Your Central Coast Mortgage Lender
With more than 25 years in the mortgage industry and a background in underwriting, Phoebe Jaeckels brings a deeper level of experience to every home loan. She helps buyers throughout California’s Central Coast understand their options, prepare confidently, and move toward closing with a lending strategy built to hold up from the start.
25+ YEARS IN MORTGAGE LENDING
She knows what Happens After You Submit the Loan
With more than 25 years in the mortgage industry, including a background in underwriting, Phoebe Jaeckels brings experience, strategy, and a deeper understanding of the lending process to every client she serves.
As a Senior Loan Officer with Movement Mortgage, Phoebe helps homebuyers throughout California’s Central Coast navigate FHA, VA, conventional, jumbo, and non-QM loans, as well as refinancing and other mortgage solutions. Rather than taking a one-size-fits-all approach, she takes the time to understand each client’s financial goals and build a mortgage strategy around where they are today and where they want to go.
Phoebe’s underwriting experience allows her to look beyond simply quoting a rate. She works to identify potential challenges early, strengthen approvals, and help clients move from pre-approval to closing with fewer surprises.
Education is also an important part of Phoebe’s approach. Through personalized guidance and free workshops on budgeting, credit building, and mortgage basics, she helps buyers better understand their finances and feel confident in the decisions they’re making.
Above all, Phoebe believes mortgage lending should feel transparent, personal, and empowering. Whether someone is buying their first home, using a VA loan, moving up, refinancing, or navigating a more complex financial situation, her goal is to make sure they understand their options and have an experienced team beside them every step of the way.
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Do the Work Upfront
Make the Offer Stronger
Look Deeper
Phoebe's underwriting background helps her see beyond the numbers on an application and anticipate what may come up later.
Communicate Clearly
Mortgages are complicated enough. Phoebe makes sure her clients understand their options and know what's happening throughout the process.
Stay Competitive
From loan structure to rates, Phoebe works to find competitive financing that fits each buyer's individual situation.
Keep It Moving
Doing more work upfront can mean fewer surprises once you're under contract and a smoother path toward closing.
Local knowledge. Relationships that matter.
Phoebe and her team serve homebuyers throughout the Central Coast, from Santa Barbara and Santa Ynez to Santa Maria, San Luis Obispo, Pismo Beach, Arroyo Grande, Paso Robles and surrounding communities.
But local lending is about more than knowing the market. It's about being available when an offer needs to go in, communicating with agents, understanding the nuances of the transaction, and having people you can actually reach when something matters.
A small team that's with you all the way home.
