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Jay & AlexHOME LOANS · HAPPYDOG
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Two loan officers.
One team in
your corner.

Personal mortgage guidance in Chico, California,
from Jay Jones and Alex Wahba.

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MEET JAY & ALEX

Get to know your loan partners.

Most loan officers work alone. We work together, so you have two people who know your goals and can help move things forward. That means support when one of us is traveling and less waiting for answers. Working as a team gives us more flexibility to connect outside regular business hours when your schedule calls for it.

Alex Wahba in Chico, California

Alex Wahba

Loan Officer

NMLS #2666977

Local Mortgage Guide, Chico, CA

Some of my favorite conversations are with people who are still figuring things out. Whether you’re planning to buy in a few months, a few years, or just wondering if homeownership is even in the cards, I’m happy to help you build a plan without any pressure.

I'm eager to translate the technical side of mortgages into information that actually makes sense. The mortgage world is full of acronyms, guidelines, and industry jargon, and I believe people make better decisions when they truly understand their options. My goal is to help you cut through the noise, get clear answers, and feel confident about your next steps!

At the end of the day, I want to be more than just the person who helps you get a loan. I want to be a trusted resource you can call when you have questions, need a game plan, or just want a straight answer.

When I’m not helping clients you’ll find me spending time with my daughter, tackling a DIY project, wrenching in the garage, or getting outside for a hike whenever I can.

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Jay Jones in Chico, California

Jay Jones

Loan Officer

NMLS #1140576

Local Mortgage Guide, Chico, CA

I moved to Chico in 2017 and instantly fell in love with the town and everything it has to offer. I’m a family man, and my best friends are my wife and daughter. When I’m not with them, I’m usually sampling Chico’s local coffee shops.

I’ve spent nearly 10 years helping families in Chico and Butte County buy, build and refinance their homes. Alex and I built our team around a simple idea: local homebuyers deserve a mortgage lender who answers the phone, explains every option and works hard to find the right home loan.

As a licensed loan officer in California and Oregon, I focus on move-up buyers and specialty financing. That includes down payment assistance programs for first-time homebuyers, reverse mortgages for homeowners 62 and older, construction loans for building a new home, HELOCs for tapping into home equity, and buy-before-you-sell solutions for buyers who need to purchase their next home before selling their current one. Because we’re a mortgage broker with access to multiple wholesale lenders, Alex and I can compare programs and rates to find the best fit for each client.

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Local mortgage education from Jay & Alex · Go Rascal Inc., Company NMLS #2072896

THE INDEPENDENT BROKER ADVANTAGE

More lenders. More options. Two people helping you compare.

As independent mortgage brokers with HappyDog, we shop multiple wholesale lenders to help find a loan that fits your situation. We compare more than interest rates. We help you understand the fees, monthly payment, cash needed at closing, and tradeoffs between loan options.

Whether you’re ready to buy, thinking about refinancing, or just making a plan, you’ll have both Jay & Alex helping you make sense of the choices.

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WORKING WITH JAY & ALEX

Before we talk, you might be wondering…

Do I need to be ready to buy?

No. We’re happy to help you understand your options and build a plan, whether buying is a few months away or further down the road.

What happens during our first conversation?

We’ll talk about your goals, timing, comfortable payment range, and questions. From there, we can discuss what information would help us evaluate your options.

How do you compare mortgage options?

As independent mortgage brokers, we shop multiple wholesale lenders. We help you compare rates, fees, monthly payments, cash needed at closing, and loan requirements.

Will I work with Jay or Alex?

One of us will be your lead loan officer and main point of contact, so you’ll always know who is guiding your loan. We work together behind the scenes, with the other available for support and coverage. You’ll have personal attention from your lead and the benefit of a team that knows your goals.

Does contacting you start a loan application?

No. Our contact form is a way to ask questions and discuss next steps. It is not a loan application.

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What would you like to do next?

Explore home purchase, mortgage preapproval, and refinance options with our Chico mortgage broker team. We help buyers and homeowners throughout Butte County and across California, Oregon, Texas, and Illinois.

Purchase a homeExplore preapproval, down payment assistance, loan options, and payment planning.Explore purchase optionsRefinance a homeCompare refinance, HELOC, home equity loan, and reverse mortgage options.Explore homeowner options

CLIENT REVIEWS

Hear from the people we've helped!

“He and his colleague Alex were so helpful and easy to talk to.”
Amy D.Review of Jay Jones · Read reviews on Experience.com
“…always made sure to call and explain everything before sending anything over for signature.”
Alisha S.Review of Alex Wahba · Feedback about her first-time home buyersRead reviews on Experience.com
“He communicates well and kept us informed through out the process.”
Virginia B.Review of Jay Jones · Read reviews on Experience.com

Reviews are provided directly by Experience.com.

Alex Wahba

Read Alex Wahba's reviews on Experience.com

Jay Jones

Read Jay Jones's reviews on Experience.com

Licensed in four states.

Jay & Alex can help with home loans in California, Texas, Oregon, and Illinois.

  • California
  • Texas
  • Oregon
  • Illinois
Map of the contiguous United States highlighting California, Oregon, Texas, and Illinois
Licensed states are highlighted in gold.

CLEAR COSTS AND LOCAL GUIDANCE

Know Who You’re Working With and What to Expect

HappyDog Home Loans, a trade name of Go Rascal Inc. Our office is at 300 Salem Street, Chico, CA 95928. Call HappyDog at (530) 267-6262. Go Rascal Inc. NMLS ID: 2072896 | Branch NMLS ID: 2727855.

Because we’re a mortgage broker, we compare loan options from different lenders. Costs aren’t one-size-fits-all; they depend on the lender, loan program, property, and selected rate and points. Depending on the option, costs may include lender charges, broker compensation, discount points, appraisal and credit fees, title and escrow services, recording fees, taxes, insurance, and prepaid or escrow deposits. Broker compensation is paid either by the borrower or by the lender, never both on the same loan. The amount and who pays it will be shown on your Loan Estimate. In many cases, lender credits may cover some or all eligible costs. We’ll review the estimated costs for your specific loan with you before you decide how to proceed. No hidden charges or surprise line items at closing.