Jeff Jaye, your Upfront Mortgage Professional – (UMP), is a California Bureau of Real Estate licensed mortgage loan officer since 1989 and has his National Mortgage License since 2010 which includes all State and National Education currently up to date. Recipient of the first ever Certified Loan Officer (CLO)issued by Professor Jack Guttentag ( the Mortgage Professor) in the US in 2014.
Jeff has successfully originated over 4600 residential home loans over the past 24 years with a 100% approval rate and a 99.89% closing ratio over that time. He has closed over $1,000,000,000 in home loans consisting of purchase, refinance, and construction type financing. Jeff was named the 1999-2000 “Mortgage Broker of the Year” by the California Association of Mortgage Brokers (CAMB)
He holds the title of Past President for the California Association of Mortgage Brokers (CAMB) East Bay Chapter which during his tenure was named the fastest growing local chapter in the United States by NAMB for the 1999-2000 term. Jeff has been asked to participate on panels with local State Senators, DRE commissioners and Congressional members in Washington D.C. on mortgage related policy sessions over his career.
Jeff is the featured “Mortgage Expert’ on KCBS 740am in the Bay Area on mortgage related issues and topics and has spoken at mortgage conventions in over 20 States and Internationally as the Keynote Speaker at the New Zealand Mortgage Brokers National Conference.
Co-founded and past President of the Nationally recognized “UPFRONT MORTGAGE BROKERS ® ASSOCIATION” with Professor Jack Guttentag from the Wharton School of Business. The Upfront Concept enables consumers to obtain guaranteed loan programs with no hidden costs or fees. Jeff has instituted for his UMP clients the UMP 10 Point Plan which gives his clients outstanding benefits not traditionally seen in the retail mortgage loan origination arena. He closed over 600 loans in California for families since co-founding that program almost 11 years ago.
Read this article about Jeff’s work can also be found here:
He has been featured as an author and contributor in Origination News, National Broker Magazine, Mortgage Press, Broker Magazine, Mortgage Originator Magazine, and sat on the editorial board of Midwest Mortgage Magazine. Jeff has served as a Board Member or volunteer for the past 17 years in local Little Leagues and Youth Soccer organizations as well as the Boy Scouts. Has been a volunteer asst coach for past 6 years for men’s and women’s soccer programs at California, San Ramon Valley and Dougherty Valley High Schools and works as a volunteer admin director for USSF National Team staff coaches for the US Soccer Market Training Centers on the West Coast for 4 years. Also, developed and teaches a Youth Sport Parent seminar series on creating better youth spots parents. Married to Barbara and father of 4 children Tyler, Dallas, Spenser, and Noah.
- Passed the National Mortgage Licensing System State and National Education tests -May 2010 #216715
- Board of Directors – Upfront Mortgage Brokers Assn. Co Founder 2010
- Founder Upfront Mortgage Professionals
Contract with Client
- Via email and phone 24/7 Face to face meetings at home and in office
Third Party Fees
- Fee negotiated on case by case loan scenario basis. Free appraisal and credit for all UMP clients at close of escrow. No upfront fees!