The Katalyst Team at ETHOS Lending
Your Wealth Plan.
Accelerated.
Strategic mortgage solutions built around your entire financial picture.
What Brings You Here?
Choose Your Path
What Happens Next
Three Steps. Zero Pressure.
Book a Free Strategy Call
15 minutes. No obligation. We'll listen to your goals and see if we can help.
Get Your Custom Plan
We'll map out a mortgage strategy built around your financial picture, not just a rate quote.
Move Forward With Confidence
Ready now or planning ahead, you'll know exactly where you stand.
What Makes Us Different
The Financial Planning
Approach to Lending
While other lenders compete on rate, we compete on outcomes. Every mortgage we structure is designed to accelerate your long-term wealth.
Strategy Over Rate Shopping
Your mortgage is the most powerful financial tool you'll ever hold. We don't just find a rate. We structure financing to accelerate your path to financial freedom.
Your Full Financial Picture
We evaluate every mortgage decision in context: income trajectory, investments, tax situation, retirement timeline, real estate goals. This is the Financial Planning Approach, and it's why families return for their 2nd, 3rd, and 4th transactions.
Battle-Tested Strategies
100+ real estate projects. Thousands of families served across every market condition. Our calculators exist because we USE these strategies daily.
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Years Experience
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Families Served
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States Licensed
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Star Service
Members of The Katalyst Team Have Been Featured In
The Katalyst Calculator Suite
Other lenders give you a rate quote.
We give you a strategic toolkit.
Strategic calculators built around the approach we use with every client. Find the one that fits your situation.
Meet Your Mortgage Advisor
Your Strategy Starts With the Right Partner
An experienced professional who treats your financial future like their own.
Geoff Kautzman
Mortgage Advisor
NMLS #1172223
Geoff Kautzman is a Mortgage Advisor with over 20 years of experience helping clients confidently navigate home financing. Known for delivering fast, smooth closings and strategic loan solutions, Geoff specializes in helping buyers and homeowners succeed in competitive markets.
Read more →From the Team
Insights and Strategy
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Client Wins
What Clients Say
About Working with Geoff.
“Always great working with Geoff and his team. They are amazing. This was my second home purchase with them and the service was just as amazing as before.”
Laevian N.
North Las Vegas, NV · December 2024
“Home buying has definitely been a journey for me. I first spoke with Geoff early 2023 to inquire about a home purchase where I discovered I wasn't ready. When I was ready he walked me through the steps needed and at the same time educating me throughout the process.”
CGCesar G.
Hesperia, CA · May 2024
“We were so grateful for Geoff's assistance through this process. He made everything go smoothly and we would recommend him.”
LPLarry P.
Beaumont, CA · August 2024
“Very professional, great team, and turned a bad situation around and got this closed.”
AHAndrea H.
Laytonville, CA · March 2025
“The highest level of commitment and dedication to making a stressful situation an awesome experience and a happy customer.”
PMPatricia M.
Henderson, NV · July 2024
“Mr. Kautzman was always available, explained everything thoroughly and is an honest man.”
SBSpencer B.
Palm Desert, CA · August 2023
“Thank you so much Geoff and the team for going above and beyond for our family! My second home would also be through you.”
TNThao N.
Anaheim, CA · April 2023
“Made a unique situation feel normal. Thanks for the help.”
LDLaura D.
Clovis, CA · April 2024
“Geoff is very attentive and honest about purchasing a home! Loved the experience.”
JLJillian L.
Loma Linda, CA · December 2023
“Very professional, made the whole process super easy.”
RPRobert P.
Laytonville, CA · March 2025
“Everyone was very nice and super helpful throughout this entire process.”
DBDevon B.
Cabazon, CA · March 2024
“Geoff helps the process from beginning through completion as smooth as possible.”
CGCatherine G.
Pinon Hills, CA · February 2023
“Very quick and clear communication. He made everything easy for us.”
CGCarlos G.
Santa Clarita, CA · May 2023
“The whole process was handled quickly and efficiently. The communication was great.”
BBBrian B.
Sonora, CA · February 2023
“Very helpful and great service!”
BEBailey E.
Beaumont, CA · April 2023
“Talked me through it, explained the process. Available when needed. Thanks for all your help.”
EFEdna F.
Riverside, CA · July 2023
“Thank you for all your help Geoff! It was a great experience!”
KGKristen G.
Riverside, CA · October 2023
Individual results may vary. Testimonials reflect personal experiences and are not a guarantee of similar outcomes. All mortgage transactions are subject to credit and property approval.