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What You Need To Know

GSF Products

  • FHA Fixed Rate and Adjustable Rate (ARM) Programs
  • FHA Low Down Payment Home Purchase Loans
  • FHA Low Documentation Streamline Refinance Loans
  • FHA 203K Full Documentation And Streamline Rehabilitation Loans
  • FHA Back To Work Program
  • FHA Cash Out Refinance Loans
  • FHA Reverse Mortgages
  • USDA 100% Financing Home Purchase Loans
  • USDA Pilot Streamline Refinance Loans
  • VA Fixed Rate and Adjustable Rate (ARM) Programs
  • VA 100% Financing Home Purchase Loans
  • VA 100% LTV Cash Out IRRL Loan
  • Lender Paid Mortgage Insurance Programs
  • Fannie Mae and Freddie Mac Fixed Rate and Adjustable Rate (ARM) Programs
  • Fannie Mae Home Path Loans
  • Fannie Mae My Community Home Loan
  • Fannie Mae Agency High Balance (JUMBO) Loans
  • Fannie Mae DU Refi Plus Unlimited LTV
  • Freddie Mac LP Open Access Unlimited LTV
  • First and Second Mortgage Combo Loans
  • Jumbo Home Loans
  • Jumbo Purchase High Loan To Value
  • Jumbo Rate and Term Refinance
  • Low Rate Jumbo Arm Loans
  • State Bond Programs
  • WHEDA (Wisconsin)

Our Systems

At GSF Mortgage, we offer a Cooperative Style Lending Platform. Our approach is not to take away the essence of the organization but to share operational, legal, underwriting, regulatory and compliance resources. GSF Mortgage offers a suite of systems that helps to streamline the loan process while staying within regulations and compliance.

Encompass Encompass is designed to address the challenges of mortgage professionals. Ellie Mae offers a full-featured, start-to-finish solution that automates virtually every step in the mortgage process from processing to closing and funding.
Optimal Blue Optimal Blue provides managed-content, enterprise lending services that helps navigate the complex mortgage process from capital markets, to point-of-sale and back.
Interthinx Interthinx understands that loan quality and data integrity are the foundation of effective financial services risk mitigation.


GSF is very proud that we have recently been approved as a Ginnie Mae Issuer. Ginnie Mae facilitates the securitization of government-insured products. They are not in the business of making or purchasing mortgage loans and do not buy, sell or issue securities.

We are pleased to share in Ginnie Mae's mission to expand affordable housing throughout the markets they serve. In 1995, GSF Mortgage was formed to provide solutions for borrowers pursuing homeownership. GSF's stability and expertise originating FHA, VA and USDA loans has allowed the company to meet the high standards of Ginnie Mae and become eligible for the privilege of becoming a direct servicer. This directly translates to offering more products, lessening underwriting requirements and lowering interest rates directly to the customer.

What does that mean for our originators?

The ability to issue Ginnie Mae securities will allow GSF to establish its own underwriting criteria within agency guidelines and retain the servicing rights of the borrower's. Our goal is to continue to serve our borrowers at the highest-level, beginning at origination and continuing as their servicer. Customer support and retention is at the core of our business plan and becoming a Ginnie Mae Issuer allows us an opportunity to be more to our borrowers over the life of their loan. As a member of our origination staff, this means that you will have the ability to retain your customer's future business, in the event of a refinance or new purchase. This is a huge step in preventing a competitor or alternate servicer to capture their attention when they are ready to get another loan.

Licensed States

Licensed States
  • California (CA)
  • Colorado (CO)
  • Delaware (DE)
  • Florida (FL)
  • Illinois (IL)
  • Indiana (IN)
  • Iowa (IA)
  • Kansas (KS)
  • Louisiana (LA)
  • Maryland (MD)
  • Massachusetts (MA)
  • Michigan (MI)
  • Minnesota (MN)
  • Missouri (MO)
  • New Jersey (NJ)
  • North Carolina (NC)
  • Ohio (OH)
  • Oklahoma (OK)
  • Pennsylvania (PA)
  • Tennessee (TN)
  • Texas (TX)
  • Virginia (VA)
  • Washington D.C. (DC)
  • Wisconsin (WI)
  • Wyoming (WY)

State Bond Programs

  • Home in 5 Program
  • Florida Housing Finance Corporation First-Time
  • Homebuyer Program
  • CDA Loan Programs
  • Minnesota Housing Mortgage Loan Programs
  • Department of Housing and Community
  • Affairs (TDHCA)
  • Welcome Home

Internal Communications


ThinkGSF is our internal portal where you can access important announcements, find documents including timesheets, PTO forms and review of compliance tutorials and webinars. Loan originators have a resource tab where they can find out in-depth information about loan programs, brokered business, bond and DBA programs and appraisal management.

ThinkGSF provides one-stop site access to:

  • daily rates
  • reports
  • helpdesk
  • GFE calculators
  • underwriting scenarios
  • GSF Gear Store

We use an internal social network to keep everyone posted on day-to-day information, important company announcements and marketing ideas. It is designed to encourage real-time conversations between team members across the country. It is a dynamic way to keep in touch. This helps us to reduce the number of company emails in your inbox.

Google Apps

Enjoy a consistent experience from your computer, tablet or phone. Draft a proposal in Docs at the office, review it on the train, then make final edits from your phone right before the meeting. Get more out of your workday. Schedule events in Calendar at times that work for everyone. Get meeting reminders directly to your Gmail inbox. With one-click, join a video meeting through Hangouts and share your Slides to review as a team. Less prep, fewer next steps. Connect with your Outlook email client or any other email client.

Recent Awards

GSF Mortgage is honored to be recognized for its achievements in company culture, leadership, production and technology. These awards would not have been possible without the strength and support of each of our team members.

  • 2011, 2012, 2013 USDA Platinum Million Dollar Lender
  • 2012, 2013 Mortgage Technology's Top Tech Savvy Lenders and Servicers
  • 2013 INC Magazine Hire Power Award
  • 2015, 2014 Milwaukee Journal Sentinel's Top Workplaces
  • 2014 Milwaukee Journal Sentinel's Best In Class
  • 2014 Milwaukee Journal Sentinel's Leadership
  • Mortgage Executive's 50 Best Companies To Work For
  • A+ BBB Rating
  • 5-Star Zillow Lender


When loan officers are looking to change jobs, it's about more than the money. It's about being able to close loans on time, receiving proper training and having confidence in managers' preparation for change.

Source: Origination News

Have you experienced the following problems with your current company? Click the icons to see what our sales teams have experienced at GSF.

Problem #1

Slow Process For Loan Approval

Problem #2

Lack Of Support

Problem #3

Challenging Systems And Technology

Problem #4

Online Marketing Challenges

Problem #5

Losing Past Customers To Competition Due To Rates

Problem #6

Low Customer Satisfaction

The testimonials presented on any of our Company's websites are applicable to the individuals depicted only and may not be representative of the experience of others. The testimonials are not paid and are not indicative of future performance or success of any other individuals.

Our Leadership Team

Chad Jampedro

Chad Jampedro


I began my career at GSF Mortgage in 2001 as a Loan Originator. I worked my way through the ranks serving as a Branch Manager, Marketing Director, Vice President and Chief Operating Officer before becoming President of GSF Mortgage. My duties now are to oversee the operations, direct marketing, production and secondary marketing departments of GSF. Under my direction as President, GSF Mortgage has earned the USDA Platinum Million Dollar Lender Award, been named among Mortgage Technology's Top Tech-Savvy Lenders and Servicers, awarded Inc.'s 2013 Hire Power Award, achieved Mortgage Executive magazine's 2014 50 Best Companies to Work For and recently been given a Top Workplace Award by the Milwaukee-Journal Sentinal. I have been named among National Mortgage Professional's Legends of Lending, 40 Under 40 and MPA's Hot 100 in 2014. GSF Mortgage maintains an A+ rating with the Better Business Bureau, a 91% Net Promoter Score and is a 5-star Zillow Lender.

Debbie Beier

Debbie Beier

General Manager

I have been with GSF Mortgage for six years. I started my career with GoGSF as an account executive, building the wholesale division. My experience in the industry includes sales in both the wholesale and retail channel and managing operations.

Currently, I am the General Manager for GSF Mortgage Corporation where I manage the day-to-day operations. I have one of the best operational teams in the industry. Together, we have made the loan process more efficient, which has allowed our originators to focus on taking care of their customers.

Bruce Olster

Bruce Olster

Chief Financial Officer

My mortgage banking career spans three decades. I have experience in Secondary Marketing, Finance, Warehouse Lending, Business Development and Strategic Planning. GSF is an exciting place to be right now because all of the elements are in place to aggressively compete and succeed in our industry. What do I mean? The licensing across all agencies has been achieved, therefore allowing direct secondary market access to the best rates for our customers; the capital is available to grow the originations across all channels; technology is in place at a cost effective price to compete with the largest industry originators and most importantly the experience of the staff and leadership is on board to execute the plan. Though the industry always changes, GSF has a 20-year track record of staying ahead of the curve. I am glad to be a part of the GSF team, especially now.

Mike Maida

Mike Maida

Regional Manager

My career in the financial services industry has encompassed origination, sales in the wholesale production channel, as well as secondary market employee management. I am currently the National Sales Director for GSF Mortgage Corporation. I oversee both development and production for retail, wholesale and correspondent lending channels. I provide leadership through effective communication of objectives, active coaching, skill development and results analysis. I assist my team in proactively identifying changes in market conditions, and advise them in how to develop, modify and maintain strategies and tactics accordingly.

Frank Papaleo

Frank Papaleo

Regional Manager

I am a 15-year veteran of the mortgage banking industry and have served in multiple functions within the loan origination environment. I've always enjoyed working one-on-one with my team and feel I have a natural ability to connect with others, helping them to realize and achieve their goals. Joining GSF in 2012 proved to be the most rewarding experience of my career. My goal is to assist in our company's continued growth and success, while maintaining the level of support and personal connection with my team that I value and have come to expect from the GSF organization.

Rich Obermeier

Rich Obermeier

Regional Manager

With over 25 years in the mortgage industry, I have worked with some of the largest bank-owned mortgage companies in the country developing retail and wholesale channels. In 2011, the national bank I was working with exited our market and I joined GSF. While at GSF, I've had the opportunity to work in several different positions from retail loan officer/branch manager to wholesale account executive. I am currently a Regional Manager and focusing on branch development and growth.

Elisa Ruer

Elisa Ruer

Corporate Attorney

Upon graduating from Marquette University Law School in 1998, I began my legal career as General Counsel for Evergreen Title, providing legal guidance in the areas of real estate, corporate law, and title insurance.

Evergreen Title Corporation closed in 2005, and I became Corporate Counsel for USA Funding, a mortgage lender and broker until it closed its doors. My experience encompasses all areas of mortgage lending, real estate law, compliance, corporate law and title insurance. May of 2015 I accepted a position as Corporate Counsel with GSF Mortgage Corporation.

I am licensed to practice law in Wisconsin and in May 2005, I passed the Florida Bar Exam and have been licensed since in Florida

Alyssa Schwabe

Alyssa Schwabe

Social Media & Public Relations

I recently joined GSF Mortgage upon graduation from the University of Wisconsin - Milwaukee where I earned a bachelor's degree in Journalism, Advertising and Media Studies, obtained a minor in Communication and a Digital Arts & Culture Certificate.

I assist all of our branches in setting up and implementing a social media strategy. Social media is always changing, so I make sure to keep up-to-date on the latest trends and pass them along to our branches.

I am passionate about giving back to the community. Since I started with GoGSF, the company has volunteered with Habitat for Humanity, American Cancer Society and Ronald McDonald House.

Marketing Support

Listing Pro

Listing Pro
At GSF Mortgage, we offer the following proprietary marketing solutions for each of our loan officers. You will not find these solutions from any other company:

Listing Pro is a Marketing Partnership Program designed to accentuate your Realtor relationships. The creation of a dedicated single property website, along with many other tools, will help you and your referral partner gain more buyer leads.

GSF Credit Care

GSF Credit Care is a completely free credit monitoring program for 90 days. There is no obligation and no upfront payment information needed. Customers may cancel at any time. Upon expiration, customers will be given options to continue or upgrade their membership.

Benefits Include:

  • 90 Day Membership
  • No Upfront Credit Card Needed
  • Access to Credit Report & Score
  • $1 Million Identity Theft Protection
Credit Care Banner

MBS Highway

MBS Highway is a cutting-edge digital platform that helps industry professionals to interpret and forecast activity in the mortgage rate and bond markets.

The brainchild of renowned mortgage industry executive Barry Habib, MBS Highway offers exclusive information that mortgage professionals can rely on for ultimate relevance, speed and precision.

MBS Highway has a mobile web application that you can easily use throughout the day. Everything on the full site is available for you to use on the go. There is no need to download apps and constantly update them. Just go to m.mbshighway.com from your mobile device

MBS TrendTRAKR MBS Market Quotes
Barry Habib

CMPS Institute

CMPS is like a minituare financial planning course that helps you understand how the mortgage fits into the overall context of a client's financial strategy. We've found that going to one training class isn't enough. That's why we include mortgage sales training, weekly coaching and implementation technology with your membership. Our sales platform is designed to help you measure:

  • How many closing you need to earn your target income goal
  • How many face-to-face meetings and phone conversations you need to reach your closings goal
  • How many contacts you need to make in order to reach your appointments goal
CMPS Insititute

Immediate Marketing Support

  • Your Business Card

    When making the transition to GSF Mortgage, you will not be alone. We have a dedicated onboarding team to help ensure a smooth transition and to answer any questions you may have. You will receive a warm welcome from our Marketing team and an overview of all the marketing resources available.

    Immediate Marketing Support Includes:

    • Business Cards
    • Personal GSF Mortgage Loan Officer Webpage
    • Press Release Announcing Your Transition
    • Social Media Support
    • Change of Company Collateral

About Us

Our Story

In 1995, our founders Phil Siebert and Jim Guzanick, launched GSF Mortgage Corporation in Wisconsin and Illinois. It wasn't long before the small mortgage brokerage garnered a reputation for its low rates, fair lending practices and remarkable customer service.

It was the company's loyalty to customers that led the firm in 2001 to transform its business model from a brokerage into a full-service direct mortgage lender. Soon, the company expanded outside of the Midwest, into multiple states across the country.

Under the company's new president, Chad Jampedro, GSF Mortgage continues to expand, yet remains dedicated to consumer education, process transparency and the ability to offer customers a wide selection of mortgage products. Our company has earned access and developed experience with nearly every agency and government-backed residential home mortgage program, while offering the most competitive and flexible terms available.

In addition to being approved as a Fannie Mae Direct Seller/Servicer, and most recently a Ginnie Mae Securities Issuer, we also provide support for state bond, rehabilitation, second-lien and Jumbo lending programs.

Nearly 20 years later, GSF continues to be recognized for its dedication to customers. Our GoGSF brand strives to combine state-of-the-art technology with customized loan programs, and a customer focused lending process. There is a reason why GSF Mortgage has more than 40,000 successful retail mortgage transactions to date and maintains an A+ Better Business Bureau rating.

We call it: "Lending In Your Favor."

Letter From The President

Thank you for your interest in GSF Mortgage and "TeamGO". I am thrilled to have an opportunity to introduce our company and share with you a little about myself and my time here at GSF. First and foremost, GSF offers a Cooperative Style Lending Platform, which is rare in our industry today. We encourage branch autonomy where possible. Our approach is to assist our branch partners in preserving the company culture that you have worked so tirelessly to build. Our approach is not to take away the essence of your business but to share operational, legal, underwriting, regulatory and compliance resources. Bringing successful business owners together to scale services, reduce costs and limit liabilities is the core of our offering. This is what truly differentiates GSF from the competition. We are a Fannie Mae Direct Seller/Servicer and a Ginnie Mae Issuer with more than 25 correspondent investors as well as 12 wholesale relationships. We also have access to portfolio lending products for Jumbo, home equity and non-traditional lending programs.

I began my career at GSF in 2001, joining the company as a Loan Originator. I worked my way through the ranks of GSF serving as a Branch Manager, Marketing Director, Vice President and Chief Operating Officer, before becoming President of GSF Mortgage in 2013. My duties include overseeing operations, capital acquisition, production, recruiting and secondary marketing departments of GSF. My exposure to multiple high-level aspects of the lending industry have contributed to a unique perspective and the ability to associate the duties and objectives of each department into an operational plan.

Under my direction as President, GSF has been awarded the USDA Platinum Million Dollar Lender Award three times; been named among Mortgage Technology's Top Tech-Savvy Lenders twice; the Inc. Hire Power Award in 2013 and most recently, both the Journal Sentinel's Top Work Places and Best In Class. I have been named among National Mortgage Professional's Legends of Lending and 40 Under 40; MPA's Hot 100 award; Mortgage Executive Magazine's 100 Most Influential Mortgage Executives in America and recently won the Journal Sentinel's Leadership award. GSF Mortgage maintains an A+ rating with the Better Business Bureau and is a 5-star Zillow Lender.

More important than any award or accolade, what I'm most proud of is the team that we have assembled to support our branches and their origination activities. This current team is the most capable, diligent group that I have ever worked with. We have talented, experienced managers in every department and it shows in our service capabilities and day-to-day support. This group will listen to your questions and concerns, understand your needs and get things done. After all, the ability to establish company relationships is the first step to creating a successful business.

I am also extremely proud of our stability and longevity. When you conduct business the right way, you are rewarded. We have been rewarded with nearly 20 years of successful business. In fact, we will be celebrating our 20th anniversary in early 2015. The strength to navigate through tough times comes from establishing trusting relationships with our sales and operational teams. Four of our branches have been with us from the very beginning and many more have called GSF Mortgage "home" for more than 10 years. Additionally, more than 75% of our employees have been here for more than 7 years!

We want you to know that you have a home here. We will support you in good markets and bad. At GSF, we have opened every channel possible for you to continue to do what you do best: close loans. If you are looking for a new and exciting opportunity with a company you are proud to call home, we hope you might consider a career with GSF Mortgage.

Chad Jampedro
All the best,

Chad Jampedro, President

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