A STRONGER WAY TO GET PRE-APPROVED
Your Offer Shouldn't be Built on a Guess
Phoebe's background in underwriting means she knows what happens to a loan after the application is submitted. Instead of simply issuing a pre-qualification and hoping everything holds up, she takes a deeper look upfront.
That means fewer surprises, a clearer understanding of what you can afford, and a stronger approval when it's time to make an offer.
Underwritten Upfront
A thorough review before you're deep into the purchase process.
Stronger
Offers
Give sellers and agents greater confidence in your financing.
Smoother
Closings
Identify potential issues early instead of days before closing.
Move-Up Buyers
Navigate selling, buying, existing equity, and financing your next home with a strategy built around the bigger picture.
LOCAL MORTGAGE EXPERTISE
Santa Maria & Orcutt
Nipomo
Arroyo Grande
Santa Ynez
Santa Barbara
Pismo Beach
Atascadero
Paso Robles
San Luis Obispo
Helping Buyers Call the Central Coast Home
From coastal communities to wine country, Phoebe helps buyers navigate financing throughout California's Central Coast. Based in Orcutt and serving buyers throughout Santa Barbara and San Luis Obispo Counties, she understands the local market and works closely with buyers, real estate agents, and industry professionals to keep transactions moving.
25+ Years of Mortgage Experience on your Side of the Table
Phoebe Jaeckels is a Senior Loan Officer with Movement Mortgage with more than 25 years of experience in the mortgage industry, including a background in underwriting.
That experience gives her a different perspective on lending. She doesn't just look at whether a loan works today—she looks ahead for the details that could create problems later.
Her approach is straightforward: communicate clearly, do the work upfront, find competitive financing, and make sure her clients understand exactly where they stand.
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From “Can I buy?” to “I got the keys.”
01. Let's Talk
Tell Phoebe what you're hoping to buy, where you are financially, and what matters most.
02. Get Pre-Approved
Phoebe reviews your financing and helps determine the right loan strategy.
03. Build a Strong Offer
Shop with a clearer understanding of your buying power and financing.
04. Close With Confidence
Phoebe and her team stay ahead of the details to help keep your loan moving toward closing.
Trusted by Central Coast Buyers and Real Estate Professionals
Allie Webber & Jessica Fitzpatrick, Real Estate Agents
We’ve had the privilege of working with Phoebe for almost a decade, and she has been an incredible lending partner every step of the way. Her communication, knowledge, and dedication to our clients are unmatched. She consistently goes above and beyond to make the loan process smooth and stress-free, and our clients always appreciate her responsiveness and care.
Bryan & MacKenzie
Rana, Home Buyers
When buying our dream home in our dream neighborhood in Orcutt, it was important to us to work with someone knowledgeable, responsive, and proactive. Phoebe ensured we came in fully prepared with pre-approvals and underwriting, giving us a strong and confident offer from the start. The entire home loan process was seamless.
William & Aimee De Guzman, Home Buyers
Phoebe was absolutely amazing! As first-time homebuyers, we had so many questions and concerns, but she was always happy to answer them with patience and clarity. She walked us through every step of the process, making everything feel less overwhelming and more exciting. Her professionalism and kindness made all the difference. Thank you, Phoebe, for making this such a smooth and enjoyable experience!
A lender you want on the other side of the offer!
Phoebe works closely with Central Coast real estate professionals to provide responsive communication, thoroughly reviewed buyers, and financing strategies designed to help transactions reach the closing table.
Mortgage Options for Wherever you're Headed Next
Conventional Loans
Jumbo Loans
FHA Loans
Refinancing
Investment Properties