Spencer Gabriel Gillet

NMLS 119630

27820 Aleutia Way, Yorba Linda CA 92887

Get to know me

Spencer Gillet, a husband, father of two, and seasoned mortgage broker with 25 years of proven success. I have built my reputation on trust, expertise, level of service and delivering results for the families I serve. I offer loans in the state of Washington, Oregon and California.

My experience

Licensed in:

California

Oregon

Washington

Loan Products:

Adjustable-Rate Mortgages (ARM)

Conforming Loans

Conventional Loans

Fannie Mae

FHA

Fixed-Rate Mortgages

Freddie Mac

Ginnie Mae

Jumbo Loans

Non-Conforming Loans

USDA

Years of experience:

Languages spoken:

English

Brokerage info

What you can expect from me.

Find answers to my most-asked questions, covering everything from how I'll support you to what you need to start the process.

Who do you love helping most, and how do you make the home loan process easier for them?

I make the home loan process easier by breaking everything down in simple terms, setting clear expectations upfront, and staying accessible every step of the way. My goal is to remove surprises.

What should clients expect when working with you from start to finish?

Clients can expect clear communication, honest guidance, and a smooth, stress-free process from application to closing. I pride myself on always being available for clients when they have questions.

How do you support clients looking to improve their credit before applying?

Guide them step-by-step with a clear credit improvement plan — reviewing their report, identifying quick improvements, reducing utilization, correcting errors, and creating a clear purchase timeline.

How do you feel about clients starting the conversation before they’re ready to purchase?

I encourage it. The earlier we start the conversation, the better prepared my clients are when the time is right.

What documents do your clients need to start the process?

To start the process, clients typically need recent pay stubs, W-2s or tax returns from the last two years, bank statements, a photo ID, and information on any debts or assets.