Built on EXPERTISE. Driven by RESULTS. Dedicated
to YOU
25 Years of Industry Insight
Samantha Gilbert didn’t just start a mortgage company; she engineered a better way to borrow. With a 25-year career rooted in the high-stakes world of Mortgage Underwriting and Compliance, Samantha sees what other lenders miss.
As the founder of Ops Perfection and The Processing Lab, she has spent decades refining the operational engine that powers successful closings. At The Funding Lab, she brings that same energy directly to you – ensuring your loan is structured for success before it even hits an underwriter’s desk.
The Lab Advantage
Why do borrowers and partners choose The Funding Lab? Because we’ve replaced the traditional mortgage “black box” with a transparent, tech-forward formula:
- Underwriter-First Perspective: We identify potential hurdles early, using our years of compliance and operations expertise to clear your file upfront.
- Operational Perfection: Backed by Ops Perfection, your loan in handled with institutional-grade accuracy and zero paperwork-friction.
- Faster Closings: By utilizing The Processing Lab’s automated workflow, we aim for a faster, smoother escrow that makes your offer stand out to California sellers.
Quick Credentials
- Experience: 50+ Years in Sales, Management, Underwriting, and Processing.
- Specialty: Non-Qualified (Non-QM), Self-Employed, and ITIN Solutions.
- Licensing: NMLS # 2401339 – California DRE # 02201581
- Parent Company: Ops Perfection Corp (Est. 2019)
A Foundation of Perfection
Every great innovation begins by solving a problem. For Samantha Gilbert, that problem was the “friction” inherent in the traditional mortgage experience. With over 25 years on the front lines—spanning sales, compliance, and senior underwriting—Samantha didn’t just see the bottlenecks in home lending; she spent her career engineering the solutions.
In 2019, she founded Ops Perfection Corp to bring a new level of operational integrity to California brokers and non-profits. Soon after, The Processing Lab was born to automate and simplify the paperwork maze that often leaves homebuyers and loan officers overwhelmed. But Samantha knew there was one final piece of the puzzle: a mortgage brokerage that combined this elite-level technical “perfection” with a deeply personal, strategic mission for the borrower.
Why We Created The Funding Lab
The Funding Lab story is the culmination of decades of “stress-testing” the mortgage industry. We realized that while most banks focus on “the file,” we wanted to focus on the formula. By leveraging our deep roots in contract compliance and tech-driven processing, we’ve removed the typical stressors of document collection and approval delays.
What remains is a pure, strategic partnership. We use our 50+ years of insider knowledge to help you “SELL SELL SELL” (if you’re a partner) or simply “buy with confidence” (if you’re a neighbor).
Ready to Find Your Formula?
Whether you’re just starting your search or need a second opinion on a complex scenario, the best way to move forward is with a direct conversation. Use the buttons below to Reach Out and start your custom mortgage diagnostic today or visit our Research Library to do some more exploring.
Proven Formulas and Results
Precision in Every File
Behind our digital edge and friendly mascot is a foundation of rigorous professional standards. In fact, we specialize exclusively in the California market. As a result, we can ensure every loan is engineered to meet state-specific regulations with absolute precision. Ultimately, your financial future is backed by a team that prioritizes transparency and ethics.
Partner with the Lab
Are you a California-based Mortgage or Real Estate professional with a “Digital Edge”? We are looking for forward-thinking experts who are tired of friction and ready for a more efficient way to close. Whether you want to join our internal team or partner with us as a preferred Real Estate Expert, let’s engineer success together.
