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Select from hundreds of loan products tailored to your needs

Jeff Spoelstra

Loan Officer

155 East Main Avenue, Suite 170, Morgan Hill, CA 95037
Own what matters

Meet my team

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I work closely with my team of specialists to get you the financing you need. See what each member brings to the team.

Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Conventional

Conventional

A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.
Down payment assistance

Down payment assistance

If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.
Jumbo

Jumbo

Jumbo loans offer larger loan amounts than most other loan programs. These loans are a great option if you’re looking to buy a more expensive home and have a great credit score and strong financial situation.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

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Testimonials

Testimonials
5.0 out of 5.0 stars
5.0
David
Nov 26, 2022
Verified

As a real estate agent I only partner with mortgage lenders that I can trust with my client's financial goals. Jeff does a great job listening to the buyers and providing solutions tailored to their needs without over-extending them. As a result my clients are happy and it makes their home buying experience that much more pleasant. Thanks Jeff for going above and beyond every time!
David C
Nov 08, 2022
Verified

As a real estate agent, I only partner with mortgage lenders that I can trust with my client's financial goals. Jeff does a great job listening to the buyers and providing solutions tailored to their needs, without over-extending them. As a result, my clients are happy and it makes their home buying experience that much more pleasant. Thanks Jeff, for going above and beyond, every time!
Soren
Jul 13, 2022
Verified

It has been a pleasure to work with Jeff. He conducted the loan application process very well and his way of communicating was excellent!
RJ
Feb 15, 2022
Verified

Excellent! Jeff is a pro gives rational and solid advice lays out what to expect in the process and from lender.
Marisa
Jan 19, 2022
Verified

Just purchased a home about a month ago it was a very stressful time before we met Jeff from guilt Mortgage he was able to make it happen and worked with us closely every step of the way always answered our questions and concerns we are very happy and thankful we got the opportunity to work with Jeff. Thank you Jeff!!
Andrew
Apr 28, 2021
Verified

Jeff was a great loan officer to work with. As a first time home buyer I had a ton of questions and he had no problem answering them all. I would definitely recommend his services and will definitely be coming back to refinance my home in the future.

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NMLS ID #1657141
I am authorized to do business in the state of California. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act;