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Joanna Dunki-Jacobs Loan Originator NMLS# 247050

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United States
Walnut Creek, CA
Joanna Dunki-Jacobs Loan Originator NMLS# 247050

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Joanna Dunki-Jacobs is a Loan Originator for GFS Home Loans. Our commitment begins at prequalification and extends beyond the closing of your home purchase.

Established in the heart of San Antonio, Texas, in 2023, GFS Home Loans has been a beacon of excellence in mortgage banking. As a team of seasoned professionals, we are devoted to ensuring your home-buying experience is both seamless and rewarding. As an equal housing lender, we take pride in serving our vibrant community with a diverse portfolio of residential mortgage options, including:

VA Loans
FHA Loans
Conventional Loans for primary, secondary, and investment properties
Nonconforming – Jumbo Loans
Refinancing Options – Rate & Term, Cash-Out, and VA IRRRL
Innovative “Out of the Box” portfolio products

At GFS Home Loans, we specialize in finding the perfect loan match for every client, tailored to meet their individual needs. We manage your mortgage process entirely in-house, with our dedicated GFS employees who are deeply rooted in the communities we serve. For us, you are more than just a loan number, and service is more than a word in our name. Our commitment is to exceptional, personalized service from the first step in your home search to the moment you hold your new home's keys. TEXAS RECOVERY FUND NOTICE: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.

11/05/2026

We're not going to pretend this is an easy month to buy a house. It isn't.

Rates are higher than they were a year ago. Fewer people are applying. A lot of folks who'd like to move are staying put because the loan they have is cheaper than the loan they'd get. We see it every day, and you probably feel it.

So here's what we're actually saying to people who call us right now:

1. Rates are where they are, and they may stay in this range for a while. Nobody knows the next move, including the people who sound sure.

2. The payment matters more than the rate. A rate is a headline. A payment is your life for the next few years. We'd rather talk about that.

3. If you're not buying yet, use this stretch. Pull your credit, clean up what you can, save what you can, and get Pre-Qualified so there are no surprises later. The quiet months are when the prep happens.

4. If you are buying, you have something buyers haven't had in years: room. Fewer offers, more time to think, sellers who need to sell.

No pitch. We'll be here when the numbers make sense for you, and we'll tell you honestly if they don't yet.

If you want to know where you stand today, visit https://www.gfshomeloans.com/loan-officer/joanna-jacobs

11/02/2026

Rates ended last week at their lowest point since late September.

Where things landed (national averages, Mortgage News Daily, 10/30):
• 30-yr fixed: 7.27%, down 0.06 for the week
• 15-yr fixed: 6.92%, down 0.06
• FHA: 6.90%, down 0.08
• VA: 6.91%, down 0.08
• Jumbo: 7.55%, down 0.05

On the housing side, new listings are down 1.5% from a year ago (Realtor.com) and single-family completions are down about 11% this year. Fewer homes coming to market means pricing and prep matter more than ever if you're selling, and a quick move matters if you're buying.

Rates change daily. The best way to know what today's number means for your budget is to get Pre-Qualified.

DM us UPDATE and we'll walk you through it.

10/31/2026

Happy Halloween! 🎃👻

Wishing you a night full of treats, safe trick-or-treating and the best candy on the block.

From our team to your home, have a spooky, sweet one.

10/30/2026

Breaking up with your landlord this spooky season? 👻

Every rent check builds someone else's equity. When you own, those monthly payments start working for you.

Not sure where to start? Getting Pre-Qualified shows you what you could afford, so you can house-hunt with confidence.

Comment BOO and visit https://www.gfshomeloans.com/loan-officer/joanna-jacobs to plan your next step.

10/29/2026

Trick or treat? When you're buying a home, you want the treats. 🎃

Tricks to skip:
• Surprise costs at closing
• Shopping before you know your price range
• Opening new credit before you close

Treats to grab:
• Knowing your costs upfront
• Getting Pre-Qualified first
• Keeping your credit steady until the keys are yours

Comment TREAT and we'll help you skip the tricks.
https://www.gfshomeloans.com/loan-officer/joanna-jacobs

10/28/2026

Haunted houses? Please. These are the real scares. 👻

• Rent going up. Again.
• Opening a new credit card during underwriting
• House hunting without being Pre-Qualified

The good news: all three are avoidable with a plan.

Which one scares you most? Tell us below, or visit https://www.gfshomeloans.com/loan-officer/joanna-jacobs and we'll help you skip the scary parts.

10/28/2026

Today is National First Responders Day.

Thank you to the firefighters, EMTs, paramedics, police officers and dispatchers who run toward what others run from. We're grateful for you and your families.

10/26/2026

No tricks this week, just a little treat. 🎃

Mortgage rates reached their lowest level in about a month. The 30-year fixed averaged around 7.33% as of Friday, down slightly on the week, per Mortgage News Daily. That makes three straight weeks of improvement since rates peaked in early October.

What to watch this week:
• Home price and new home sales reports on Tuesday
• The Fed's rate decision on Wednesday
• Fresh inflation data on Thursday

Wondering if this is a good time to make your move? We'll walk you through it.

Source: Mortgage News Daily. Rates shown are national averages, not a quote or commitment to lend.

10/24/2026

Want to buy in the spring? The smart move starts this fall.

Spring is when a lot of buyers jump in at once. Getting ready now puts you ahead of them:
• Now: check your credit and clean up anything unexpected
• This fall: set a savings target for your down payment and closing costs
• This winter: get Pre-Qualified so you know your range
• Spring: shop with confidence while others are just getting started

We'll help you build your game plan visit https://www.gfshomeloans.com/loan-officer/joanna-jacobs

10/23/2026

Nobody celebrates closing day quite like the dog. 🐶🔑

A yard of their own. Room to run. A front window to guard. Homeownership hits different for everyone in the family.

Ready to get your crew some keys? Visit https://www.gfshomeloans.com/loan-officer/joanna-jacobs and let's talk about your first step.

Address

2855 Mitchell Drive, Suite 103
Walnut Creek, CA
94598

Opening Hours

Monday	8:30am - 5pm
Tuesday	8:30am - 5pm
Wednesday	8:30am - 5pm
Thursday	8:30am - 5pm
Friday	8:30am - 5pm

Website

https://www.gfshomeloans.com/loan-officer/joanna-jacobs

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