Jayne Combs, Mortgage Analyst and Strategist (Arbor Financial) Mortgage and Lending



Jayne Combs
Mortgage Analyst and Strategist
location_on Pleasant Hill, CA — Arbor Financial
NMLS#222444 DRE#01231515
Get to Know Jayne Combs

Originating from the picturesque landscapes of Southern California, my journey has led me to establish roots in the captivating East Bay region, all due to the fortuitous encounter with my now-husband. A proud mother, I cherish the bonds of family as my daughter embarks on her own marital voyage.

My abode is shared with three canine companions, all of whom I've gratefully welcomed into my home through rescue efforts, reflecting my profound commitment to supporting and safeguarding the lives of these loyal companions.

Beyond my devotion to animal welfare, my heart finds fulfillment in another realm - within the embrace of my church community. Channeling my energies into the media and production sphere, I find purpose in volunteering, contributing to the seamless orchestration of our spiritual experiences.

Venturing into the past, my history encompasses a notable chapter as a youth soccer coach, a role I wholeheartedly embraced for an impressive span of 15 years. Guiding and nurturing young minds through the intricacies of the sport was both a privilege and a passion, encapsulating the essence of meaningful engagement with the younger generation.

Yet, the cornerstone of my existence revolves around a profound sense of purpose derived from serving God and humanity. This spiritual connection permeates every facet of my being, fostering an enduring sense of tranquility and elation that infuses every pursuit in my life.

In encapsulating my narrative, I invite you to explore the dimensions that define me - from my diverse interests and commitments to my enduring dedication to fostering connections, both human and animal. Each facet of my journey contributes to the mosaic that shapes my identity, and I welcome the opportunity to connect and share these multifaceted layers with you.


NMLS License #222444

DRE #01231515

CalHFA Certificate

Divorce Planning Certification





With an illustrious career spanning over 38 years in the mortgage industry, I bring a wealth of expertise and insight as a seasoned Loan Officer. Throughout my journey, I have consistently demonstrated my dedication to fostering excellence in client services.

My approach is rooted in the art of active listening, a quality I hold in high regard. This, coupled with my strong communication skills, enables me to truly understand my clients' needs, aspirations, and financial goals. As a proficient problem solver, I am adept at navigating complexities and finding tailored solutions that align with each client's unique circumstances.

What sets me apart is my ability to think beyond conventional boundaries. I pride myself on my capacity to devise innovative strategies, leveraging my "out of the box" mindset to unearth opportunities that others might overlook. My commitment to staying ahead of industry trends ensures that my clients benefit from the latest insights and best practices.

As a seasoned professional, I am not just a Loan Officer; I am a trusted partner on your financial journey. My mission is to empower my clients with the information, guidance, and strategic support they need to make informed decisions that shape their financial futures. With my extensive experience and passion for excellence, I am dedicated to delivering results that exceed expectations.

Join me on this journey towards financial success. Let's work together to turn your mortgage aspirations into reality.

Ben Baez
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.
Absolutely the best experience with Jayne! 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.
Randy S
Jayne was great she kept me abreast all through the process. She would always make sure I understood the what was going on. She is very thorough and quick to explain anything I didn't understand. Jayne is very at tentative to my needs. Jayne makes things works
Jonathan M
Jayne Combs,I am completely satisfied with the care and time I know that on my situation is really hard to buy home even I have previous foreclosure and different kind of bad credits, but Jayne she make more extremely easy, she were very helpful. It can be very overwhelming and I had tons of questions. Jayne was always there right away to answers all the questions I had and explained the whole process to me in detail to make more easy. With me and my family were very thank full Jayne Combs
Daisy Vasandani
We closed on time!!!
Steven Calzada
This was our fourth home purchase and was the best experience we have ever had purchasing a home. The staff was knowledgeable, curteous, and responsive to our needs. I love our new home and the service received from Jayne and her staff.
Lara Calzada
As always, Jayne and her team were very professional and knowledgeable.
Julian McAdams
Jayne and her assistant Diana made this process of becoming a home owner extremely easy they were very helpful. There were times where I became frustrated with the process of gathering required documents Jayne kept me on track. I truly thank you and appreciate all the help you have given to me and because of you I am now a homeowner. Great Team!♡"
Timothy Clifford
From the first phone call to Jayne we were immediately pleased. She provided us with clear information and options regarding our home purchase. Although the mortgage process can be a bit cumbersome, the process was made quite simple through the online upload options and realtime updates. Jayne's assistant Diane was essential to the process as she maintained communication and updates regularly. Thank you all for demonstrating such professionalism and placing high value on clients. Certainly there were many people involved (some of whom we failed to mention), who played a pivotal role in facilitating a seamless and expedited process. We are forever grateful.
Vanessa Kelch
I called my then current mortgage company to refinance my home so I could pull out cash but was told that I couldn't pull out as much money as I wanted. One call to Jayne was all I needed. She researched and found a product that worked perfectly for me and got me the cash I needed. In addition, Jayne was always available and kept me in the loop the whole time. I never wondered what was going on or where I was in the loan process. I will never shop around again, Jayne will always be my first call when I need a mortgage loan.
Joy Murphy, Realtor
Jayne is a fantastic Lender to work with. She is well versed with all the various loan programs available. She stays on top of her transactions and communicates to both my clients and myself during the entire process, which to me is the most important thing. I always appreciate working with Jayne, and I know I can rely on her to get the job done.
John Grindey
My wife and I have known Jane for more than 25 years. She has assisted us with several home purchases, as well as refi's. Jane is a consummate professional who's service is above and beyond expectations. Jane takes the worry out of the entire process and is in constant communication with you during the transaction. Even better is her communication AFTER the entire transaction is completed, which is true customer service. Jane's use of current technology is fantastic, so much so, in our recent purchase, our realtor was extremely impressed with the technology and communications utilized by Jane. We highly recommend Jane as your go-to long term loan officer.
Mayra Alvarado
My husband and I were so nervous to start the process of buying our first home. Jayne was amazing! She took her time and walk us through every step and had us get ready before we even got start it. She was super patient with us because believe we had tons of questions and that was pretty much on every document we had to sign. But still then, she was always so willing to explain and go over anything we weren't sure about. Overall we give Jayne and her team an A++ They were awesome and the whole process was done super fast. Now we have our first home and we love it. Thank you, Jayne & her team. Super happy with their service. Definitely, will work with them again and highly recommended!

Seasoned Loan Officer with over 39 Years of Mortgage Expertise | Strategic Problem Solver | Innovative Thinker | Dedicated to Client Success