Applegate-Beard Insurance Solutions

707.235.1059 / 707.312.0137
Mike Applegate / Linda Beard
Email: /


CA DOI License 0I56009 

Mike Applegate and Linda Beard are specialists in Personal, Commercial and Health Insurance. They operate an Independent Agency with a variety of insurance solutions to address your unique insurance needs. 

Linda is a sixth generation resident of the Napa Valley and third generation insurance broker; she really can do it all! Mike has 30 years of insurance experience with an affinity for Work Comp and Group Health. 

Multi-Policy Discounts, up to 27%, are offered for your Home, Auto and Umbrella insurance when bundled. 

Please call or email for more information:

Del Sur Mortgage

Chris Salese
Chris Salese []

Chris Salese

Chris Salese

Buying a home or refinancing your existing home can be exciting, challenging, and perhaps one of the biggest financial decisions you will make in your life. It’s important to have a knowledgeable and trustworthy mortgage professional to help guide you through the loan process.  As Branch Manager of Del Sur Mortgage, a local retail mortgage bank, Chris has been helping clients with their financing needs for more than 11 years in the Napa Valley. With his experience, integrity, and ability to get the job done, he has earned the trust of his clients, their referrals and is the preferred lender for some the area's top Realtors. He is a graduate of the University of San Diego, a certified Freddie Mac Credit Smart Instructor and a huge San Diego Chargers football fan.

Chris happily lives in the beautiful Napa Valley with his wife and four children.  Supporting other local businesses and community involvement is very important to him too. He is currently the VP of Business Development for the local youth soccer organization, Napa United, and coaches both youth soccer as well as Napa Little League baseball teams. In addition, Chris writes a column for the local newspaper, titled Napa’s Loan Ranger, which is published every other Thursday in the Napa Valley Register.  


Direct: 707.265.9006
Cell: 707.363.4439
Fax: 707.265.9573

NMLS# 254469/1850/304594
CA BRE# 01377933

Licensed by the Dept of Business Oversight under the CRMLA

Equal Housing Opportunity


Gaw Van Male Attorneys

Todd Wenzel

Todd J. Wenzel

Todd Wezel




  T: 707-252-9000

  F: 707-252-0792



Todd Wenzel is a Real Estate lawyer.  He represents individuals involved in real property transactions and disputes, buyers and sellers of real estate, real estate brokers and Realtors®, property owners, commercial and residential landlords and tenants, business owners, developers, architects, engineers, contractors, and subcontractors.  

Todd is a member of the firm’s Real Estate and Business Teams.  He has authored California Real Estate Law and Litigation (CEB) chapters on Broker Contracts, and Principals Duties, Liabilities, and Defenses; as well Todd was a consultant on California Construction Contracts, Defects, and Litigation (CEB) chapter on Green Building.  He has also authored numerous articles on residential and commercial landlord-tenant issues, sub-prime mortgage crisis, and foreclosures in various publications. 

Todd is a frequent presenter of continuing education classes for real estate professionals in consumer protection and risk management topics; as well Todd has been recognized as a member of distinguished faculty for Lorman Education Services in legal seminar presentations. 


Juris Doctorate

Southwestern University School of Law, 1991

Bachelor of Arts

University of California, Los Angeles, 1988




State Bar of California, Real Property Section

Napa County Bar Association

North Bay Association of Realtors® (NorBAR –Affiliate Member)

Signet Reverse Mortgage

Office Phone 1-707-265-6385
Tom MacDonald
  • Tom MacDonald
  • For all your reverse mortgage needs.



  • Toll Free 1-800-801-5727
  • Office Phone 1-707-265-6385
  • Fax 1-707-812-1971



Tom brings more than 20 years of financial industry experience including 12 plus years of Reverse Mortgage Experience.  With his “no-pressure”, educational approach, Tom is an expert at helping his clients find the right solution that exactly meets their needs.

Tom grew up on the Monterey Peninsula, receiving his undergraduate degree from the University of Washington and his MBA from Golden Gate University.  He and his wife make their home in Napa Valley. 


“I absolutely love what I do!  I am fortunate to be able to work at something I love to do.  I have the patience and understanding to help guide everyone involved through the loan process. 

I have the knowledge and the expertise needed in today’s industry to help you find the program that is right for you.  I will show you exactly how the programs work and how you can use them to get what you want in a home or to access its equity.

I can customize a loan program that is just right for you.  From start to finish, I will be there with you every step of the way and look forward to making your experience a smooth and positive one!”

If you are 62 or over, consider a reverse mortgage that turns your equity into tax-free cash without having to make any monthly payments for the rest of your life.  Or use it to purchase a new home.”


About Signet Mortgage

Repeat business is the best evidence of doing the right things for a client.  Signet Mortgage makes a commitment to you – we will take the time to fully explain your options, how the process works and answer any questions.  You will have confidence throughout your experience with Signet Mortgage.  When all is said and done you will look back on your experience and know you understood the whole picture, with no details left out. 

Tom MacDonald

Reverse Mortgage Consultant  

NMLS ID 210661

CalBRE 00903226 

Equal Housing Opportunity