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Fidel Dorado

Sales Manager

NMLS #241054

Hablo Español

What It's Like To Work With Me

Working with me means clarity, not pressure. I take the time to explain your options, show the numbers, and build a plan that fits your life today and long term.

Available to contact 24/7

A Mortgage Loan Advisor You Can Trust

Wherever you are in your homebuying journey, I’m here to guide you every step of the way. At ZABE Mortgage, we provide you personalized support for home purchases, refinancing, and home equity solutions, along with access to a wide range of loan programs including FHA, VA, Conventional, USDA, Jumbo, and Non-QM options.

About Fidel

I became a mortgage loan advisor after seeing how confusing the home financing process can be, especially when there is a language barrier. I watched families sign documents without fully understanding what they were committing to. That shaped how I approach this work.

Education is not an extra. It is the foundation.

You should understand your budget, your buying power, and how your mortgage supports your broader financial goals. I walk through the numbers carefully and explain how I arrive at every recommendation. You will see the comparisons. You will understand the reasoning.

We structure decisions around both your short-term priorities and your long-term direction.

As a homeowner myself, I understand the responsibility involved. This is not just about qualifying for a loan. It is about choosing terms that hold up over time.

With more than 26 years in the industry, I have worked through every type of market cycle. That experience allows me to anticipate obstacles, solve issues early, and strengthen your credibility when you are making an offer. Realtors and sellers know my team communicates clearly and closes consistently.

My guidance does not stop at closing. I stay connected to review your mortgage as markets shift and life evolves. We look at opportunities to improve terms, reposition debt, and plan future purchases. The objective is long-term stability and thoughtful growth, not a single transaction.

As Sales Manager and Owner of ZABE Mortgage, I focus on building confident homeowners through structure, preparation, and accountability.

When we work together, you will understand your decision, know why you made it, and have a strategy that extends well beyond the day you receive your keys.

Achievements

Loan Officer of The Year (2022 & 2021) - Golden Empire Mortgage, Inc.

Top Loan Originator Recognition (2011 - 2025) - Golden Empire Mortgage, Inc.

Top 1% Mortgage Originator in America (2016 - 2025) - Mortgage Executive Magazine

Top 250 Latino Mortgage Originator in America (2016 - 2025) - National Association of Hispanic Real Estate Professionals (NAHREP)

CalHFA Top Lending Hero (2019 - 2022) - California Housing Finance Agency (CalHFA)

CalHFA Preferred Loan Officer (2019 - Present) - California Housing Finance Agency (CalHFA)

2019 - 2025 Top 10 in America Loan Officer in Customer Satisfaction for Mortgages - Experience.com

Five Star Mortgage Professional (2014, 2015, 2021, 2022, 2023, 2024, & 2025) - Five Star Professional

Top Producer National Mortgage News 2016 - 2025

Scotsman Guide Top Originator 2016 - 2025

Rooted in the Central Valley. Servicing All of California.

Whether you’re a first-time buyer, a seasoned homeowner, or exploring new financial opportunities, our team is here to deliver a seamless lending experience designed around your goals.

Where We Work Most Often

What My Clients Say

Working With a ZABE Loan Officer

The Process

At ZABE Mortgage, we take a more thorough, thoughtful approach to homeownership, guiding our clients through education. See our process below.

Loan Options

We offer a number of loan programs that may be right for you. Count on your ZABE Mortgage loan professional to help you select the best one.

Conventional

Conventional loans are available as fixed-rate or adjustable-rate mortgages. Find out if a Conventional loan is right for you.
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FHA

Get started with an FHA loan and finance your home with down payments as low as 3.5%.
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VA

If you're active military, veteran, or eligible surviving spouses, start your quote for a VA Home Loan today!
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USDA

The USDA Guaranteed Loan Program provides one of the most affordable loan programs to Americans today. See if you qualify for 100% financing and no money down.
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Jumbo Loans

In the market for a higher-priced luxury home? We can help you dream big with a Jumbo Home Loan.
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Down Payment Assistance

We can help you discover the available programs and provide you with the understanding of how down payment assistance programs may benefit you.
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Home Equity Loan (HELOAN)

A HELOAN, a second mortgage, uses home equity as collateral for a lump sum loan with fixed interest, requiring monthly payments.
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Home Equity Line of Credit (HELOC)

A HELOC, a second mortgage, offers a flexible credit line using home equity for expenses. It has draw and repayment phases with variable interest rates.
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Non-QM Loans

We offer a range of Non-Qualified Mortgage loan options to meet your needs if you may not fit into the traditional lending mold.
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New Construction Loans

New Construction Loans are short-term loans that can provide you the necessary funds to cover the construction costs of a new home.
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Buying a New Construction Home from a Builder

ZABE Mortgage offers our expert services to help you make informed decisions in the process of purchasing a new construction home.
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Ready to Get Started?

Take the next step on your home loan journey with expert guidance, flexible options, and a team committed to helping you succeed.