About Alice Gutleben

As a licensed Homebridge Mortgage Loan Originator in California (NMLS #250364), Alice Gutleben can assist you with your home loan needs, including:

  • First-Time Purchase
  • Second-Home Purchase
  • Refinance
  • FHA and VA
  • Conventional
  • 203(k) Renovation
  • Jumbo

Alice welcomes the opportunity to serve your needs with quick and accurate real estate financing advice. Alice has the expertise and knowledge, and will make sure you understand the features associated with the loan program you choose and that it meets your unique financial situation.

Contact Alice Gutleben Anytime

Feel free to contact Alice anytime by phone or email for personalized service and expert advice. Alice Gutleben will extend the same professional service to your friends, family members, work colleagues or neighbors who need help.

Alice Gutleben is 203(k) Renovation Lending Certified

Alice is certified in 203(k) Renovation Lending, a program particularly well suited for buyers of fixer-uppers and REOs in need of repair. Homebuyers can finance both the purchase and future repairs on their new home with one loan.

The Renovation Loan offers some great features. The amount of money you are permitted to borrow for the purchase and renovations is based on the increased value of your home after improvements are made1. Also, because renovation costs are spread throughout the entire term of the loan, monthly payments are often lower than other financing options. With the loan, there is also no need to delay improvements. You can start in immediately after closing. Another great feature is the loan's simplicity - one application, one set of fees and closing costs, one closing to attend and one payment each month. The interest on the cost of your improvements, included in your mortgage, may be tax deductible2 as well.

Alice Gutleben values your business and will provide you with the best professional service and mortgage solutions that make most sense for you and your unique financial situation and real estate goals.

Please contact Alice by phone, email or filling out the pre-approval form on the right to get more information about our Renovation Loan, or any other mortgage financing solution. I look forward to working with you!

1For 203k purchase transactions the maximum loan amount is the lesser of the sales price + renovation costs or 110% of the as-completed value, times the maximum loan-to-value. For refinance transactions the maximum loan amount is the lesser of the property value before renovation + renovation costs or 110% of the as-completed value, times the maximum loan-to-value. Loan amount must be within FHA county loan limits.

For HomeStyle® purchase transactions the maximum loan amount is based on the lesser of the sales price + renovation costs or 100% of the as-completed value, times the maximum loan-to-value allowable. For refinance transactions the maximum loan amount is based on the lesser of 1) 100% of the as-completed value times the maximum loan-to-value or 2) the balance on the existing loan plus the renovation cost plus the settlement costs. The maximum repair amount is limited to 50% of the as-completed value. HomeStyle® is a registered trademark of Fannie Mae.

2Please consult a tax advisor for further information regarding the deductibility of interest and charges.
For your home improvement needs, visit Service Finance Company, LLC to find a trusted local contractor.

Homebridge may receive compensation for referring you to Service Finance Company, LLC.

What Our Customers Say About Me

Gabriel G. Los Gatos, CA
Kirk B. Antioch, CA
“She was awesome! I met Alice at an open house and immediately she made me feel confident that should could help me buy a home. She was very easy to work with and kept me posted on all items. She helped me make my dream come true and now I own a home.”
Evelyn B. Livermore, CA
“She always does her best and delivers. So happy to be partnered with a Loan Officer like Alice.”
Terri V. Los Gatos, CA
“She assisted in coordinating the escrow sign off for Buyer as I was out of town. She returned calls on the Weekends!”
George B. Mountain House, CA
“Outstanding communication.”
Laura A. Walnut Creek, CA
“Alice and team did a fantastic job. They stayed on top of the transaction the entire time. Thanks.”
Steven D. Berkeley, CA
“Alice Gutleben goes beyond what can be expected. She cares about her clients deeply and she works hard for the very best outcome for her clients. This is our second loan with Alice and this one was complicated and involved but Alice got us through with a great outcome. Thank you Alice. We are grateful for YOU.”
Makayla W. Suisun City, CA
“Alice is amazing!! Wouldn'”
Steven T. Martinez, CA
“Alice is the best. She goes above and beyond to help. We call her at anytime for anything and she will help in her friendly manner. Alice thank you for all you have done for us.”
Steven T. Martinez, CA
“Alice is the greatest I know! Anytime we need help she is always right there. She goes above and beyond for her clients. Anyone who has worked with her will say the same. Thank you again Alice.”

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