Fred Gruber is a California mortgage broker who works with self-employed buyers, homeowners and real estate investors — the borrowers whose tax returns don’t tell the whole story about what they actually earn.

For more than twenty years he has structured financing that doesn’t depend on a tax return: qualifying business owners on bank statements, a profit and loss statement, 1099s or assets, and financing investment property on the rent it produces. These are the files that get declined elsewhere, not because the borrower can’t afford the loan, but because the paperwork doesn’t fit a standard box.

He also handles reverse mortgages from age 55 — including a reverse second that sits behind an existing first, so a homeowner with a low-rate mortgage can access equity without refinancing it away.

Fred is a broker rather than a retail loan officer, which means he isn’t limited to one lender’s guidelines and has no product he’s expected to sell. He works with all borrower types, and chooses to focus his full attention on creating value for his clients.

Before mortgages, Fred spent roughly two decades in jewelry manufacturing, rising to President, and owned a software company that built accounting systems. That background is why he approaches a loan as a financial problem to be solved rather than a form to be completed, and why he has a particular ability to make complicated concepts easy to understand.

He is a Certified Mortgage Planning Specialist and a published author. His purpose, on his desk and in his work, is simple: I Create Value Through Integrity.

CA DRE #01455710 · NMLS #256707