About Gail Bean


With over 50 years of combined mortgage industry experience, Gail has helped her production team become one of Washington’s most active and successful mortgage lenders. She believes that everyone deserves the right to achieve the dream of homeownership, and that their journey should be stress-free and rewarding. To make that happen, Gail offers a wide range of loan solutions to fit each client’s unique needs.

Needs that include:

  • First-time home purchases
  • Second-home/investment purchases
  • Jumbo loan purchases
  • Federal loan access (VA & USDA)
  • Loan refinancing
  • Renovation lending


When Gail is not helping clients, she enjoys spending time with family – including her Golden Retriever Sami – windsurfing, downhill skiing and hiking. Her dedication to customers has resulted in many awards during her career, including 20 consecutive President Club/Circle of Excellence awards. She is a member of the Washington Mortgage Bankers Association, a graduate of the University of Washington and is licensed to originate mortgage loans in Washington, Oregon, California, Idaho, and Arizona.


My Team

Jeff Cole headshot

Jeff Cole

Mortgage Loan Originator, NMLS #880564



Jeff Cole is a dedicated mortgage professional whose focus is on delivering an outstanding loan experience to both customers and colleagues. With over 25 years of experience, he’s worked in almost every aspect of the mortgage industry.

Aspects that include:

  • First-time home purchases
  • Second-home/investment purchases
  • Jumbo loan purchases
  • Federal loan access (VA & USDA)
  • Loan refinancing
  • Renovation Lending

As a seasoned and knowledgeable mortgage professional, Jeff confidently guides each client through the loan process. This personal approach means that you get the attention and service you deserve, as well as solutions that fit your situation. When Jeff is not helping customers, he loves spending time with his wife and two adult children, traveling and cheering on the Seattle Mariners and Seahawks. Jeff holds a Bachelor of Science in Economics from the University of Washington and has put his degree to good use as a licensed Mortgage Loan Originator in Washington, Oregon and California.



Waiting for just the right time to buy a home can be tricky. Should you save up more money first? Postpone until the new job comes through? Here’s a quick widget to show you what could happen to your monthly payment if home values and interest rates rise while you wait.

The information and calculations provided via this site are for educational and/or informational purposes only and have been provided in this format by Top of Mind. This is not an offer to lend. The above calculators are for fixed rate scenarios, unless specifically noted. The rates/APRs shown may not be available at this time and the rates/APRs/loan terms provided do not constitute an offer to lend. The P&I payments shown are monthly payments for principal and interest only, unless specifically noted. LR 2022-169B

What Our Customers Say About Me

Bonnie U. May-22
“Gail Bean and her business partner Jeff Cole were very professional, clear, and thorough. They are always professional and helpful with questions. The process was smooth and efficient, and we closed early. I recommend them to all who need financing.”
Todd C. Apr-22
“Gail and Jeff did an incredible job for us even though we had a challenging scenario of proving our income through the pandemic and being self employed. We felt we were in good hands all the way through and it turned out great for us in the end. We know that through this whole process, facts were being checked and rechecked and what we were promised in the beginning is what we would receive in the end -- and it was!”
Dustin R. Apr-22
“Gail Bean and Jeff Cole were amazing. They took care of us throughout the entire process. I would definitely use them again for any future loan applications. ”
Lindsey G. Apr-22
“Gail was incredibly patient and diligent when working with us. We are first time home buyers, and had many questions throughout the process. We are thankful to have found a lender that was with us every step of the way. Thank you!”
Kevin M. Mar-22
“Gail and Jeff were incredibly quick with information and several times proactively sent me a few different scenarios so I could weigh my options. For a first time buyer it was very helpful knowing I could reach out and get clear and informative answers.”
Brenda G. Feb-22
“I am very pleased with Homebridge as my mortgage lender. Gail and Jeff had lots of patience with me and explained every step before it happened with video, texts and emails. My experience turned out easier then I thought. Sincerely, Brenda G.”
Natalie A. Jan-22
“This was my first time buying a home and Gail and Jeff made the process so easy. They were always there to answer any questions and truly went above and beyond working with my real estate agent. High praises were given from anyone who needed to work with them during this process. I will be sending all my home buying friends and family their way! ”
Palmer B. Nov-21
“Amazing Experience. Thank you again.”
Andras V. Nov-21
“Gail and team are great to worl with. They are efficient, fast, don't make any mistakes and they always find ways to know down any barriers slowing down or risking the refinancing process. They are true experts in providing mortgage services and i consider them my trusted advisors in all my property financing property financing decisions.”
Valerie A. Sep-21
“Gail Bean is excellent. She has helped me finance houses three times now. She gives me ease of mind with her expertise and style.”
Spencer S. Sep-21
“Gail and her team (Jeff Cole) are the best. We are a repeat customer for a reason and have referred others to Gail and they have used her as well. She will always be the person we work with. Professional, great communicator, answers all questions, etc.”
Katherine G. Aug-21
“Gail Bean and her partner Jeff Cole were extremely attentive and helpful throughout the long and sometimes complicated process of applying for financing. They were knowledgeable, friendly, and always responded to my e-mails very promptly, even on weekends, which I was not expecting at all. They were great to work with and if I ever need another mortgage I will come back to them. Bravo, and thank you both!”
Fredy M. Aug-21
“I am happy I was referred by my Realtor, it closed sooner than I was expecting! Gail and Jeff were amazing to work with and understood my busy schedule. They were always available to answer my questions. They informed me of the steps. I liked the layout of the website and it was very easy to use and I enjoyed the short videos after each step.”
Jordan P. Mar-21
“We couldn't have asked for better assistance throughout the loan process, especially during a pandemic. Gail and Jeff helped us navigate the steps to buying a home with clear communication and answers to our many questions. Thank you so much!”
Laura S. Feb-21
“Gail was wonderful to work with and seems to be an expert in her field.”
Karen P. Feb-21
“Thanks, Gail, for another seamless experience!”
JeeSook K. Jan-21
“Gail was so wonderful to work with. She and Jeff answered all our questions and made the home buying process transparent. They worked over the holidays to ensure we'd meet our closing date. We are first time home buyers and they made sure to walk us carefully through the process. Thank you so much Gail and Jeff!”
Teresa R. Jan-21
“As first time home buyers, our main concern with finding a loan officer, was being able to feel comfortable with asking questions, being in good communication, and not feeling pressured to make decisions that didn't sit right with us. Gail was just that. Gail was communicative, thorough, super patient, provided resources, and best of all, loved all the questions, which made us feel right at ease. We appreciated Gail's expertise, clarity, and partnership in this process. Thank you so much, Gail!”
Anday M. Dec-20
“It was a positive experience. Thanks”
Larisa H. Nov-20
“Buying a house is stressful. Buying a house during a global pandemic, even more stressful! Gail Bean and her team made the mortgage process a seamless and pleasant experience. It was one thing I didn't have to worry about. I knew Gail was doing everything she could to create a great experience for me. I would highly recommend Gail Bean, and the Homebrige Financial Service team.”
DONALD K. Nov-20
“The only irritating thing about this whole transaction was the time it took to fill this time consuming and repetitive report. Next time shorten it our don't send it out. I send Gail and Jeff all my business. Gail and Jeff did a wonderful job and are tops in the business.”
Ryan W. Nov-20
“This is the 4th time I've used Gail and Jeff for a mortgage or refinance, they're amazing. I will definitely be coming back to them for any future needs”
Travis B. Oct-20
“My refinance experience was smooth and stress-free. Gail Bean and Jeff Cole were tremendously helpful and friendly throughout.”
Alison F. Sep-20
“Once again Gail & Jeff provided excellent service throughout the entire process. They provided clear and accurate information, continually kept us informed of status, and closed in an aggressive timeframe. Thank you!”
Steven H. Sep-20
“We are very pleased with the entire process of refinancing with Gail Bean and Homebridge. This is the easiest refinance that we have done. The ease of uploading documents and being informed of what was needed was great! We highly recommend Gail Bean and Homebridge!”
Justin R. Sep-20
“Gail was great, very helpful explaining different loan options and providing multiple estimates for comparison. Jeff was invaluable in helping us collect the documents and answer questions about the process.”
Ryan L. Sep-20
“Gail and Jeff were amazing throughout the loan process. Gail always returned my calls or emails within hours and provided amazing support. She explained the process to me so I didn't feel like I was just handing over documents for no reason and it really made me feel confident in the mortgage being able to close on time.”
Spencer S. Sep-20
“Gail and Jeff are very professional and easy to work with. There is no reason I wouldn't continue to work with them in the future and continue to refer others to them.”
William S. Sep-20
“I trust Gail and enjoyed working with her. Gail is a skilled professional, very knowledgeable and prompt, with the right amount of communication.”
Robert S. Sep-20
“Gail was fantastic, kept me informed throughout the process, and she did an excellent job of smoothing any potential bumps along the way. I recommend her highly.”
Joseph K. Sep-20
“We were very pleased with the professional and efficient manner Gail and her team handled our home loan.”
Andras V. Sep-20
“Gail and team are great! My situation is complicated but they stuck with me and the process all the way and found a way to make things work. Huge thank you!”
Shane B. Aug-20
“Gail was incredible.”
Susan B. Jul-20
“The team of Gail and Jeff was a pleasure to work with again! Gail always goes the extra mile like calling the selling agent to assure them that I was financially qualified. She also stayed on top of the escrow process. She was generally more informative about this than the escrow company. Jeff was right there too helping to make sure I knew what documents I needed to submit and answer any questions I had. This was my second loan with this team. I have referred them and will continue to do so. Great experience!!!!”
Craig R. Jul-20
“Gail Bean provided excellent and thorough support throughout the entire process.As a first time home buyer, I found her extremely pleasant to work with and very knowledgeable. I will definitely be working with her again in the future.”
Jeffrey F. Jul-20
“We've worked with Gail and Jeff several times over the years, and it's been a complete pleasure every single time. I always recommend them to anyone I know buying a house, and they will be my first call next time we need to refinance or purchase a new home.”
Beth S. Jul-20
“Gail and Jeff were great to work with. Gail took the time to explain things in a way I could understand and gave reassuring guidance along the way. They made the process so much easier than I anticipated, having never gone through this before. I have already referred a friend to them!”
Ruediger K. Jul-20
“Gail Bean was great to work with. On point and on time.”
Craig R. Jul-20
“Gail Bean provided excellent and thorough support throughout the entire process.As a first time home buyer, I found her extremely pleasant to work with and very knowledgeable. I will definitely be working with her again in the future.”
Jeffrey F. Jul-20
“We've worked with Gail and Jeff several times over the years, and it's been a complete pleasure every single time. I always recommend them to anyone I know buying a house, and they will be my first call next time we need to refinance or purchase a new home.”
Patricia K. Jun-20
“Gail was very responsive and helpful!”
FATIMA T. Apr-20
“Gail(and of course Jeff) will always be my go to person for financing.”
Richard M. Sep-19
“No negative feedback at all! Just wanted to take this opportunity to say how INCREDIBLE Gail Bean and her team (especially Jeff Cole) were throughout the entire process. They were somehow able to execute a 14-day close in nearly 8 days, due to their planning, organization, prompt communication, and wonderful training and guidance for us first-time home buyers. Our ability to close so quickly was the single most important factor in our ability to have our offer accepted on a competitive property in the crazy Seattle real estate market, and we will be eternally grateful to Gail and her team for helping us buy our dream home. Thank you!!!”
Sarah M. June-19
“Gail Bean did an excellent job of holding my hand, and guiding me through the entire home loan process. She is a dedicated professional.”
Tysha Carter
“We have worked with Gail twice now. The first time was a new construction townhome, and, most recently, the purchase of a single family home through an Estate (which made it a little more tricky as more parties were involved.) First, she has a depth of knowledge, understanding, and commitment that cannot compare. She has years of experience in the local market, on both personal and professional levels, which have helped her to cultivate a genuine compassion for those going through the home buying process. As first time buyers, she reassured us along the way, and, now, as more seasoned buyers, she cheered us on and was steady and extremely helpful as we navigated a more tricky purchase. She was also very mindful of the conflicts in our schedules that we have with five young children, and even arranged for closing to happen in our own home to make it less stressful and more comfortable for us. We truly appreciate Gail and her expertise, and have no hesitation in recommending her to any of our friends and colleagues. Thank you, Gail!”
Jacob Carter
“Gail was incredibly helpful and attentive during our home purchasing process. She was quick to answer questions, helped us navigate the fact I was starting a new job in the middle of the process, and supported us every step of the way. She exhibited professionalism and deep knowledge and I'm grateful she was on our team as we purchased a home in Seattle.”
Andy Mennella
“My wife and I just closed on our first house with Gail and Jeff. We asked hundreds of questions and they were always quick with their thoughtful, informative answers. It's an understatement to say that they know their stuff, and can explain it well. I recommend them to anybody who wants professional, intelligent, and kind people on their side. ”
Holly Hess
“Gail made the purchase of my first home happen quickly and efficiently. I was into a place within 3 weeks - 1 month of finding it, and much of that time was spent waiting on me to review details or the HOA to provide them. Very communicative, informative, and stands up for her client when she thinks some party has not done right by them. She is a valuable ally in a competitive market. I highly recommend working with Gail Bean.”
Melinda Issakov - Mrs
“Gail Bean recently helped us with purchasing a home in this crazy Seattle market. Gail was incredibly professional, knowledgable, focused, efficient and fast. I like to refer to her as ' my magic unicorn mortgage broker' as she has the ability to close on a loan in 2 weeks; in this market that can give you the edge you need to be the party who has their offer accepted. As we are not from the USA we had some hurdles to jump through in regards to getting our credit rating looking good, we spoke with Gail a year before we planned to buy and she was able to run a report which told us what we needed to do financially to be in the best shape once we were ready to buy. This knowledge was invaluable, and despite only have a 2 year financial history in this country, we had a great credit score once we started the mortgage process. Without Gail I don't think we would have know the small things needed to help us in this regard. Gail and her team also were wonderful in explaining how it all works, helping us understand the process and basically just doing all the hard 'scary' stuff behind the scenes. I can't recommend Gail enough, she was really great. 10 out of 10.”
M. Millmore
“Gail and Jeff did a fantastic job - I would highly recommend them for your financial home loan needs.”
“Gail and Jeff were extremely helpful and easy to work with. My refinance went smoothly thanks to them. ”

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