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

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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

Why Closing Old Credit Accounts Can Hurt Your Mortgage Approval
January 9, 2026
When you are preparing to buy a home, it is natural to want your credit profile to look clean and organized. Many buyers think closing old credit accounts will improve their score, simplify their finances, and make them appear more responsible to lenders. In reality, closing old accounts can have the opposite effect. Those accounts play a much bigger role in your credit profile than most people realize and shutting them down can create sudden changes that impact your mortgage approval.
What to Know About Fractional Homeownership and Mortgages
January 8, 2026
Fractional homeownership is becoming more popular as buyers look for creative ways to enjoy a second home or vacation property without taking on the full cost. Instead of owning one home entirely, you purchase a fraction of the property and share ownership with several other people. While the idea sounds simple, fractional ownership comes with unique rules, financing challenges, and long-term commitments that every buyer should understand before moving forward.
Mortgages for Parents With Young Kids and What to Consider
January 7, 2026
Buying a home when you have young kids brings unique challenges, but it also creates opportunities to build stability for your family. Your priorities might look different from other homebuyers, and your financial decisions may need to reflect the needs of a growing household. By planning ahead and understanding what matters most, you can choose a mortgage that supports your budget, your lifestyle, and your long-term goals as a parent.

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Don't hesitate to call us at:
(818) 707-4131,
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