Quick Application - This is a very short application that takes about 5 minutes. It is sufficient to start the application process but will require follow up questions via telephone or email.

Full Application - This is a very detailed application that takes about 15 minutes and is preferred over the Quick Application if you have the time. The government monitoring section is voluntary.

HUD Settlement Booklet - this is a 49 page government resource for home loans. If you are considering an adjustable rate mortgage, you may access the HUD Consumer Handbook on adjustable rate mortgages here - HUD CHARM Booklet.

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Gail was born in Laguna Beach California and migrated up to northern California at a young age. She currently resides in Marin County with her son. She has been in the mortgage business for over 20 years and has been in the finance industry for 23 years - giving her wide range of customer service experience. Her clients are a top priority to her and she takes pride in her work on every level from beginning to end. Honesty, knowledge and being dependable are a key in the loan business and in everyday life for Gail.

Gail volunteer’s at her child’s school and sports programs.  Along with spending time with her son, she enjoys working out and spending time with good friends.

Whether you are purchasing or refinancing, buying a second home or income property, Gail will assist you with all your mortgage needs.

Quick Application - This is a very short application that takes about 5 minutes. It is sufficient to start the application process but will require follow up questions via telephone or email.

Full Application - This is a very detailed application that takes about 15 minutes and is preferred over the Quick Application if you have the time. The government monitoring section is voluntary.

HUD Settlement Booklet - this is a 49 page government resource for home loans. If you are considering an adjustable rate mortgage, you may access the HUD Consumer Handbook on adjustable rate mortgages here - HUD CHARM Booklet.

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Gail was born in Laguna Beach California and migrated up to northern California at a young age. She currently resides in Marin County with her son. She has been in the mortgage business for over 20 years and has been in the finance industry for 23 years - giving her wide range of customer service experience. Her clients are a top priority to her and she takes pride in her work on every level from beginning to end. Honesty, knowledge and being dependable are a key in the loan business and in everyday life for Gail.

Gail volunteer’s at her child’s school and sports programs.  Along with spending time with her son, she enjoys working out and spending time with good friends.

Whether you are purchasing or refinancing, buying a second home or income property, Gail will assist you with all your mortgage needs.