BIO
Jeff Jaye, your Upfront Mortgage Professional – (UMP), is a California Department of Real Estate licensed mortgage loan officer since 1989 and recently passed the 2010 National Mortgage Licensing System’s State and National Education tests (May 2010).
Jeff has successfully originated over 2600 residential home loans over the past 20 years with a 100% approval rate and a 99.89% closing ratio over that time. He has closed over $750,000,000 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 is also a past State Director and the past Co-Chair of the CAMB Statewide Affiliates Panel. Jeff regularly is asked to participate on panels with local State Senators, DRE commissioners and Congressional members in Washington D.C. on mortgage related policy sessions.
Jeff is the featured “Mortgage Expert’ on KRON TV Channel 4 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 new UMB program enables consumers to obtain guaranteed loan programs with no hidden costs or fees. Jeff has instituted for his UMP clients the UMP 6 Point Plan which gives his clients outstanding benefits not traditionally seen in the retail mortgage loan origination arena. He closed over 500 loans in California since co-founding that program almost 9 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 for 6 years at the San Ramon Soccer League, an AGC on the Mustang Soccer Club, and the California Youth Soccer Association – North-Board as well as volunteered for the Boy Scouts and Local Little Leagues. Married to Barbara and father of 4 children Tyler, Dallas, Spenser, and Noah.
Organization Affiliations
- Passed the National Mortgage Licensing System State and National Education tests -May 2010 #216715
- Member Good Standing- California Association of Mortgage Professionals & National Association of Mortgage Brokers
Contract with Client
- Via email and phone 24/7 Face to face meetings at home and in office
Technology Employed
- latest 2010 upgrades
Locking Procedures
- Free 45 day locks, Free Rate Roll Down Option for all UMP clients from lock date till signing date
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!
