Company NMLS 1777223 |  Personal NMLS 256707  |  CA-DRE 02075839

Mortgage Application Form
Apply Now
Apply Now
Ready to apply? Click Below
Property interest rate,finance loan increase.investor planning.business real estate.profit of banking.businessman thinking strategy analysis
Get a Rate Quote
Get a Rate Quote
Click to get a rate quote now!
Loan Process
Loan Process
Loan Process
Learn More about the Loan Process

About Fred

Fred GruberWith over 30 years of experience as an accomplished COO and CFO in the Jewelry and Computer Software industries, Fred Gruber brings unparalleled financial and analytical acumen to the lending industry. Over the past decade, and with the same drive and passion, Fred has developed a reputation for providing superior client service. A Broker himself, Fred chooses to focus 100% of his attention on creating value for his clients. Fred has a unique ability of developing easily understood computer-based financial solutions that assist in communicating advanced concepts.

As a Certified Mortgage Planning Specialist, Fred is committed to fully understanding and creating solutions to his clients’ financial needs and strategies. He uses state-of-the-art technology to enhance customer service and minimize effort required on his clients’ part and keeps open lines of communication.

Client Reviews

"Could not have asked for a better home buying experience with regards to our loan. We recently found our dream home, and needed to navigate through several financial obstacles to make it happen. Fred’s relentless work on our loan, and knowledge of how to navigate the waters of today’s loan approval environment enabled our dream to become a reality!"
"This staff was incredibly helpful. This was my first home purchase and I had plenty of questions. Fred and his staff always took my calls and helped walk me through all parts of the process. I would highly recommend."
"Fred and his staff are very knowledgeable and professional. Fred will take the time to explore all of your options and find the right one for you. Then his staff will make sure that it all goes through as planned. Together they make the process easy."
"I would highly recommend Fred and his team to anyone looking to refinance their home. They treated us with respect and were there every step of the way. Any questions that we had his door was always open. He made the process stress free and very easy for us. Accommodated our every need. Thanks again Fred and looking forward to work with you in the future."
"Fred and his team did a great job closing this loan on time. We were especially pleased he was willing to fund a VA loan."
"Fred and his entire team were a pleasure to work with, regarding our first mortgage! Fred's Knowledge, level of support, frequent communication, and quick responses made our transaction feel very comfortable. i would highly recommend Fred for any lending need!"

The Latest News

How Child Support and Alimony Payments Affect Mortgage Qualification
April 23, 2025
When applying for a mortgage, lenders carefully assess your income and debt to determine your ability to repay the loan. If you receive or pay child support or alimony, these payments can significantly impact your mortgage qualification. Understanding how they factor into your debt-to-income (DTI) ratio, income calculation, and overall loan approval process can help you better prepare for home financing.
The Pros and Cons of Using Gift Funds for Down Payments
April 22, 2025
For many homebuyers, especially first-time buyers, saving for a down payment can be one of the biggest hurdles to homeownership. Fortunately, gift funds, money given by family members, close relative, or even an employer can help bridge the financial gap. While using gift funds can make homeownership more attainable, there are important benefits and potential drawbacks to consider before relying on them.
What’s Ahead For Mortgage Rates This Week – April 21st, 2025
April 21, 2025
While the week had a significant absence of impactful data releases, there are still the notable U.S. retail figures numbers, as the turbulent tariff policies that have been announced have sent shockwaves across many industries. This time the U.S. retail sales have seen a significant jump as consumers try to get ahead of the tariff policies, although it is suspected that the subsequent data will show a significant curtailing of purchasing power by consumers. This restraint in the future is what has most analysts concerned about the future in addition to inflation rising as a result of the tariff policies.

Interested in applying? Get pre-qualified now!

[forminator_form id="8941"]

Any questions?

Don't hesitate to call us at:
(818) 707-4131,
or leave us a message through our contact form on the left.

We'll be in touch as soon as possible!