Jayne Combs NMLS#222444, Sr. Mortgage Consultant (Preferred Rate Partnered with American Pacific Mortgage #1850)

1732 Jefferson Street

Suite 6

Napa , California 94559

I am a licensed Mortgage Loan Officer in the State of California. We are a direct lender and we have processing, underwriting and funding in our branch!

Get to know Jayne Combs NMLS#222444

I  grew up in Southern California but now live in the beautiful East Bay after meeting my now husband.  I have one daughter who is married.  I currently have 3 dogs, all are rescues.  I am active in church as the Gen Outreach Director and Production Manager. 

When it comes to work, I have been in the business since 1983 in one capacity or another.  Since 1999, I have been a loan officer.  Because I love helping people and believe knowledge is power, I also put on classes for Realtors and I am an NMLS instructor for Loan Officers.  

It's my passion to help people and that's why I find myself specializing in first-time homebuyers, credit challenged, turndowns,  and our Veterans who have sacrificed so much for our country.  

If you have a mortgage need or have some questions, please never hesitate to reach out to me.  

Have a great day!

Equal Housing Opportunity

Licensed by the Dept of Financial Protection and Innovation under the CRMLA

NV MB 2941/164

Jayne Combs NMLS#222444's Blog Posts


NMLS License #222444

BRE #01231515

Instructor for NMLS Licensing



I love to educate my buyers, especially first-time homebuyers when it comes to mortgage loans.   It's a huge purchase and I will take the time to answer and explain any questions they have.  

Testimonials for Jayne Combs NMLS#222444

  • Randy S

    Jayne was great she kept me abreast all through the process. She would always make sure I understood the what was going on. She is very thorough and quick to explain anything I didn't understand. Jayne is very at tentative to my needs. Jayne makes things works

  • Jonathan M

    Jayne Combs,I am completely satisfied with the care and time I know that on my situation is really hard to buy home even I have previous foreclosure and different kind of bad credits, but Jayne she make more extremely easy, she were very helpful. It can be very overwhelming and I had tons of questions. Jayne was always there right away to answers all the questions I had and explained the whole process to me in detail to make more easy. With me and my family were very thank full Jayne Combs

  • Daisy Vasandani

    We closed on time!!!

  • Steven Calzada

    This was our fourth home purchase and was the best experience we have ever had purchasing a home. The staff was knowledgeable, curteous, and responsive to our needs. I love our new home and the service received from Jayne and her staff.

  • Lara Calzada

    As always, Jayne and her team were very professional and knowledgeable.

  • Julian McAdams

    Jayne and her assistant Diana made this process of becoming a home owner extremely easy they were very helpful. There were times where I became frustrated with the process of gathering required documents Jayne kept me on track. I truly thank you and appreciate all the help you have given to me and because of you I am now a homeowner. Great Team!♡"

  • Timothy Clifford

    From the first phone call to Jayne we were immediately pleased. She provided us with clear information and options regarding our home purchase. Although the mortgage process can be a bit cumbersome, the process was made quite simple through the online upload options and realtime updates. Jayne's assistant Diane was essential to the process as she maintained communication and updates regularly. Thank you all for demonstrating such professionalism and placing high value on clients. Certainly there were many people involved (some of whom we failed to mention), who played a pivotal role in facilitating a seamless and expedited process. We are forever grateful.

  • Vanessa Kelch

    I called my then current mortgage company to refinance my home so I could pull out cash but was told that I couldn't pull out as much money as I wanted. One call to Jayne was all I needed. She researched and found a product that worked perfectly for me and got me the cash I needed. In addition, Jayne was always available and kept me in the loop the whole time. I never wondered what was going on or where I was in the loan process. I will never shop around again, Jayne will always be my first call when I need a mortgage loan.

  • Joy Murphy, Realtor

    Jayne is a fantastic Lender to work with. She is well versed with all the various loan programs available. She stays on top of her transactions and communicates to both my clients and myself during the entire process, which to me is the most important thing. I always appreciate working with Jayne, and I know I can rely on her to get the job done.

  • John Grindey

    My wife and I have known Jane for more than 25 years. She has assisted us with several home purchases, as well as refi's. Jane is a consummate professional who's service is above and beyond expectations. Jane takes the worry out of the entire process and is in constant communication with you during the transaction. Even better is her communication AFTER the entire transaction is completed, which is true customer service. Jane's use of current technology is fantastic, so much so, in our recent purchase, our realtor was extremely impressed with the technology and communications utilized by Jane. We highly recommend Jane as your go-to long term loan officer.

    Service Areas (7)
    • Napa, CA
    • Walnut Creek, CA
    • Tracy, CA
    • Stockton, CA
    • Simi Valley, CA
    • Concord, CA
    • Las Vegas, NV
    • Antioch, CA
    Specialties (4)
    • Buyers
    • Residential
    • Lending
    • Down Payment Assistance Programs
    Languages (1)
    • English