Today we’d like to introduce you to Jessica Hobbs.
Hi Jessica, it’s an honor to have you on the platform. Thanks for taking the time to share your story with us – to start maybe you can share some of your backstory with our readers?
I didn’t start in mortgage with a big title, I started as a bank teller.
Day after day, I sat across people making some of the biggest financial decisions of their lives. I listened to their stories, their fears, and their goals. I learned quickly that trust mattered more than transactions, and that the right guidance could change someone’s future.
That mindset is what changed the trajectory of my career.
While working as a teller at U.S. Bank, I became deeply invested in understanding the mortgage process so I could better serve the clients in front of me. I wasn’t just handing off referrals, I was educating, advocating, and connecting people to solutions. That commitment led me to become the highest referring mortgage partner at U.S. Bank in our area, which ultimately opened the door for me to join the loan officer team.
But production was never the goal, impact was.
Today, I’m proud to produce $15+ million annually, working primarily with police officers, firefighters, military families, and first-time homebuyers. These are people who serve, protect, and often put others before themselves and they deserve a lender who will do the same for them.
My approach is simple: clarity over confusion, honesty over hype, and service over sales. I believe homeownership should feel empowering, not overwhelming. I walk my clients through every step, advocate for them like they’re my family, and make sure they fully understand their options because this isn’t just a loan, it’s their life.
From teller window to trusted mortgage advisor, my journey has been built on relationships, integrity, and showing up consistently for the people who count on me. And that’s exactly how I plan to continue.
Would you say it’s been a smooth road, and if not what are some of the biggest challenges you’ve faced along the way?
I joined mortgage full time mid June 2018, spent some time in training and jumped in as a single mom at the time to two young kids. I built my mortgage career in some of the hardest times for many people.
Mortgage is a rate-driven world. When rates are low, phones ring. When they’re high, fear gets loud, trust gets tested, and finding clients becomes about far more than numbers. There were seasons when it felt like everyone was chasing the same deals, racing to the bottom on rate, and forgetting the human on the other side of the loan. I learned early that I didn’t want to compete that way.
Then COVID hit and everything changed.
For many people, that time meant working from home, slowing down, and navigating isolation in new ways. For our family, it looked very different. While the world shut down, my wife, who serves as a police lieutenant, was going to work every day, stepping into uncertainty and risk while most people stayed home. I was carrying the responsibility of serving my mortgage clients at a time of absolute chaos, while also holding our household together and raising four kids in a blended family, all trying to make sense of a world that felt upside down.
There were days that felt impossibly heavy.
I was fielding panicked calls from buyers and homeowners unsure of what was next, managing shifting guidelines and nonstop change, helping people make life-altering decisions all while worrying about my wife’s safety, supporting our children emotionally, and trying to show up strong when I felt anything but.
And yet that season clarified everything for me.
I didn’t want clients who chose a lender based solely on rate. I wanted to serve people who valued guidance, advocacy, and trust people who needed someone steady when the noise got loud. I leaned harder into relationships, into education, and into serving those who serve others: police, fire, military, and first-time homebuyers who needed patience, clarity, and someone who truly understood pressure.
That commitment is what built my business.
Today, I consistently produce $15+ million a year, not because I chased every deal but because I stayed rooted in service when it would’ve been easier to quit or conform. I became known as the loan officer who could turn a no into a yes, I took the hard loans and found solutions. I know what it means to carry responsibility. I know what it means to make decisions under stress. And I know how powerful it is to have someone in your corner who doesn’t disappear when things get hard.
My story isn’t just about mortgage it’s about resilience, family, and choosing purpose over convenience. And that’s exactly how I show up for every client I serve.
Thanks – so what else should our readers know about your work and what you’re currently focused on?
What I Do: I’m a mortgage loan officer who helps individuals and families navigate homeownership with clarity, confidence, and integrity. I focus on education, strong communication, and long-term relationships not pressure or rate chasing.
What I Specialize In: I specialize in working with police officers, firefighters, military families, and first-time homebuyers. These clients often face unique income structures, schedules, and stressors, and I’m known for understanding those realities and advocating for them every step of the way. I’m especially skilled at guiding first-time buyers through the process in a way that feels empowering instead of overwhelming.
What I’m Known For: I’m known for being steady, responsive, and honest especially in challenging situations or rate-driven markets. Clients and partners trust me to explain complex situations clearly, set realistic expectations, and show up consistently, even when deals get difficult. I don’t disappear when things get hard, and I treat every transaction like it matters because it does.
What I’m Most Proud Of: Beyond production, I’m most proud of my community and charity involvement, particularly my work supporting law enforcement and first responder families. Through events, partnerships, and hands-on giving such as supporting police charities and creating spaces for connection and encouragement, I’ve built my business around service to those who serve others. Giving back isn’t a side project for me; it’s a core part of who I am and how I do business.
What sets me apart is that I show up when it’s hard. I built my career from the ground up, from bank teller to high-producing loan officer, which gives me a full-picture understanding of lending and how to solve problems before they derail a deal. As the spouse of a police lieutenant, I deeply understand pressure and responsibility they are under, which is why I specialize in serving first responders and first-time buyers with honesty, education, and advocacy. My work goes beyond the loan through consistent community and charity involvement supporting those who serve others.
Do you have any advice for those looking to network or find a mentor?
My biggest advice is to stop looking for a “title” mentor and start looking for people whose values, work ethic, and results you respect. Some of my most impactful mentors weren’t formal at all they were relationships built by showing up consistently, asking the hard questions, and actually applying the advice I was given. Networking has worked best for me when I focused on serving first, adding value, and building real relationships rather than asking for something right away. When people see that you’re reliable, coachable, and genuine, mentorship and opportunity tend to grow naturally from that.
Contact Info:
- Website: https://cfmtg.com/jessicahobbs
- Instagram: @jessicahobbsmortgage
- Facebook: https://facebook.com/jessicahobbsmortgage
- LinkedIn: https://www.linkedin.com/in/jessica-hobbs-38137a156/
