The Jaffe Team (David Jaffe, Jed Herman and Holly St. Germain) is a mortgage planning team with offices in Westlake Village and Oxnard, CA. The team is led by David Jaffe with more than 25 years of industry experience and over $3 billion in closed residential mortgages. To say we know mortgages is an understatement!
Our job is to ensure that our clients get the best mortgage for their particular situation. Unlike an 800 number call center which may be a thousand miles away, we are local and available. We take the time to understand our clients’ needs.
The difference in our approach is significant. Call us and see how The Jaffe Team’s advantage could become your advantage!
State Licenses: David jaffe – NMLS# 239040, CA-DOC239040, IL-031.0028702, OR-239040, WA-MLO-239040 | Jed Herman – NMLS#293493, CA-DBO 293493 | Holly St.Germain – NMLS# 257841, CA-DOC257841, AZ –LO-0912573
Additionally, an independent mortgage banker does not have retail bank overlays. Each bank has different interpretations of the same underwriting guidelines. If one bank’s guidelines don’t like a loan for a specific reason, we can use another bank which interprets the same underwriting guidelines differently. This gives us more flexibility than a single bank. We are not restricted by any bank’s specific interpretation of the guidelines and able to look at all of our banks’ interpretations of the same guidelines, gaining a big advantage over a traditional bank.What Sets Us Apart
Though we are, of course, not doctors, this analogy proves to be helpful for buyers who are shopping around for a mortgage consultant: If you’re going to get knee surgery, would you rather work with the doctor who has performed 100 surgeries or 10,000 surgeries?
Buying a house is a huge commitment, and finding the right mortgage product that fits your goals, needs and finances is crucial. Having closed more than 8,000 loans our experience speaks for itself.
The team is led by David, who is married with two children. He enjoys sports, triathlons, and loves to travel. His favorite place to travel?—anywhere! David especially enjoys the tropics. David is involved in charities and enjoys giving to organizations that help people help themselves.
Holly St. Germain is a team partner that hails from New Jersey, eventually making her way West. She is married with a son and daughter. She enjoys running, reading, fashion related “anything”, and spending time with friends and family- particularly if it includes the beach!
Jed Herman has been working with David for over 14 years. Jed is married with three children and moved to California from the east coast in 1996. His passions include travel, live music, and keeping with the team theme, the tropics and anything beach related.
“Buying a house is a huge commitment, and finding the right mortgage product that fits your goals, needs and finances is crucial. Having closed more than 8,000 loans throughout our careers-our experience speaks for itself.”
You all have been amazing and we couldn’t be happier at this moment! I’ve told many people already and Ill keep saying it On Q Financial along with David and the rest of your team there have been the best part of the entire home purchase process hands down. I don’t know if wed be home owners or have this incredible house without your support and guidance. We are truly thankful!! Keep up the fantastic work. The way you care and sincerely want to help your clients really shows. That’s what makes you special!
On top of that nobody thought we would close today and you all made it happen! My realtor and title company all said it was impossible to do so soon and you proved them all wrong! WOW! Very impressed!
We had 5 offers on this home and because you were their lender, it weighed heavily on the decision to accept their offer.
There are only a handful of mortgage lenders who give me the confidence that their approval letters are true and that they can actually close the loan.
Thank you for your note and for your help getting our recent transaction closed!
I’ve tried to meet expectations in the office for so long and be a good little team player but the last 2 years proved to be too much in the loyalties department. I began to move away from in-house services when I witnessed some internal things I didn’t agree with. Tried a few outsiders but nobody gave it what you always did. If you go back you might as well go back to the best!
Thank you for continuing to do such a great job on the loans you close for buyers of our listings. As an REO brokerage, we are under tight restrictions to get transactions closed quickly and within the agreed upon time-frames.
When we get an offer with a pre-approval letter from the Jaffe Team we know the loan will close smoothly, efficiently and on-time. Knowing you are involved in the transaction gives your clients offer a leg up when competing for a property.
Thanks again for staying on top of everything, and we look forward to seeing your name on many more transactions!