Debby Pearson

I’ve spent over three decades in the mortgage industry, and I’ve seen it evolve from fax machines, carbon copies, and hand-calculated APRs into the complex, fast-moving landscape it is today. With so many programs, regulations, and variables—did you know there are an average of 10 factors that influence your interest rate? Having a steady, experienced guide matters more than ever.

I’ve been a lender for more than 30 years, and I’m known for my tenacity, consistency, and refusal to quit on my clients. I bring a calm, determined presence to every transaction, especially when challenges arise. My role is to help you navigate the lending journey with clarity, confidence, and steady progress all the way to closing.

One thing that truly sets me apart is my team. I’ve worked with the same processor, underwriter, and closer for nearly 20 years, which is almost unheard of in this industry. You’re more likely to have a Bigfoot sighting than find another loan officer with that level of continuity. That consistency means better communication, smoother transactions, and fewer surprises for my clients.

I thrive on challenges and enjoy accomplishing goals that others might call “crazy.” Over the years, that drive has fueled some incredible personal achievements:
2x Ironman Triathlon finisher
3x international Taekwondo competitor (Russia, Canada, Australia)
Solo hiker of Vermont’s Long Trail (273 miles)
Solo motorcycle ride from Boulder, CO to the Arctic Circle (Inuvik, Canada)
Hoka Hey Motorcycle Challenge endurance rider: 10,000 miles in 10 days, 11 hours (8th place)
Captain of the equestrian team at the University of California, Davis

That same mindset shows up in how I serve my clients. I apply tenacity to problem-solving, patience to overcoming hurdles, and relentless follow-through to ensure each loan reaches the finish line, on time and with confidence.

I’m proud to be supported by Guild Mortgage, a company founded in 1960 that specializes exclusively in home financing. Guild offers a wide range of options, including first-time homebuyer programs, investment loans, Jumbo loans, zero down payment options, bridge loans, bank statement programs, second homes, and Flex Payment Loans (reverse mortgages). Guild also services a large portion of the loans it originates, providing long-term consistency for clients.

For most people, a home is their largest financial asset. That’s why experience, and the right lending team, matters. My team and I are here to stand beside you, stay the course, and help you reach your home financing goals with clarity, persistence, and encouragement every step of the way.