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Turning Homeownership Dreams into Reality for Over a Decade

Expert Advice and Personalized Service for Every Homebuyer

About me

With more than ten years in the mortgage industry, I've been passionate about this field for much longer, inspired by my mom's 25-year career helping families find their homes. I focus on being open and honest, educating my clients, and working closely with their realtors to help get their offers accepted. I often help realtors save tough deals and find ways to make things work. I know how stressful buying a home can be, so I aim to make the process as easy and clear as possible. Helping people in my community find the homes they need and deserve is what keeps me going. My goal is to be your "lender for life."

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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.

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Testimonials

Testimonials
4.99 out of 5.0 stars
5.0
4.96
5.0
Anne
Feb 24, 2025
Northridge, CA
Verified

Top notch professiona! Jacky is the real deal. I'm in my 36th year as a Realtor and was so impressed with how Jacky can make it all work. Buyers are always kept informed and knowledgeable of the process. Buyers were very satisfied. I will refer Jacky in the future.
Kelly T
Jul 15, 2024
Verified

If you want a lender who can make things happen that seem nearly impossible, look no further than Jacky Gaer of Guild Mortgage!!! Her experience and knowledge in the mortgage industry literally saved the deal for my clients. The buyers of their home were hitting road block after road block with their original lender. And if those buyers couldn't get the financing to purchase my client's home, then my clients would not be able to move forward on purchasing their next home. It was the 11th hour, and it was not looking positive. So, we made the decision to connect the buyers with Jacky because we knew she had saved other deals in the past for our teams' clients. Jacky took over the case, had the buyers approved in a couple of days, and we were able to close within the week!! She definitely went above and beyond once again to save another deal, and make two sets of buyers very happy!! I know who I will be referring my clients to from now on!!
felicia k
May 31, 2024
Verified

As a Realtor who has had experience with multiple lenders, I can tell you that Jacky works above and beyond. She got our client into a home in such a short time frame allotted to us. During that time crunch, she maintained an amazing professionalism, was prompt, straightforward, and compassionate the whole time. I would absolutely recommend her to my friends and family! You won’t regret working with her as your #1 lender.
Jevonne
May 28, 2025
Verified

Jacky Gaer made a dream come true after the tragedy of the January 2025 wildfires. Jacky demonstrated that all superheroes don’t wear capes. Jacky literally swooped in at the 11th hour and saved the deal that would allow my family to have a new home after the Eaton Fire destroyed our family home of 50+ years. This quaint, charming home will allow my family to create new memories in a neighborhood that is nostalgic, yet new. Every time I drive up to this home, I still can’t believe it’s mine. Heartfelt gratitude to Jacky Gaer and Guild Mortgage from me and my family. Jacky treated us with a generous measure of sensitivity and urgency, communicating and expertly guiding us quickly through the loan approval process to save our deal quickly! Keep up the great work, Jacky!
Kari
May 23, 2025
Verified

Jacky and her team were absolutely amazing to work with. Jacky provided a wealth of knowledge and made me feel so comfortable throughout the loan process. I would highly recommend Jacky at Guild Mortgage for lending services. I can’t wait until we can refinance or buy another home so we can use her services again! Thank you Jacky. 💕
Kim R
May 19, 2025
Verified

ROCK STAR Loan Agent EXTRAORDINAIRE!!... Thank you Jacky for lending your years of experience to saving a troubled loan that we absolutely had to close in 10days!!.. She did just That!!. I literally can not say enough about how she saved the day. She kept me informed on each step along the way. My buyer is so excited to have her keys to her.... forever... dream home. I will definitely call Jacky for any lending needs. Thank you so much.

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NMLS ID #1157463
I am authorized to do business in the states of California, Idaho, Nevada and Oregon. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act; NV Mortgage Company #1141; OR ML-176;