasing & Management
Real Estate + Finance
Broad Property Perspective
Career Background
Professional Experience
A career spanning real estate brokerage, mortgage lending,
property management, investment, and banking.
Vail and Associates Realtors / Loanhouse
Broker/Owner | 1992–Present
Senior Loan Agent, Loanhouse Lending |
September 2023–Present
-
Sale, leasing, and management of real estate
in Sonoma County - Structuring short sales from offers through closing
-
Arranging private-money loans for land,
commercial, and vineyard properties - Financing purchase and refinancing transactions
-
Working with conventional Fannie Mae and
Freddie Mac lending instruments
Old School House Property Owners Association
President | 2007–2009
- Managed commercial and residential condominium properties
- Coordinated repairs and maintenance
- Prepared leases and contracts
- Oversaw association business and operations
First Priority Financial
Senior Loan Agent | July 2008–September 2009
Investors Trust Mortgage
Senior Loan Agent | October 1996–June 2008
Enterprise Mortgage
Partner / Mortgage Services | 1992–1996
Banking Experience
Bank of Santa Clara | 1984–1988
Redwood Bank | 1981–1984
Bank of America | 1979–1980
Steve’s banking responsibilities included analyzing credit
for loan requests and branch management.
Selected Properties
Real Estate Experience in Practice
Examples from Steve’s experience in property sales,
acquisition, investment, and residential leasing.
Listed & Sold
219 Anteeo Way
A residential property Steve listed and sold
in Santa Rosa, California.
Investment Property
380 West Woodrow Wilson Avenue
A property Steve purchased in 2006 for his
mother’s family trust in Jackson, Mississippi.
Residential Leasing
405 Buena Tierra
A property in Steve’s Foothill Oak Estates
neighborhood in Windsor, California, rented
for $4,500 per month.
Commercial Real Estate
Industrial / Commercial Property Sale
Steve sold this industrial/commercial building located
near the Charles M. Schulz–Sonoma County Airport, off
Airport Boulevard in Santa Rosa, California.
This transaction reflects Steve’s experience working
with commercial real estate throughout Sonoma County,
including the marketing, sale, financing, and management
of a variety of property types.
Santa Rosa, California
Real Estate Professional
Steven B. Vail
BRE#00619431
Business
707-225-6211
Cell
707-328-2780
Fax
707-838-4850
Industrial / Commercial Property • Santa Rosa, CA
Academic Background
Education
1979
University of San Francisco
Master of Business Administration (MBA)
1974
University of San Francisco
Bachelor of Arts in Business Administration
1972
College of Marin
Associate of Arts (A.A.)
Beyond the Business
Experience With a Personal Perspective
Outside of his professional work, Steve enjoys playing
golf and spending time with his children.
With a career that brings together real estate, lending,
banking, and property management, Steve brings a broad
financial and property perspective to his work and writing.
A career built at the intersection of real estate,
lending, banking, property management, and investment.
2049 Stage Coach Rd
I had this house built at
2049 Stage Coach Rd
in Santa Rosa, CA 95404. I owned it and sold it as a spec house.
Sold it for $730,000 in 2023. I partially designed the home also
with an architect. I chose all the light fixtures, kitchen
appliances/cabinets, flooring, color of paint, et cetera.
One of the pages in the book shows the kitchen in this house.
Steven B. Vail
BRE#00619431
B
707-225-6211
Cell
707-328-2780
Fax
707-838-4850
Industrial / Commercial Building
I sold this industrial /commercial building that is located
near by the Charles Shultz airport, off airport Boulevard
in Santa Rosa, CA.
Steven B. Vail
BRE#00619431
B
707-225-6211
Cell
707-328-2780
Fax
707-838-4850
Residential Real Estate
19079 Moon Ridge Road
Four years ago, I sold this musician, Brandon Eardley a house.
The address is
19079 Moon Ridge Road
in Hidden Valley Lake, CA 95467.
Financing
Houston
Sam,
This is me in a hotel in Houston. I went there in June 2026
to meet the CEO and CFO of Meridian Energy Group, Inc and
other investors. That is a company looking for investor funds
of $1.5 billion to build the Davis Oli Refinery in North Dakota.
So, I am interested in other types of financing besides
residential homes.
Family
Zip Lining Near Camp Meeker
Me and my son zip lining near Camp Meeker,
California in July of 2026.
San Francisco
Meeting Gavin Newsom
This is a picture of me meeting the Governor of California
(Gavin Newsom) in San Francisco when my family was shopping
at Christmas time about 3 1/2 years ago.
Golf
Solmar Golf Links
This is me playing golf at the famous golf course,
Solmar Golf Links in Cabo San Lucas, Mexico last December 2026.
Old School House Plaza
This is a rendering of a property that I had built in
2007-2008 in the middle of Geyserville, CA called the
Old School House Plaza.
6 residential condos up on the second floor and
6 commercial condos on the first floor.
A total 20,000 square foot building.
Steven B. Vail
BRE#00619431
B
707-225-6211
Cell
707-328-2780
Fax
707-838-4850
Martin Scott
This is a picture of a musician, Martin Scott, lead vocalist
with the band called Pride and Joy. I was at their inaugural
opening in 1977 at a bar in Mill Valley, CA called Sweetwater.
Here I am with him in 2026, when he played in the concert
series they hold at the town Green in Windsor, CA
A picture of me in a sail boat on San Francisco Bay.
The second picture is me and my son parasailing in Cabo San Lucas,
Mexico.
605 Powderhorn Drive Santa Rosa, CA
.
I financed that property.
995 Dry Creek Road Healdsburg, CA
.
I went to a wine club party there about 6 months before I listed
that property for $2.75 million.
Steven B. Vail
BRE#00619431
B
707-225-6211
Cell
707-328-2780
Fax
707-838-4850
WHAT YOU’LL FIND ON THIS SITE
The Book
Learn more about
So Where Do You Want to Live?
and grab your copy.
Real Estate Services
Buy, Sell, Invest.
Expert guidance every step of the way.
About Steven
Get to know Steven,
his experience, values,
and approach.
Blog & Resources
Real estate tips, market insights,
and life lessons from the field.