The Jaffe Team includes David Jaffe, Jed Herman, and Holly St. Germain. We are a mortgage planning team with offices in Westlake Village and Oxnard, CA. Our team is led by David Jaffe with more than 25 years of industry experience and over $3 billion in closed residential mortgages. To say we know mortgages is an understatement!
Our job is to ensure that our clients get the best mortgage for their particular situation. Unlike an 800 number call center which may be a thousand miles away, we are local and available. We take the time to understand our clients’ needs.
The difference in our approach is significant. Call us and see how The Jaffe Team’s advantage could become your advantage!
Our team is passionate about providing exemplary service to clients, the same care we would expect ourselves. We utilize over 30 years of experience to provide a plan from the initial consultation with you through the complex mortgage lending process. The Jaffe Team is ONLY satisfied with our work when you are.
We begin with developing a plan based on your financial goals, your desired needs for a home, and the geographical parameters you aspire to for your new neighborhood. The education we provide up front will help navigate through the paperwork and process to make your home search smooth. Our vision is to partner with you each step of the way to make sure the end result is celebrating your move in day.
We are different—different from a retail bank. We offer a variety of products providing the flexibility you will NOT find with other lenders. Our team is expert at reviewing your plan and matching the RIGHT loan product for your unique needs. The Jaffe Team advantage includes effective planning, partnership throughout the process, and a desire to make your transaction uncomplicated and worry free. We will not rest until you have the keys to your home!
The Jaffe Team is special. Why? We have successfully helped close more than 8000 loans over 25 years. This includes experiencing the highs and lows of the mortgage industry, We use that vast experience, industry knowledge, and an passion for helping our clients in each transaction.
Our goal is to start the planning process with you at the beginning—advising and consulting you throughout the journey. This makes us different. We're not just providing a loan. We're providing you the road map to successful home ownership and becoming part of your home buying team.
Other just want you to "sign here" for your loan. We want to be your partner for this transaction, and for life. Our clients are our friends—providing references and referrals for years to come. We know what it takes to earn that referral—and we do it.
The team is led by David, who is married with two children. He enjoys sports, triathlons, and loves to travel. His favorite place to travel?—anywhere! David especially enjoys the tropics. David is involved in charities and enjoys giving to organizations that help people help themselves.
Holly St. Germain is a team partner that hails from New Jersey, eventually making her way West. She is married with a son and daughter. She enjoys running, reading, fashion related “anything”, and spending time with friends and family- particularly if it includes the beach!
Jed Herman has been working with David for over 14 years. Jed is married with three children and moved to California from the east coast in 1996. His passions include travel, live music, and keeping with the team theme, the tropics and anything beach related.
Our client was a first time homebuyer and was tired of throwing away money on rent. They had enough for a 3.5% down payment using FHA financing but didn’t want to pay Mortgage Insurance for the life of the loan. FHA does not allow removal of mortgage insurance regardless of equity for the life of the loan.
We were able to get them qualified for a conventional 3% down loan that had the ability to remove Private Mortgage Insurance (PMI) down the road. This enabled them to put less money down and have their payments drop when the PMI came off. In addition, we provided solutions to get the PMI removed earlier than the scheduled date saving them even more money.
Moral of the story
Who do you know that is looking to purchase a home and needs great advice? If you know someone, please email us their name and situation. We will ensure they get the excellent service they deserve. Work with a team that has 26 years experience and has closed over $3 Billion in mortgage loans—knowledge and experience count.
We are an integral part of the service element of your loan because of our customer-for-life philosophy. WE CARE about our relationship with our clients and have a professional team to help guide you through the ins and outs of mortgage financing..
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