Mortgage Banker and direct lender based out of the San Francisco Bay Area. Positive and strategic thinker with over 25 years of experience in credit, finance, and real estate.
Get to know Janet Guilbault
I’m Janet Guilbault, and my passion is helping people own California real estate.
Owning real estate is more than just the numbers attached to the mortgage. It is the cornerstone of wealth and happiness for most people.
Property ownership (especially your own home) is a very big deal, no matter who you ask. Buying real estate in California can be challenging. I’m here to make it easier, faster, and more understandable.
In a world of impersonal buying, I operate differently. I want a personalized relationship, with communication flowing (even long after your loan has closed).
Together, we can navigate all the financial aspects of real estate ownership brilliantly.
If you are a future owner, a mortgage preapproval with me means that:
1. You have a ticket to get into the game. You are offer ready. You are the best buyer.
2. You can attract the best Realtors.
3. You will impress the pants off of sellers in a competitive situation.
4. Your preapproval is attached to a local mortgage professional who will advocate on your behalf
5. You will know exact payments, and cash required to close the loan
If you already own real estate, a mortgage review with me means that:
1. You can have 100% confidence that your mortgage is optimized to match your financial goals.
2. You can take advantage of lower rates as the market changes.
3. You will have the ability to access your equity as your home appreciates by taking cash out
4. You can remove mortgage insurance when the time is right
5. You can shorten your term or choose a different type of loan if your financial situation has changed
I invite you to apply easily and securely online. Or please contact me directly via text, phone, or e-mail. I look forward to working with you to make your ownership experience the best it can be, and am never too busy to talk.
After all, every real estate transaction deserves a happy lending.
Janet Guilbault's Blog Posts
NMLS # 238304
My biggest award is the reward of you landing the California property of your dreams.
Self Employed Borrowers: Qualify Using Bank Statements
Investor Loans : Qualify Using Rental Payments
Highly Competitive Offers: Complete, Compelling, and Superior Pre-Approvals
Jumbo Loans for Luxury Properties
Second Homes: Northern California Beaches, Wine Country, Gold Country, and Ski Areas
First Time Home Buyers Buying in High Cost Areas
Mobile Phone Applicants Using Our Platinum Phone App