Central Coast Mortgage Reviews | Phoebe Jaeckels
These are real mortgage reviews from homebuyers who worked with Phoebe Jaeckels, a Central Coast mortgage lender serving Santa Maria, Orcutt, San Luis Obispo, and Santa Barbara County. These reviews reflect real experiences with FHA loans, VA loans, first-time homebuyers, refinances, and move-up buyers.
⭐⭐⭐⭐⭐Rebekah S. — First-Time Homebuyer
Santa Maria, CAClosed September 2024
“Phoebe was such a pleasure to work with. Not only is she professional, but she takes the time to explain everything and answer all questions. Even when there were challenges in the loan process, she was reassuring and encouraging. She was always responsive and happy to accommodate me. I highly recommend her.”— Review originally submitted through a verified mortgage review platform
⭐⭐⭐⭐⭐ Chris S.
First-Time Homebuyer
CaliforniaClosed November 2025
“Phoebe’s positive energy, availability, professionalism, and knowledge of the lending landscape for first-time buyers like us was a perfect match. Her follow-up and follow-through were superb. She kept a cadence of urgency and excitement throughout the entire process. Buying a home in California can feel overwhelming, but this was about as streamlined and fluid as it gets. Phoebe and her team were top-notch. We love our new home and are thankful we worked with her. 10 out of 10.”
— Verified mortgage client review
⭐⭐⭐⭐⭐Kimberly D.
Refinance ClientAlpine, CAClosed November 2025
Phoebe is so knowledgeable and helpful. She was patient throughout the entire process and went above and beyond to provide us with the best loan experience. I highly recommend her and your company to friends and family. She is simply the best and wonderful to work with. We are so grateful for all her hard work to get our loan to the finish line. Thank you, Phoebe, for everything!”— Verified post-close refinance survey
⭐⭐⭐⭐⭐ Jessica S.
Mortgage Client
California Posted October 2025
“Amazing loan officer and amazing team.”
— Verified client review
⭐⭐⭐⭐⭐Amberleigh D.
Buyer’s Agent Partner Orange, CA
Closed October 2025
“You always over-perform for my clients. Thank you, Phoebe!”— Verified buyer’s agent post-close review
⭐⭐⭐⭐⭐Robert J.
Home Purchase Client Visalia, CA
Closed October 2025
“Phoebe is amazing!”— Verified post-close mortgage survey
⭐⭐⭐⭐⭐Monica R.
First-Time Homebuyer Tujunga, CA
Closed October 2025
“Phoebe Jaeckels’ approach is genuine and friendly. Her delivery of information is immediate and well informed. She was always available and welcomed our questions, whether they were about being first-time homebuyers or about financial concerns we needed to troubleshoot. It was wonderful to work with Phoebe and the team at Movement Mortgage.”— Verified post-close mortgage survey
⭐⭐⭐⭐⭐Joshua C. —
Home Purchase ClientSanta Maria, CAClosed July 2025
“Phoebe was not only knowledgeable and professional, but her tenacity and communication are second to none.”— Verified post-close mortgage survey
⭐⭐⭐⭐⭐Matt K.
Home Purchase ClientSanta Maria, CAClosed May 2025
“Phoebe’s knowledge and experience in the home loan industry is priceless. She eagerly helped me gather the necessary documents, clarified the language, and followed through to secure the financing I needed.”— Verified post-close mortgage survey
⭐⭐⭐⭐⭐Susan W.
Home Purchase ClientNipomo, CAClosed January 2026
Buying a home is exciting but also stressful. Phoebe and everyone associated with her were very friendly and helped make the process easy.”— Verified post-close mortgage survey
⭐⭐⭐⭐⭐Nolan E.
Home Purchase ClientSanta Maria, CAClosed December 2025
Working with Phoebe was an excellent experience from start to finish. Over the month and a half we worked together, it was clear it wasn’t just about getting our business — it was about doing everything she could to make the process as easy and stress-free for us as buyers. She consistently looked out for our best interests, took the time to understand our situation and goals, and built a real relationship rather than treating us like just another transaction. Because of the trust she built, she has earned our business for all future home purchases.”— Verified post-close mortgage survey
⭐⭐⭐⭐⭐Gerrett N.
Home Purchase Client Arroyo Grande, CA Closed November 2025*
This was, without a doubt, the smoothest home buying experience I’ve ever had. Everything was delivered exactly as promised and on schedule. Phoebe and her team were fantastic!”— Verified post-close mortgage survey
⭐⭐⭐⭐⭐Aurora R. F.
Refinance ClientLompoc, CAClosed December 2025
Por toda la comunicación que tuvieron con nosotros y la explicación que nos dan, gracias.
(Thank you for all the communication you had with us and the explanations you provided.)— Verified post-close refinance survey
⭐⭐⭐⭐⭐Dennis C.
Home Purchase ClientOrange, CA
Closed October 2025
“Phoebe was great to work with. She kept us in the loop and answered all our questions in a timely manner.”— Verified post-close mortgage survey
⭐⭐⭐⭐⭐Andrea P.
Buyer’s Agent Partner Arroyo Grande, CA Closed October 2025
Phoebe and her team are prompt, professional, and go above and beyond to provide clients with exceptional service. I recommend Phoebe and her team to all of my real estate clients.”— Verified buyer’s agent post-close review
⭐⭐⭐⭐⭐David G.
Mortgage Client Santa Maria, CA Posted October 2025
Phoebe made the whole process quick and easy. I would definitely recommend contacting her if you need a loan.”— Verified post-close client review
⭐⭐⭐⭐⭐Yolanda P.
Buyer’s Agent Partner Santa Maria, CA
Closed September 2025
Always on top of the situation and gets things done. No need to worry.”— Verified buyer’s agent post-close review
⭐⭐⭐⭐⭐Cathy G.
Buyer’s Agent PartnerWoodland Hills, CA Closed July 2025
Phoebe was great. She was quick to reply to emails and phone calls, was a true advocate for her clients, and explained everything clearly. I would highly recommend her.”—
Verified buyer’s agent post-close review