About Gayle Arrowood

Gayle Arrowood has spent the last 25 years of her career helping individuals and families in the Bay Area achieve homeownership. She began her career at an entry-level position with a local bank and quickly worked her way up to become one of their top loan officers. As a Mortgage Loan Originator, Gayle has built a solid reputation in the community for her clear communications style and integrity.

Gayle keeps her borrowers’ best interest at the center of every transaction and offers the following loan products for purchases and refinances:

  • Conventional loans
  • Jumbo loans
  • Interest Only loans
  • Homes with acreage
  • FHA/VA/USDA loans
  • Renovation land Construction loans
  • Borrowers with ITIN and Resident Alien cards
  • Restricted Stock Unit income (RSU)

Gayle’s focus is to make sure her borrowers understand the loan process from beginning to end. Specializing in first-time homebuyers, she’s able to provide her customers with the information they need to stay in the driver’s seat during their homebuying transaction. Gayle breaks down the steps and presents the complex mortgage language in a straightforward manner.

When she’s not walking her customers through their loan, Gayle spends time with her five daughters and granddaughter. Gayle loves to garden and has a large planted vegetable garden. She used to be a competitive weightlifter and, beginning at age 46, held several world records for the deadlift and squat.  She’s actively involved in her local community, and is currently a board member with Rotary Club of Sonoma Valley, overseeing community grants of $100,000 total annually.

Gayle Arrowood brings passion to everything she does. For each customer, she dedicates her time, skill and experience to ensure that they’re able to make the dream of homeownership a reality.

Ready for a different kind of neighborhood tour? Let us show you some things you don’t see every day—the underlying factors that can impact your home’s value, from recent sales to school zones to the typical commute. Just click on the image below.

The information provided via this site is from general public sources and has been provided in this format by Top of Mind. LR 2020-772

What Our Customers Say About Me

Anthony N. Jan-22
“Gayle was great to work with and always took time to make sure we understood the loan process and steps we needed to take. She was a pleasure to work with and would recommend her to anyone.”
Michael W. Dec-21
“Gayle is amazing. An absolute pleasure to work with. Gayle was with me every step of the way, answered all my questions and made me feel comfortable throughout the entire process.”
Denis L. Dec-21
“The whole process went way smotther and faster than we ever expected. Gayle and her team were extremely informative and helpful the entire way.”
Jeffrey A. Dec-21
“Gayle was a life changer for me. I recently retired and didn't think I would be able to qualify for a mortgage due to no standard income, but Gayle knew about different kinds of loans that calculated income from retirement funds instead of W2's, etc. She then answered literally dozens of questions I had, putting my mind at ease and helping me fine-tune my financial plans. Her knowledge, patience and support were the steady rudder I needed after a very rough experience with my last home. Without Gayle there's no way I could have bought this home. I am forever grateful for her and Homebridge.”
Erin M. Dec-21
“Gayle was wonderful to work with! She explored many different loan options for my situation and she continuously found new options along the way. She took a lot of time to explain the entire loan process. Her communication on each stage was very helpful. She was very quick to respond to my questions. I would highly recommend using Gayle at Homebridge! I'll definitely work with her again for all my future needs!”
Rebecca H. Nov-21
“Gayle was amazing. She was so patient with us as first time buyers in this difficult market. She worked with us for months putting in many offers before one was accepted. She helped us find solutions tailored to our personal situation that made our dream come true. She was very knowledgable about the options available to us and was always so kind and personable, and never made us feel intimidated. We loved working with her.”
Allison J. Nov-21
“Gayle and Tracy Comacho we're professional, knowledgeable and made it a smooth process”
Susan P. Oct-21
“It was a pleasure working with Gayle and her underwriter, Tracy. Both were always available, always polite and professional.”
Betty L. Aug-21
“She was very pleasant, knowledgeable, and easy ti wirk with”
Claudia B. Aug-21
“Gayle was great to work with, gave in depth details, always responded to any questions or concerns in a very timely manner. Would always want to work with her personally.”
Sharen P. Apr-21
“Gayle is fantastic! I would recommend her highly. She and Tracy made what is usually a painful process - as "pain free" as possible. They are a great team and it was a pleasure to work with them!”
Jennifer P. Mar-21
“Gayle was very knowledgeable communicative easy to work with and she made our refinancing process very smooth.”
Tina V. Mar-21
“Gayle did an excellent job for us from end to finish. Very responsive throughout the process.”
Maurice C. Mar-21
“Gayle was great in providing loan information, and letting me know about a few possible options in my scenario and was able to choose the one that worked for me.”
Lucinda B. Mar-21
“Very professional and helpful”
Martin B. Mar-21
“This is our second mortgage process with Gayle. Even though it was all virtual due to Covid, it felt friendly and comfortable. She's straight forward with what rates can be provided, which is what a mortgager really wants.”
Katrina P. Feb-21
“Loved the whole process!”
Mary B. Jan-21
“Gayle was very helpful. She went out of her way to be available and to assist in any way she could.”
Colette M. Jan-21
“Gayle Arrowood has been my loan officer for several transactions. She is extremely efficient. I would say she is a master of her trade: knowledgeable, aware of details, expert at communicating and very personable.”
Rebecca C. Jan-21
“Gayle Arrowood & Tracy Camacho were the two main individuals I worked with, and have worked with in the past. They are ABSOLUTELY fantastic. Thought the process of refinancing took longer this time around due to a high demand, they continued to keep me apprised of the status, even if they were waiting for the next step to begin. I always had a list of questions, as much of this process is confusing for me being a new homeowner, but they always answered my questions quickly, accurately, with kindness and understanding. This is the third time I have come back to Homebridge, as every time I work with them, I receive excellent service and a level of empathy you don't often find in this line of business.”
James C. Jan-21
“Gayle and Tracy Camacho were a great team, always in touch, provided excellent guidance along the way, gave us total confidence in the process”
Michael H. Dec-20
“I was referred to Gayle by two dear friends who had excellent past experience with her. I will say she surpassed the praise that my friends had for her. She is incredibly knowledgeable, professional, and personable. Every time Gayle called me, my day got brighter. I have already told several other friends who are considering re-financing about the outstanding job Gayle did for me!”
Stephen P. Dec-20
“I have worked with Gayle for years and so have my family now - she is a gem!”
Gloria W. Nov-20
“Gayle Arrowood is the perfect example of superb customer service! She and her team were not only extremely knowledgeable, but also creative and didn't find issue to think out of the box. It was a pleasure to work with her and Tracy to achieve the best outcome for my refinance.”
Shannon R. Nov-20
“Gayle was great and responded quickly to all our questions, etc. She was approachable and knowledgable, Loved the initial computer analysis that we got when we were first shopping rates and loved that she sent quick video clips! Never met her person, but it was not an issue! We didn't close as soon as we had expected, but we understand it was due to so many refis and that was totally fine.”
Steven N. Nov-20
“Gayle is professional, follows through in a timely manner. Pleasure working with her.”
Kara O. Oct-20
“Gayle Arrowood and her team went above and beyond to get me the financing I needed for our home. We are self employed with very unusual sources and fluctuations in income so unfortunately makes a daunting task for underwriting approval with any lender, but Gayle and Tracy walked me through every step and across the finish line. It wasn't easy but am grateful to them for not giving up on me. Thank you. Lending should not be this difficult for self employed something I hope can change for the better.”
Felice T. Oct-20
“Gayle was professional, personable and always kept a positive attitude. She is a wonderful representative for your company. She is very real and relatable. I am lucky to know her.”
Shawn B. Oct-20
“Gayle was great! Very professional. Great experience.”
Diane M. Oct-20
“Gayle Arrowood was stellar! She held my hand the whole way, quick to pick up the phone to review anything she thought might cause concern on my part and on top of everything!”
Brett S. Sep-20
“I had a great experience refinancing with Gayle Arrowood. She made the process transparent, was available any time we had questions and even sent video updates on Fridays! Without reservation I will work with Gayle in the future for any financing needs I have.”
Jeffrey M. Sep-20
“When time came to refinance, I only made one phone call.”
Karen P. Sep-20
“This is the second loan that I have done with Gayle Arrowood, I am totally confident working with her because she is extremely professional, knowledgeable and trustworthy. She made the entire process seamless from start to finish each time. I would not hesitate to recommend Gayle to anyone for looking for a loan.”
William H. Sep-20
“Gayle Arrowood is extremely competent, professional and pleasant to work with. If we ever do recommend or use Homebridge again it will be because of Gayle. We needed someone to take the time to get our application and approval done quickly and Gayle pulled it off without a hitch. She was always available when needed and quick to answer our questions and concerns.”
John S. Sep-20
“Gayle Arrowood was great at every step. Always checked on us to make sure we new what we needed to know.”
Julie S. Aug-20
“Gayle was amazing - incredibly supportive (and patient with all my questions)! She did everything possible to minimize my frustrations / etc.”
Janet C. Jul-20
“We came to Home-bridge because Gayle had helped us with other real estate loans. As in the past, her work was excellent. We would recommend Gayle to anyone looking for a real estate loan. We were satisfied with your web site, making it easy to provide the documents needed for approval. Tracy was on top of the process as well as Gayle and made it easy. ”
Sheldon R. Jul-20
“Gayle made this a smooth transaction. She is very professional and a pleasure to work with.”
Richard W. Jun-20
“Gayle was amazing in moving the process along as quickly as possible, and keeping us informed of every step.”
ERNEST F. May-20
“Gayle Arrowood and her team at Homebridge were professional, responsive, clear, and efficient in my two recent refinancings. I would work with them again, and urge others to do the same..”
“Gayle and her team are always a joy to work with. Thorough and responsive!”
ANDREA C. Nov-19
“Oh my goodness Gayle work really hard for me and my husband I really appreciate what she did for us”
K Parrish - Aquatics Instructor
“You've got to get Gayle on your side. Not only is she completely professional and accomplished at what she does, but she will make the whole home lending process a calm and stress-free experience. Always available, always with a ready answer. Put your trust in this one.”
Jacqui DeGregory - Owner of DeGregory Painting and Decorating
“It was a pleasure working with Gayle Arrowood. Gayle was efficient and very knowledgeable. I highly recommend Gayle and I would work with her again in the future. Jacqui Degregory”
Jennifer H - Attorney
“Gayle is friendly and extremely knowledgable about all aspects of loans and refinances. She's very honest and explains everything before you sign documents.”
Douglas H - IT Specialist
“I have never had such a wonderful experience in buying a home. Gayle makes the process of getting a home loan painless and quick. She is thorough and very knowledgeable. She was able to answer all my questions and kept the process moving forward. I would highly recommend you see Gayle for your lending needs.”
Lars W - Partner/Business Owner
“Thanks to Gayle, I now own my dream house. Gayle was able to get me construction loan for a house under construction where others would not even look at it due to the higher risk. Gayle was able to guide me through the complex process of a construction loan application. Gayle was always available for a call or email question regarding the process and what documents were needed to line up the construction project with the loan process. Gayle was able to get this complex process done within the agreed upon time frame which ensured we closed the deal on time. Thank you Gayle!”
R Elders - Attorney
“Gayle was great and a pleasure to work with. Mortgage processes are always a little complicated (the laws require it), but Gayle made it easy as she walked me through it. I was actually surprised at how smoothly things went. When my title company needed information urgently for the closing, Gayle was immediately on top of it and we were able to close on our target date. She was always immediately reachable by phone or she responded very quickly by phone, e-mail or text message.”
TS Weaver - Engineer
“I can highly recommend Gayle. She is very resourceful with all of my borrowing needs. We had a particularly challenging refi that required a very creative approach and laser focus on all the parties involved in the transaction. Everything went very smoothly. Could not be happier with the final outcome.”
TJ Brightman - Marketing and PR
“Gayle has managed and successfully executed two new home purchases for me in the past four years! Her professionalism and ability to keep the client informed every step of the way is why we trust Gayle to manage these transactions for us. As many know even with the cleanest portfolio, the underwriting process these days can be frustrating and ponderous. However, Gayle finds a way to communicate, advocate for her clients and see things all the way thru to the finish line. This is rare to find, especially in her industry. Thanks Gayle! ”
Sara C - Graphic Designer
“Gayle helped me and my fiance purchase our first home! I am so not a numbers person, and she was great at explaining things in a way first time homebuyers like us could understand. She never hesitated to quickly send us what numbers looked like on homes and condos we were interested in, as we wanted to keep our monthly payment at a certain amount. She thoroughly explored the options on how to get us the best rate and monthly, and explored options for us to consider down the road. Gayle kept us feeling positive and confident, which isn't easy as a first time buyer. Great communication. We will be back!”
Linda H - Insurance Agent
“I have seen Gayle work her "magic" with mortgages for around 13 years now. This is a small community where word gets around quickly regarding customer service, professionalism and knowledge. Gayle gets the job done and has happy clients that return to her for refi's and new purchases. Gayle is caring and hard working, and has a way of putting people at ease during a very stressful time in their lives.”
Nora M
“Gayle guided us through the refinance of our home and was the best mortgage broker that we have worked with. She was extremely professional and competent throughout the process. We would highly recommend her to anyone obtaining a loan or refinance.”
Kelly R - Landscape Architect
“I worked with Gayle when I purchased my home in 2011. She was always quick to respond to my numerous emails, as a first time home buyer I definitely had many questions. I purchased a "short sale" house which took several months of negotiations with the bank; Gayle was attentive to my needs and requests through it all. It was clear that she was very well versed to the ins and outs of the mortgage industry especially during these dynamic times in the real estate market. I was was able to lock in at an excellent rate and I am so happy with my home. Thank you ”
Patrick Murray - IT
“Gayle has been a fabulous asset to us. She was recommended to us by our broker Gary Bramon. She helped us finance our first home purchase here in California, and was absolutely awesome to work with. That was almost 4 years ago. After watching the interest rates drop the past year, we thought it would be a good idea to refinance the new house, and once again Gayle stepped up to the plate. Awesome to work with again, she knew the ins and outs, and guided us through another fabulous mortgage. She is by far the most knowledgeable and professional broker to work with. I would not hesitate to recommend her with out any reservations. Gayle would be an asset to anyone looking to sign their first mortgage, or refinance an older one. No question ever went unanswered until we were comfortable with the knowledge we sought. Our recommendation - YES! Work with Gayle, you will not be disappointed.”
Renee Cacchi
“We recently had the pleasure of working with Gayle Arrowood from Homebridge Bank for our first home purchase. Right from the start Gayle worked hard to make sure we were getting the best loan for us. She quickly processed all necessary documents for our pre-qualification so we could get the ball rolling on finding the right house. Whenever we were ready to make an offer Gayle was available and efficient in providing the necessary documents. Even in time sensitive situations outside of business hours Gayle made sure to have all things ready to go and available. She worked very well with our wonderful realtor, Denise Lucchesi and together they made a great team that helped us find the right home. I highly recommend Gayle for your loan needs.”
Martin Holland - Property Management
“I would recommend Gayle to anyone needing a mortgage. She gets it done! She is easy to work with, but gets the deal done when promised (which was very fast) and at the terms quoted. I would not call anyone else. Highly recommended!”
Dan N - Purchasing Manager
“Gayle is awesome to work with. This was my second time working with Gayle, and I would return to her again if needed. Gayle is super friendly, knowledgeable and prompt in returning calls and emails. Highly recommend Gayle and appreciate all that she did for me. Great person to deal with!! Thanks Gayle”
Lynn Surick - Account Manager
“Gayle has done a few mortgages for me over the past 15 years and each one was painless and problem free ... Gayle makes this difficult and confusing process easy for those of us who do not work with mortgages on a regular basis. I don't feel like I have to recheck each detail over and over as I know she will do it for us and catch anything before it gets to us to sign. She is always honest, professional and knowledgeable about every aspect of the process from start to finish and actually makes it pleasant. She is good at explaining everything so you can understand what is happening and why and what info you need to gather together to get the loan completed. My husband is an independent contractor and when things started to get messy because of that issue on our latest loan she found the fix for us. I would highly recommend her to anyone looking for a new loan and/or a refinance as we just did to get a lower rate AND a nice lower payment of a few hundred dollars!!!”
Gurpreet S - RN Nurse
“Gayle arrowood is the best loan officer, she guided us with our loan process , she emails and answered all our questions promptly and in a very through sincere manner , we are so happy that we got best loan officer .”
Francie R - Retired
“Gayle was wonderful throughout the entire loan process. She answered all my questions & kept me informed every step of the way. She is professional, knowledgeable, helpful, kind & friendly. She made the process less intimidating for me. I now am a happy first time home owner. thanks to Gayle!”
Daniel Huynh - Pharmacist
“I started working with Gayle after my original lender left Homebridge and she's even better than I would have ever expected. The loan process went extremely smooth and we closed on time. Matthew and Gayle were very helpful and easy to communicate. Gayle did a great job teaching me along the way. I will be going through them again and were be referral many more people.”
Tiffany Diage - Medical Device Industry
“Gayle is awesome. As a self employed home owner she went above and beyond to help me re-finance my mortgage. She provided initial review and assessment of my financials before we even began the process. She's really knowledgeable and so friendly to work with. I'll be using her for all my home loan needs.”
Lynn Leonardi - Social Worker
“Gail and her assistant Matt were completely available, helpful, responsible and professional. I had the best refinance experience, and highly recommend her.”
Julia H - Social Worker
“Gayle and the entire Homebridge staff were awesome from start to finish. Extremely professional, prompt, and responsive to our questions and needs. I could not have had a better experience with purchasing my first home. Even the amount of paperwork at signing was minimal, which was a huge surprise! Gayle was even nice enough to attend the signing- even though it was in Santa Rosa and outside of her normal business hours. I would highly recommend Gayle as a Mortgage Broker- she knows what she is doing and does her job well. If you want a hassle free and professional experience- take your business here...”
Joel T - Insurance Agent
“Gayle was professional, competent, thorough and worked with us through every step of our home buying process. She went above and beyond when it came to our somewhat lengthy home search. She followed up immediately whenever there was a question and made sure that our loan was the least complicated part of purchasing our home. She even took the time to sit in at our escrow signing. I will use Gayle for any future purchases and would highly recommend her to anyone looking to purchase or refinance a property. Easy 5 star!”
Regina Tuohy - Labor Relations Rep
“Gayle just helped us close on our home. We were three days into escrow with a 25 day close contract. The home needed more work than we anticipated and we needed a loan with less money down so we could do the work after closing. Our other lender didn't have a product that would do that so we were scrambling to find someone who could close the loan in 22 days. There were some hiccups but Gayle and Matthew were constantly in touch with us and helping us work through the conditions to close on time - and we did!”

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