I'm Janet Guilbault, California Mortgage Expert based out of the San Francisco Bay Area.

When it comes to real estate, I am uniquely qualified to provide cutting edge strategies and solutions in the arena of mortgage financing.

I began my career as a Realtor at an early age, eventually being licensed in 3 states. My husband and I then became the owners of a successful auto leasing company here in the San Francisco Bay Area, Golden Bear Auto Leasing. 

Here, I specialized in the financing aspect of the automotive business, securing auto loans and leases for hundreds of California individuals and businesses. My  auto leasing clients were inherited by Howard Guilbault, my husband, and the President of Golden Bear Auto Leasing. 

Coming full circle, I again joined the real estate industry, this time on the mortgage side, taking advantage of my expertise in the credit world, as well as my past experience as a real estate agent.

Having spent my entire career around the 2 biggest assets in most people's lives, I fully understand the emotional nature of such an important transaction, real estate negotiations, and the vital role of creating strategies to secure the absolute BEST financing scenario to meet both immediate and long term goals.

I have a Bachelor of Business Administration Degree, 25+ years experience as a California business owner, and have won numerous awards for outstanding sales, marketing, and client satisfaction. I have an extensive background in journalism, and have written extensively about issues related to buying, selling, and financing California real estate.

My mission is to use my years of expertise to provide the optimum solution to your real estate financing needs, and to be a trusted advocate and advisor, not only for one transaction, but for life.

 Do these situations sound familiar?

1. I make enough money to afford the payment, but your tax return doesn't refect it

2. My business is up and down, and I need the ability to access my equity

3. I need cash out. Fast.

4. I know I need to refinance, but who has the time?

5. Who can I trust with my million dollar plus mortgage?

6. My business expenses/vehicles are showing on my credit report. How can I qualify?

7. How can I help my kid(s) get real estate?

8. How can I buy a second home?

9. I don't want to show the bank/mortgage company my financials.

10. What can I do to enhance my tax write-offs?