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		<title><![CDATA[Site Map | Sierra Pacific Mortgage Corp South San Francisco, California]]></title>
		<link>http://lakshmiyokoyama.com/sitemap.xml</link>
		<description><![CDATA[Lakshmi Yokoyama from Sierra Pacific Mortgage Corp]]></description>
		<language>en-us</language>
		<copyright><![CDATA[Copyright (c) 2026 Sierra Pacific Mortgage Corp All Rights Reserved.]]></copyright>
		<lastBuildDate>Fri, 03 Apr 2026 21:21:37 +0000</lastBuildDate>
		<ttl>3600</ttl>
		<item>
			<title><![CDATA[ Home ]]></title>
			<link>http://lakshmiyokoyama.com/index.htm</link>
			<guid>http://lakshmiyokoyama.com/index.htm</guid>
			<pubDate>Thu, 04 Dec 2014 03:04:33 +0000</pubDate>
			<description><![CDATA[ 

San Francisco Bay Area Home Loans
You&amp;nbsp;Are About To Discover Valuable Tips To Help You Make&amp;nbsp;An Informed Decision AboutSan Francisco Bay Area Real Estate &amp;amp; Mortgage Financing

Dear Future Homeowner,
My name is Lakshmi Yokoya... ]]></description>
		</item>
		<item>
			<title><![CDATA[ Contact Us ]]></title>
			<link>http://lakshmiyokoyama.com/contact.htm</link>
			<guid>http://lakshmiyokoyama.com/contact.htm</guid>
			<pubDate>Thu, 08 Dec 2022 16:07:15 +0000</pubDate>
			<description><![CDATA[ Ask Your Question
We know that you are not always able to find an answer to every question on our website. That's why we encourage you to ask us a question. One of the knowledgeable members of our team will respond shortly with an answer to any ques... ]]></description>
		</item>
		<item>
			<title><![CDATA[ Map & Directions ]]></title>
			<link>http://lakshmiyokoyama.com/map.htm</link>
			<guid>http://lakshmiyokoyama.com/map.htm</guid>
			<pubDate>Wed, 18 Apr 2012 15:21:27 +0000</pubDate>
			<description><![CDATA[ Map &amp;amp; Directions
The map below points to our office location.





 
// Create a map object
var map = new YMap(document.getElementById('mapContainer')); 
// Display the map centered on given address 
map.drawZoomAndCenter(&quot;363... ]]></description>
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		<item>
			<title><![CDATA[ Privacy Policy ]]></title>
			<link>http://lakshmiyokoyama.com/privacy.htm</link>
			<guid>http://lakshmiyokoyama.com/privacy.htm</guid>
			<pubDate>Mon, 03 Nov 2014 18:33:40 +0000</pubDate>
			<description><![CDATA[ Terms of Use
1. Terms
By accessing this web site, you are agreeing to be bound by these web site Terms and Conditions of Use, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If yo... ]]></description>
		</item>
		<item>
			<title><![CDATA[ State License Information ]]></title>
			<link>http://lakshmiyokoyama.com/state-license.htm</link>
			<guid>http://lakshmiyokoyama.com/state-license.htm</guid>
			<pubDate>Wed, 18 Apr 2012 15:21:28 +0000</pubDate>
			<description><![CDATA[ State License Information
Here is our state license information:
State of CaliforniaCalBRE 00585554 Broker Hemant PrasadState of California00921097... ]]></description>
		</item>
		<item>
			<title><![CDATA[ Mortgage Calculators ]]></title>
			<link>http://lakshmiyokoyama.com/mortgage-calculators.htm</link>
			<guid>http://lakshmiyokoyama.com/mortgage-calculators.htm</guid>
			<pubDate>Wed, 18 Apr 2012 15:21:29 +0000</pubDate>
			<description><![CDATA[ Mortgage Calculators
Monthly Mortgage PaymentThis calculator will compute your Total Monthly Mortgage Payment. Your monthly payment will include principal and interest and an escrow account for property taxes and homeowners insurance. This is also k... ]]></description>
		</item>
		<item>
			<title><![CDATA[ Tell Us What You Think ]]></title>
			<link>http://lakshmiyokoyama.com/tellus.htm</link>
			<guid>http://lakshmiyokoyama.com/tellus.htm</guid>
			<pubDate>Wed, 18 Apr 2012 15:21:32 +0000</pubDate>
			<description><![CDATA[ Tell Us What You Think
It was a true pleasure to assist you. Our business is built on the referrals we receive from satisfied clients. Please take a few minutes to fill out the form below and leave us your feedback. It only takes a few quick and eas... ]]></description>
		</item>
		<item>
			<title><![CDATA[ Loan Amortization Calculator ]]></title>
			<link>http://lakshmiyokoyama.com/loan-amortization-calculator.htm</link>
			<guid>http://lakshmiyokoyama.com/loan-amortization-calculator.htm</guid>
			<pubDate>Wed, 18 Apr 2012 15:21:35 +0000</pubDate>
			<description><![CDATA[ Mortgage Amortization Calculator

We have many other Mortgage Calculators for you to use. 
Make sure you register to receive my Free Homebuying Guide and Insider Mortgage Reports, browse my Resources section, fill-out a FREE No-Obligation Secure O... ]]></description>
		</item>
		<item>
			<title><![CDATA[ Loan Qualification Calculator ]]></title>
			<link>http://lakshmiyokoyama.com/loan-qualify-calculator.htm</link>
			<guid>http://lakshmiyokoyama.com/loan-qualify-calculator.htm</guid>
			<pubDate>Tue, 13 Apr 2021 15:12:53 +0000</pubDate>
			<description><![CDATA[ What Size Loan Can I Qualify For?

We have many other Mortgage Calculators for you to use.
Make sure you register to receive my Free Homebuying Guide and Insider Mortgage Reports, browse my Resources section, fill-out a FREE No-Obligation Secure O... ]]></description>
		</item>
		<item>
			<title><![CDATA[ Interest vs Principal Calculator ]]></title>
			<link>http://lakshmiyokoyama.com/interest-principal-calculator.htm</link>
			<guid>http://lakshmiyokoyama.com/interest-principal-calculator.htm</guid>
			<pubDate>Wed, 18 Apr 2012 15:21:35 +0000</pubDate>
			<description><![CDATA[ How Much Of My Payment Is Interest vs Principal?

We have many other Mortgage Calculators for you to use. 
Make sure you register to receive my Free Homebuying Guide and Insider Mortgage Reports, browse my Resources section, fill-out a FREE No-Obl... ]]></description>
		</item>
		<item>
			<title><![CDATA[ Buy vs Rent Calculator ]]></title>
			<link>http://lakshmiyokoyama.com/buy-rent-calculator.htm</link>
			<guid>http://lakshmiyokoyama.com/buy-rent-calculator.htm</guid>
			<pubDate>Wed, 18 Apr 2012 15:21:36 +0000</pubDate>
			<description><![CDATA[ Buying vs Renting Comparison

We have many other Mortgage Calculators for you to use. 
Make sure you register to receive my Free Homebuying Guide and Insider Mortgage Reports, browse my Resources section, fill-out a FREE No-Obligation Secure Onlin... ]]></description>
		</item>
		<item>
			<title><![CDATA[ Early Payoff Calculator ]]></title>
			<link>http://lakshmiyokoyama.com/early-payoff-calculator.htm</link>
			<guid>http://lakshmiyokoyama.com/early-payoff-calculator.htm</guid>
			<pubDate>Wed, 18 Apr 2012 15:21:36 +0000</pubDate>
			<description><![CDATA[ How To Pay Off My Mortgage Early

We have many other Mortgage Calculators for you to use. 
Make sure you register to receive my Free Homebuying Guide and Insider Mortgage Reports, browse my Resources section, fill-out a FREE No-Obligation Secure O... ]]></description>
		</item>
		<item>
			<title><![CDATA[ Refinance Calculator ]]></title>
			<link>http://lakshmiyokoyama.com/refinance-calculator.htm</link>
			<guid>http://lakshmiyokoyama.com/refinance-calculator.htm</guid>
			<pubDate>Wed, 18 Apr 2012 15:21:36 +0000</pubDate>
			<description><![CDATA[ Should I Refinance?

We have many other Mortgage Calculators for you to use. 
Make sure you register to receive my Free Homebuying Guide and Insider Mortgage Reports, browse my Resources section, fill-out a FREE No-Obligation Secure Online Loan Ap... ]]></description>
		</item>
		<item>
			<title><![CDATA[ Monthly Mortgage Payment Calculator ]]></title>
			<link>http://lakshmiyokoyama.com/monthly-payment-calculator.htm</link>
			<guid>http://lakshmiyokoyama.com/monthly-payment-calculator.htm</guid>
			<pubDate>Wed, 18 Apr 2012 15:21:37 +0000</pubDate>
			<description><![CDATA[ Monthly Mortgage Payment

We have many other Mortgage Calculators for you to use. 
Make sure you register to receive my Free Homebuying Guide and Insider Mortgage Reports, browse my Resources section, fill-out a FREE No-Obligation Secure Online Lo... ]]></description>
		</item>
		<item>
			<title><![CDATA[ 3 Quick Tips For Repairing Your Credit Report ]]></title>
			<link>http://lakshmiyokoyama.com/3creditrepairtips.htm</link>
			<guid>http://lakshmiyokoyama.com/3creditrepairtips.htm</guid>
			<pubDate>Wed, 18 Apr 2012 15:23:36 +0000</pubDate>
			<description><![CDATA[ ... ]]></description>
		</item>
		<item>
			<title><![CDATA[ Important Terms You Must Know BEFORE Obtaining A Mortgage ]]></title>
			<link>http://lakshmiyokoyama.com/mortgage-terms.htm</link>
			<guid>http://lakshmiyokoyama.com/mortgage-terms.htm</guid>
			<pubDate>Wed, 18 Apr 2012 15:22:53 +0000</pubDate>
			<description><![CDATA[ Important Terms You Must Know BEFORE Obtaining A Mortgage
Dear ,
The following is a comprehensive list of mortgage terms that may be used during&amp;nbsp;the loan process.&amp;nbsp;By familiarizing yourself with these terms, you will be able to&amp... ]]></description>
		</item>
		<item>
			<title><![CDATA[ Special Report Exposes All Of The Terms And Fees That Are Charged To Buyers At Settlement ]]></title>
			<link>http://lakshmiyokoyama.com/closing-cost.htm</link>
			<guid>http://lakshmiyokoyama.com/closing-cost.htm</guid>
			<pubDate>Wed, 18 Apr 2012 15:22:53 +0000</pubDate>
			<description><![CDATA[ Special Report Exposes All Of The Terms And Fees That Are Charged To Buyers At Settlement
Dear ,
All lenders and brokers are required to provide you with a Good Faith Estimate detailing the services you may be required to get and pay for in connect... ]]></description>
		</item>
		<item>
			<title><![CDATA[ How To Own A Home With Low Interest Rates And A Low Down Payment, Regardless Of Your Credit ]]></title>
			<link>http://lakshmiyokoyama.com/own-a-home.htm</link>
			<guid>http://lakshmiyokoyama.com/own-a-home.htm</guid>
			<pubDate>Wed, 18 Apr 2012 15:22:53 +0000</pubDate>
			<description><![CDATA[ How To Own A Home With Low Interest Rates And A Low Down Payment, Regardless Of Your Credit
Dear ,
The enclosed special report will show you how you can own a home with VERY LITTLE MONEY DOWN and get LOW INTEREST RATES even if you have had a bankru... ]]></description>
		</item>
		<item>
			<title><![CDATA[ Tested and Proven Strategies For Building A Better Credit Record Faster and Easier ]]></title>
			<link>http://lakshmiyokoyama.com/better-credit-record.htm</link>
			<guid>http://lakshmiyokoyama.com/better-credit-record.htm</guid>
			<pubDate>Wed, 18 Apr 2012 15:22:53 +0000</pubDate>
			<description><![CDATA[ ... ]]></description>
		</item>
		<item>
			<title><![CDATA[ Checklist Of Items Lenders Need To Approve Your Loan Application ]]></title>
			<link>http://lakshmiyokoyama.com/mortgage-checklist.htm</link>
			<guid>http://lakshmiyokoyama.com/mortgage-checklist.htm</guid>
			<pubDate>Wed, 18 Apr 2012 15:22:54 +0000</pubDate>
			<description><![CDATA[ Checklist Of Items Lenders Need To Approve Your Loan Application
Dear ,
The following list of items has been compiled for your convenience.&amp;nbsp;You will need to bring this information to&amp;nbsp;your mortgage application in order to expedite ... ]]></description>
		</item>
		<item>
			<title><![CDATA[ How To Finally Stop Renting And Own A Home Of Your Own ]]></title>
			<link>http://lakshmiyokoyama.com/stop-renting.htm</link>
			<guid>http://lakshmiyokoyama.com/stop-renting.htm</guid>
			<pubDate>Wed, 18 Apr 2012 15:22:54 +0000</pubDate>
			<description><![CDATA[ How To Finally Stop Renting And Own A Home Of Your Own
Dear ,
This free report will show you the tax benefits of owning your own home as well as:

How to get pre-approved and find the right program to suit your needs.
The end of this report will... ]]></description>
		</item>
		<item>
			<title><![CDATA[ 12 Secrets To Lowering Your Homeowners Insurance Cost ]]></title>
			<link>http://lakshmiyokoyama.com/lower-insurance.htm</link>
			<guid>http://lakshmiyokoyama.com/lower-insurance.htm</guid>
			<pubDate>Thu, 10 May 2012 12:59:56 +0000</pubDate>
			<description><![CDATA[ 12 Secrets To Lowering Your Homeowners Insurance Cost
Dear ,
The following are 12 valuable&amp;nbsp;secrets to help you lower your homeowners insurance cost.
1. Shop AroundIt'll take some time, but could save you a good sum of money. Ask your friends... ]]></description>
		</item>
		<item>
			<title><![CDATA[ 7 Things You Should NOT Do When Applying For A Home Loan ]]></title>
			<link>http://lakshmiyokoyama.com/seven-things.htm</link>
			<guid>http://lakshmiyokoyama.com/seven-things.htm</guid>
			<pubDate>Wed, 18 Apr 2012 15:22:54 +0000</pubDate>
			<description><![CDATA[ 7 Things You Should NOT Do When Applying For A Home Loan
Dear ,
This is a list of things to steer clear of when you are seeking to obtain financing for a home. The following items may prove to be a detriment when you wish to move forward with the l... ]]></description>
		</item>
		<item>
			<title><![CDATA[ Money & Time Saving Tips For A Successful Move ]]></title>
			<link>http://lakshmiyokoyama.com/moving-tips.htm</link>
			<guid>http://lakshmiyokoyama.com/moving-tips.htm</guid>
			<pubDate>Wed, 18 Apr 2012 15:22:54 +0000</pubDate>
			<description><![CDATA[ Money &amp;amp; Time Saving Tips For A Successful Move
Dear ,
This brochure has been developed by the U.S. Department of Transportation (USDOT), Federal Motor Carrier Safety Administration (FMCSA) to assist you in a successful move across state lin... ]]></description>
		</item>
		<item>
			<title><![CDATA[ The Top Mortgage Questions You Must Ask Before Applying For A Mortgage ]]></title>
			<link>http://lakshmiyokoyama.com/mortgage-faq.htm</link>
			<guid>http://lakshmiyokoyama.com/mortgage-faq.htm</guid>
			<pubDate>Wed, 18 Apr 2012 15:22:54 +0000</pubDate>
			<description><![CDATA[ The Top Mortgage Questions You Must Ask Before Applying For A Mortgage
Dear ,
The following report answers the top mortgage questions you must ask before you apply for a mortgage.
You may want to print this report for future reference.
PART I. GE... ]]></description>
		</item>
		<item>
			<title><![CDATA[ What Others Say ]]></title>
			<link>http://lakshmiyokoyama.com/client-comments.htm</link>
			<guid>http://lakshmiyokoyama.com/client-comments.htm</guid>
			<pubDate>Wed, 18 Apr 2012 15:21:42 +0000</pubDate>
			<description><![CDATA[ What Others Say About Us

&quot;The web page is easy to use and full of great info. The photo of goddess, Lakshmi, makes it personal. I would be encouraged to use this web site...MoreNancy Hill[Testimonial Wizard 5/5/2012 7:14:19 PM]


&quot;The tea... ]]></description>
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		<item>
			<title><![CDATA[ Proof Credit Repair Works ]]></title>
			<link>http://lakshmiyokoyama.com/credit-vid-basics.htm</link>
			<guid>http://lakshmiyokoyama.com/credit-vid-basics.htm</guid>
			<pubDate>Tue, 18 Feb 2014 10:48:54 +0000</pubDate>
			<description><![CDATA[ Does Credit Repair Really Work?Click The Play Arrow Below ToWatch The Video And Find Out The Truth!
.embed-container { position: relative; padding-bottom: 56.25%; height: 0; overflow: hidden; max-width: 100%; height: auto; } .embed-container iframe, ... ]]></description>
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		<item>
			<title><![CDATA[ Reverse Mortgage - NEW ]]></title>
			<link>http://lakshmiyokoyama.com/reverse-mortgage.htm</link>
			<guid>http://lakshmiyokoyama.com/reverse-mortgage.htm</guid>
			<pubDate>Tue, 09 Jul 2024 23:10:43 +0000</pubDate>
			<description><![CDATA[ 



 Toggle navigation    



Home
Reverse 101

Reverse Calculator
Reverse FAQs
Get a Free Quote
Eligibility Requirements
Other Sources
Contact Us








Welcome To Our San Francisco Bay Area Reverse Mortgage Resource Center... ]]></description>
		</item>
		<item>
			<title><![CDATA[ Copy of Reverse Mortgage ]]></title>
			<link>http://lakshmiyokoyama.com/reverse-mortgage-tabs_57d31ddf6e527.htm</link>
			<guid>http://lakshmiyokoyama.com/reverse-mortgage-tabs_57d31ddf6e527.htm</guid>
			<pubDate>Fri, 09 Sep 2016 16:38:55 +0000</pubDate>
			<description><![CDATA[ 



 Toggle navigation    



Home
Reverse 101
Reverse FAQs
Get a free quote
Eligibility requirements
Other sources
Contact us








Welcome To Our San Francisco Bay Area Reverse Mortgage Resource Center

A Reverse Mortgage can offer you so many wo... ]]></description>
		</item>
		<item>
			<title><![CDATA[ Customer Complaint Policy ]]></title>
			<link>http://lakshmiyokoyama.com/complaints.htm</link>
			<guid>http://lakshmiyokoyama.com/complaints.htm</guid>
			<pubDate>Mon, 16 Dec 2019 13:51:45 +0000</pubDate>
			<description><![CDATA[ Complaints
It is the policy of our company to respond to customer complaints, disputes and issues immediately, to take each complaint seriously, to investigate each complaint however small it is &amp;ndash; immediately and to take remedial actions s... ]]></description>
		</item>
		<item>
			<title><![CDATA[ ADA Accessibility Statement ]]></title>
			<link>http://lakshmiyokoyama.com/accessibility.htm</link>
			<guid>http://lakshmiyokoyama.com/accessibility.htm</guid>
			<pubDate>Mon, 16 Dec 2019 13:51:55 +0000</pubDate>
			<description><![CDATA[ Accessibility Statement
 Updated: December 16th, 2019. 
General
lakshmiyokoyama.com strives to ensure that its services are accessible to people with disabilities. lakshmiyokoyama.com has invested a significant amount of resources to help ensure t... ]]></description>
		</item>
		<item>
			<title><![CDATA[ TCPA Consent Disclosure ]]></title>
			<link>http://lakshmiyokoyama.com/tcpa-consent.htm</link>
			<guid>http://lakshmiyokoyama.com/tcpa-consent.htm</guid>
			<pubDate>Mon, 16 Dec 2019 13:52:03 +0000</pubDate>
			<description><![CDATA[ TCPA Consent Disclosure

Notwithstanding any current or prior election to opt in or opt out of receiving telemarketing calls or SMS messages (including text messages) from us, our agents, representatives, affiliates, or anyone calling on our behalf... ]]></description>
		</item>
		<item>
			<title><![CDATA[ Government Disclosures ]]></title>
			<link>http://lakshmiyokoyama.com/government-disclosures.htm</link>
			<guid>http://lakshmiyokoyama.com/government-disclosures.htm</guid>
			<pubDate>Mon, 16 Dec 2019 13:52:13 +0000</pubDate>
			<description><![CDATA[ Government Disclosures
These materials were not approved by any government agency. They are independent of any government agency. The materials on our site are not from HUD, FHA, the USDA, or the VA.&amp;nbsp; We are not in any way affiliated with a... ]]></description>
		</item>
		<item>
			<title><![CDATA[ Yokoyama, Lakshmi - Senior Mortgage Consultant / Online Marketing Manager | NMLS270710 / CalBRE01173506]]></title>
			<link>http://lakshmiyokoyama.com/staff/1975</link>
			<guid>http://lakshmiyokoyama.com/staff/1975</guid>
			<pubDate>Fri, 03 Apr 2026 21:21:38 +0000</pubDate>
			<description><![CDATA[ My Mission Statement
&quot;I strive to offer an exemplary level of service and consulting in assisting my clients in obtaining the smartest programs for their specific needs thus, allowing them to maximize their financial position and reach their per... ]]></description>
		</item>
		<item>
			<title><![CDATA[ Budiarto, MBA, Bing - Loan Originator | NMLS # 325438, DRE# 01160200]]></title>
			<link>http://lakshmiyokoyama.com/staff/2234</link>
			<guid>http://lakshmiyokoyama.com/staff/2234</guid>
			<pubDate>Fri, 03 Apr 2026 21:21:38 +0000</pubDate>
			<description></description>
		</item>
		<item>
			<title><![CDATA[ Prasad, Hemant  - Broker]]></title>
			<link>http://lakshmiyokoyama.com/staff/1976</link>
			<guid>http://lakshmiyokoyama.com/staff/1976</guid>
			<pubDate>Fri, 03 Apr 2026 21:21:38 +0000</pubDate>
			<description></description>
		</item>
		<item>
			<title><![CDATA[ Pacific Star Real Estate (Real Estate Sales) ]]></title>
			<link>http://lakshmiyokoyama.com/resource/142219</link>
			<guid>http://lakshmiyokoyama.com/resource/142219</guid>
			<pubDate>Fri, 03 Apr 2026 21:21:38 +0000</pubDate>
			<description></description>
		</item>
		<item>
			<title><![CDATA[ Peninsula Business Network (Who Lakshmi Uses) ]]></title>
			<link>http://lakshmiyokoyama.com/resource/123834</link>
			<guid>http://lakshmiyokoyama.com/resource/123834</guid>
			<pubDate>Fri, 03 Apr 2026 21:21:38 +0000</pubDate>
			<description><![CDATA[ PBN is a bay area network of business leaders, who are framiliar, native, and well established. We aim to network, and expand our businesses to better serve and help the our communities.... ]]></description>
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