Sr. Mortgage Advisor

Jayne Denise Combs

Sr. Mortgage Advisor NMLS# 222444 Licensed in CA

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(661) 965-0088 jayne.combs@preferredrate.com

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.

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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

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

Alexis G

Jayne is absolutely amazing!!

Jul 02, 2020

Patricia Z

Excellent customer service. Perfect mortgage advisor. Jayne Combs went out of her way to make sure everything went smoothly and promptly. Made the experience go flawless. Would highly reccomend.

Jun 23, 2020

Steven C

It was very easy for me because you guys took care of everything, excellent job. thank you

Jun 20, 2020

ALESIA J

Jayne Combs is awesome she helped me get into my home with very little to no money down. Now she has assisted me in refinancing my home with a very good interest rate.I'm very pleased with her work and will recommend her to anyone looking to purchase a home. Thanks Alesia Johnson ... Read More

Jun 15, 2020

equal housing opportunityNMLS CONSUMER ACCESS LINK: NMLS #1850

© 2021 American Pacific Mortgage Corporation. For informational purposes only. No guarantee of accuracy is expressed or implied. Programs shown may not include all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions may apply. Equal Housing Opportunity.

Licensed by the Dept. of Business Oversight under the CRMLA.

Licensed as Preferred Rate in AL, CA, CO, FL, GA, IL, IN, KS, KY, LA, MA, MD, MI, MO, MS, NC, OR, TN, TX, VA, WA, and WI. Preferred Rate operates under American Pacific Mortgage in AZ and NV. AZ Corp BK 0906702. CA DRE #01215943. Regulated by the Colorado Division of Real Estate. Georgia Residential Mortgage Licensee. NV MB 2941/164. Licensed under the Oregon Consumer Finance Act.

Licensed by the Illinois Department of Financial & Professional Regulation, Residential Mortgage License # MB.6761304 | James R. Thompson Center | IDPR – Residential Mortgage Banking | 100 West Randolph St, 9th Floor | Chicago, Illinois 60601 | (844-)768-1713

Licensed by the Department of Financial & Professional Regulation, Residential Mortgage License # MB.6761304

The Department of Financial and Professional Regulation (Department) evaluates our performance in meeting the financial services needs of this community, including the needs of low-income to moderate-income households. The Department takes this evaluation into account when deciding on certain applications submitted by us for approval by the Department. Your involvement is encouraged. You may obtain a copy of our evaluation. You may also submit signed, written comments about our performance in meeting community financial services needs to the Department." (Source: P.A. 101-657, eff. 3-23-21.)

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIALMORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.”