Palmdale-based mortgage professional Gabriella Godde continues helping homebuyers, homeowners, and real estate investors understand their financing options through personalized guidance, education, and access to a broad range of loan programs.
PALMDALE, CALIFORNIA — Gabriella Godde, widely known as the California Mortgage Girl, is celebrating nearly three decades in the mortgage industry. Since beginning her career in 1997, Godde has helped thousands of individuals and families navigate home purchases, refinances, and real estate investment financing.
Based in Palmdale, California, Godde is a licensed Mortgage Loan Originator with Groves Capital Inc. She works with clients throughout California and in other states where she is properly licensed or authorized to originate mortgage loans.
Throughout her career, Godde has helped clients navigate changing housing markets, interest-rate environments, lending guidelines, and regulatory requirements. Her longevity reflects her ability to adapt while maintaining a strong commitment to education, transparency, communication, and personalized service.
A Career Built on Trust and Education
Godde believes that borrowers should understand their options before making one of the largest financial decisions of their lives. Her approach begins with reviewing each client’s income, credit, assets, debts, property goals, and overall financial circumstances.
“My goal has always been to give clients clear, honest information so they can make informed decisions about their home financing,” says Gabriella Godde. “Helping families become homeowners—and remaining available to them long after closing—is what continues to motivate me. I am incredibly grateful for the trust my clients, real estate partners, and community have placed in me.”
Godde works with first-time homebuyers, repeat buyers, homeowners seeking to refinance, veterans and military families, self-employed borrowers, and real estate investors. Because every borrower’s situation is different, loan eligibility and terms are evaluated individually.
A Broad Range of Mortgage Programs
Through Groves Capital Inc., Godde helps borrowers explore a variety of residential financing programs, subject to applicable lender guidelines, underwriting requirements, property eligibility, and program availability.
Her areas of experience include:
- Conventional loans: Financing options for eligible borrowers, including certain programs offering down payments as low as 3%.
- FHA loans: Government-insured financing that may offer flexible credit and down-payment requirements for qualified borrowers.
- VA loans: Financing for eligible veterans, active-duty service members, and certain surviving spouses, often with no down payment and no monthly private mortgage insurance.
- USDA loans: Zero-down-payment financing for eligible borrowers purchasing qualifying properties in designated areas.
- Jumbo loans: Financing for loan amounts that exceed applicable conforming loan limits.
- Down-payment assistance programs: Programs that may help eligible buyers with down-payment or closing-cost needs.
- Non-QM and alternative-documentation loans: Potential options for self-employed borrowers, real estate investors, and borrowers whose circumstances may not fit traditional agency guidelines.
- DSCR investment-property loans: Financing that may qualify primarily through the property’s rental-income potential rather than the borrower’s personal income.
- Bank-statement loans: Alternative-documentation options that may allow qualifying self-employed borrowers to document income using eligible bank deposits.
- Renovation, manufactured-home, reverse-mortgage, HELOC, and other specialty programs: Additional options may be available depending on the borrower, property, loan purpose, and lender requirements.
General Mortgage Program Comparison
The following information is provided as a general overview. Requirements vary by lender, borrower qualifications, property type, occupancy, location, and current program guidelines.
| Mortgage program | May be appropriate for | Possible down payment | Potential benefit |
| Conventional | Eligible borrowers with qualifying credit, income, and assets | As low as 3% on certain programs | Flexible loan structures; mortgage insurance may not be required with sufficient equity |
| FHA | Borrowers seeking more flexible qualifying guidelines | As low as 3.5% for qualifying borrowers | Government-insured financing with flexible credit and down-payment guidelines |
| VA | Eligible veterans, service members, and certain surviving spouses | As low as 0% | No required down payment in eligible transactions and no monthly PMI |
| USDA | Eligible borrowers purchasing qualifying properties | As low as 0% | Financing designed to support homeownership in eligible rural and suburban communities |
| Jumbo | Borrowers financing amounts above conforming loan limits | Varies by lender and borrower profile | Provides financing for higher-priced properties |
| Down-payment assistance | Eligible buyers who need help with upfront costs | Varies by program | May provide assistance with the down payment or eligible closing costs |
Not all borrowers will qualify, and not all programs are available in every location or for every property.
Serving Palmdale and the Antelope Valley
Although Godde serves borrowers throughout California and other authorized states, Palmdale and the greater Antelope Valley remain central to her work and community involvement.
Her local experience helps her understand the financing needs of Antelope Valley residents, including first-time buyers, move-up buyers, military families connected to Edwards Air Force Base, homeowners, and real estate investors.
Godde also supports financial education through first-time homebuyer seminars and community outreach. These educational programs explain the mortgage process, including preapproval, credit, down payments, closing costs, inspections, appraisals, underwriting, and closing.
Her goal is to help prospective buyers prepare before beginning their home search and to make mortgage terminology easier to understand.
Combining Technology With Personal Service
The mortgage industry continues to evolve through digital applications, electronic documentation, automated underwriting, and artificial intelligence. Godde uses modern technology to improve communication and simplify the application process while preserving the personal guidance borrowers often need.
She also remains committed to continuing education and staying informed about changes to lending guidelines, compliance requirements, and available mortgage programs.
“Technology can make the process faster and more convenient, but borrowers still deserve a knowledgeable person who will answer their questions, explain their options, and remain involved throughout the transaction,” Godde says.
Begin With a Personalized Mortgage Review
Individuals considering a home purchase, refinance, or investment property can contact Gabriella Godde for a personalized review of their financing goals.
A mortgage consultation may help prospective borrowers better understand:
- Estimated purchasing power
- Potential loan-program options
- Down-payment and closing-cost considerations
- Credit and income documentation requirements
- Estimated monthly housing expenses
- Possible steps to prepare for a future purchase or refinance
Actual rates, terms, payments, and qualification requirements can only be determined after reviewing the borrower’s complete financial circumstances and the applicable property information.
About Gabriella Godde
Gabriella Godde, known as the California Mortgage Girl, is a licensed Mortgage Loan Originator with Groves Capital Inc. Based in Palmdale, California, she has worked in the mortgage industry since 1997.
Godde assists qualified homebuyers, homeowners, and real estate investors with Conventional, FHA, VA, USDA, Jumbo, down-payment assistance, renovation, alternative-documentation, and investment-property financing.
Her business is built on education, responsive communication, transparency, and long-term client relationships. She remains available after closing to help past clients understand mortgage-related matters and connect them with appropriate professionals when questions arise.
Media Contact
Gabriella Godde
California Mortgage Girl
Mortgage Loan Originator | NMLS #262012
CA DRE License #01357679
Groves Capital Inc. | NMLS #1678775
Phone: 661-713-3460
Email: gaby@californiamortgagegirl.com
Website: CaliforniaMortgageGirl.com
Location: Palmdale, California
Legal and Compliance Disclosure
This material is provided for informational and advertising purposes only and is not a commitment to lend or an offer to extend credit. It does not constitute financial, tax, legal, or investment advice.
All loan programs, interest rates, annual percentage rates, terms, payments, fees, and eligibility requirements are subject to change without notice. Loan approval is subject to credit review, income and asset verification, acceptable property appraisal, underwriting approval, and satisfaction of all applicable lender and program requirements. Not all applicants will qualify, and not all loan programs are available in every state or for every property.
Down-payment amounts and program descriptions shown are general examples only. Additional restrictions, mortgage insurance, guarantee fees, funding fees, income limits, property requirements, occupancy requirements, and other conditions may apply.
Gabriella Godde | NMLS #262012 | CA DRE #01357679
Groves Capital Inc. | NMLS #1678775
Equal Housing Opportunity