Jayne Denise Combs
Sr. Mortgage Advisor NMLS# 222444 Licensed in CA and NV
1732 Jefferson St. Suite #6
Napa, CA 94558
Branch License #1961967
About Jayne Denise Combs
Your mortgage is personal, and I understand that.
Jayne Combs currently resides in Northern California near San Francisco. She grew up in Southern California in the San Fernando Valley. She is married and has one daughter and 3 rescue dogs.
Jayne began her career in the mortgage industry at Great Western Bank in 1984. She worked in various positions and in 1999 she became a loan advisor. She loves to help and educate people and has taught classes for Realtors and PE and CE classes for loan officers getting their NMLS licenses. She feels knowledge is the power that can help you to make the right decision. This is why Jayne works with a lot of first-time homebuyers. She will take the time to listen and explain what their options are.
Jayne also volunteers at her church as a Children's Ministry Leader, Social Media Leader, and Community Outreach Director.
We keep the mortgage process easy
Buying a new home can feel like everything at once: Exciting, overwhelming, stressful, and even emotionally taxing.
Whether this is your first home, your next home, or you’re thinking about refinancing, we’re ready to walk with you every step of the way.
-
Step 1 Connect with a Loan Expert
-
Step 2 Get Pre-Approved
-
Step 3 Make Offers
-
Step 4 Lock in your Preferred Rate
-
Step 5 Move in to your new home
-
Step 1 Connect with a Loan Expert
-
Step 2 Lock in your Preferred Rate
-
Step 3 Get your new loan approved!
Buying a new home can feel like everything at once: Exciting, overwhelming, stressful, and even emotionally taxing.
Home Loans
-
Fixed-rate Mortgages
-
Adjustable-rate Mortgages
-
Interest-only Loans
-
Jumbo Loans
-
FHA
-
VA Loans
-
USDA Loans
-
Reverse Mortgages
Speciality Products
-
Keys On Time Program
-
Secure Lock Program
-
Jumbo Investor Loan Programs
-
Peak Loan Program
-
High Balance Solutions
-
Jumbo Solutions
-
Home Ready
-
Home Possible Advantage
-
STaR Program for First-Responders
-
Doctor Program for Medical Professionals
-
Manufactured Housing Loans
See what Jayne's clients have to say
Benjamin B
Jayne has been my brother's (who is a Real Estate Broker) go to for his client's mortgage needs for years. She has helped many home buyers during that time. When my best friend went to purchase a short sale home, she went with Jayne. The short sale was complex and took a lot longer to complete, but Jayne helped her through it all. Due to a change in marriage and wanting to live close to my kids and work in the SF Bay Area, I was forced into taking on a risky home acquisition through an auction. With all the challenges and looming deadline Jayne was able to help me cross the finish line on the final day. I would highly recommend Jayne for your mortgage needs. ... Read More
Sep 21, 2022
Casey B
Jayne and her staff made the loan process seamless. They were transparent throughout, so they were no surprises at the end. Their team is professional and precise! I would highly recommend using Preferred Rate for any of your loan/lender needs. You wont be disappointed! ... Read More
Jul 13, 2022
South O S
Jayne helped my wife and I purchase our first home and she worked hard to get us the best rate. She was very professional and kept us informed during the whole process. She is very helpful and kind and was always checking in to make sure we felt comfortable with every aspect of the loan process. ... Read More
May 07, 2022
Mary Rose T
Excellent service. Immediate response to questions. Constant updates on progress.
May 18, 2021
Marina S
It was a great working with Jayne. She was available to answer all my questions through this process. She was professional and personal at the same time.
Feb 12, 2021
Danielle S
Jayne is the absolute best! She made our fist time home buying experience amazing! It was a breeze & she guided us every step of the way. She didn't only help with the required paperwork & documents we needed to complete, but also provided insight & great advice on what we needed to look out for as first time buyers as well as the different opportunities that may arise. We wouldn't have been able to do it with out her. Highly recommended!! So thankful for her & her amazing team that helped us get our first home. ... Read More
Nov 17, 2020
Shayna L
Very helpful, patient and knowledgeable. Our situation was unique and Jayne happily tackled each road block professionally and stuck it out with us. We couldn't have done it without her!
Nov 10, 2020
Louise C
We are very happy with the outcome. You did an excellent job. Well done. A++++++. Thanks!
Oct 31, 2020
Travis S
Jayne is great. She made my home buying process easy. Answered all my questions. Thank you! Thank you !
Jul 28, 2020
