Bay Area
Serving the San Francisco Bay Area by appointment. Same wholesale lender bench, same lower-rates-lower-fees pitch, with a local Bay Area branch manager.
Mortgage Lenders Serving the San Francisco Bay Area
UWL’s Bay Area branch is led by Jeff Gibaut, who works with clients throughout San Francisco, the East Bay, the Peninsula, the South Bay, and the North Bay. Meetings are taken by appointment — in person where it makes sense, or remotely. Same lender bench, same lower-rates-lower-fees pitch, with a banker who knows the Bay’s pricing patterns and appraisal dynamics.
Programs we write for Bay Area clients
• Jumbo and super-jumbo loans (the Bay Area’s default zip code for mortgages above conforming limits)
• Conventional fixed-rate and adjustable-rate mortgages
• FHA, VA, and CalHFA government-backed loans
• Bank Statement loans for self-employed and equity-compensated buyers
• DSCR loans for Bay Area and out-of-area investment properties
• Airbnb / short-term-rental financing
• Cash-out and rate-and-term refinancing
Counties served
San Francisco, Alameda, Contra Costa, San Mateo, Santa Clara, Marin, Sonoma, Napa, and Solano. We also handle Bay-Area-resident purchases of second homes and investment properties anywhere in California.
Reach Jeff directly at 925-984-1015 or jeff@unitedwholesalelending.com to set up a consult.
Meet Jeff Gibaut
I’m a proud, native Californian and Cal Poly SLO grad who has spent over 20 years doing one thing — helping people find the right mortgage.
At home, I’m husband to my amazing wife Julie (25+ years and counting) and dad to two incredible adult daughters, Olivia and Paige.
In the office, I’m the guy who shows up the same way every single time: consistent, efficient, and laser-focused on getting you the best possible deal. No confusion, no runaround — just a trusted partner in your corner from start to close.
When you work with me, you can check all three boxes.