Fred Gruber

CMPS, Senior Mortgage Loan Officer First Rate Team Powered by AmeriFirst Financial, Inc. NMLS #256707, CADBO-256707
Fred Gruber has over 40 years experience in the business community. Using his excellent financial and analytical skills, he develops financial models and tools to present complicated concepts in simple terms. Fred has provided thousands of mortgages for a variety of clients and scenarios; from simple to complex qualifying situations.

Fred’s focus in educating clients is forefront; with guidance as the cornerstone of a practice that assists homeowners and buyers. Fred will present multiple options to make sure the borrower has an opportunity to make the best decision in selecting an appropriate strategy for financing their home. Fred uses a deep understanding of lending guidelines to uncover obscure options for borrowers, rarely leaving a stone unturned in the most complicated of situations.

Following a referral based business model, Fred recognizes that every transaction has two clients: the borrower and the referring party. Developing lifelong clients who become friends as well underscores his commitment to helping people achieve their goals.

The First Rate Team powered by AmeriFirst Financial, Inc. is a Mortgage Banker and Direct Lender with offices in Westlake Village, California, located in the heart of the Conejo Valley Business District. From its inception in 1989, First Rate Financial Group has become well known for its service, integrity and experienced loan consultants. Now part of the AmeriFirst Family, First Rate looks to expand on the programs and service we have been known for.


Dec 17, 2017
RE investor
I used Fred for all my loan needs , both residential and commercial, for over 5 years.
He and his crew always delivered.
I would highly recommend him.
Dec 1, 2017
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.
Nov 17, 2017
I only hope that I can adequately express how much I appreciate Fred and how much he guided, assisted and encouraged me during my extremely roller coaster-like (for me) process of finding and buying a house. I changed my mind on prospective houses several times. As everyone knows, there is a lot of paperwork and organization that goes on during this process. Fred and his team helped me so much, always keeping me informed and making sure all avenues were covered and up-to-date. Fred was always available, making me feel comfortable and letting me know that finding me the best house was his priority. REALLY - I can't thank Fred and his team enough. They did it and I am forever grateful.
Oct 31, 2017
Registered Nurse
My husband and I found out about Fred, through our Real State / Broker, David Wolloch. Before working with Fred, we had reached out to multiple loan officers and no one treated us the way Fred did. Fred walked us through every step of a home purchase loan. Fred was thorough and patient but worked efficiently at all times. He looked out for our best interest and helped us find extra funds for our closing costs. Fred and his team made our first home purchase an experience amazing! Thank you Fred and all your team. I would definitely recommend to everyone!
Oct 30, 2017
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.
Oct 18, 2017
Home owner
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.
Oct 2, 2017
I am grateful for the efficiency with which Fred and his office staff worked. Phone calls were consistently returned in a timely manner. Fred was particularly helpful and gracious in explaining terms that were part of his daily life in finance and yet unfamiliar to me because I work in a completely different field of expertise.
Sep 11, 2017
I recently decided to downsize and began researching mortgage options for my new townhouse. I had used Fred before for a refinance so I gave him a call. Forget researching on my own! Fred is a true professional who gave me the entire picture of the current mortgage market. Most importantly, I have 100% confidence in his integrity so I basically just sat back and let him do the work. I focused on finding the townhouse I was looking forward and am delighted that the whole process went through without a hitch. I highly recommend Fred to anyone who needs expert advice on mortgage options - he's more than a mortgage broker - he's a trusted advisor who will keep your interests top priority.
Aug 28, 2017
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!
Aug 22, 2017
Fred and his team are incredible. They worked tirelessly to make the home buying process as smooth as possible, always taking the time to answer any questions i had along the way. I highly recommend Fred and his team to anyone!
Aug 17, 2017
Real estate Agent
I have been working with Fred Gruber for at least 14 years and he has work ethics that is hard to match. When I refer Fred to my clients, I know that he will hand hold them as well as work hard to find them the best rate and research the best loan for their individual needs. His work ethics, his knowledge of the lending market and his perseverance is unmatchable. I have been selling homes for over 30 years and I know when a lender is good or not. My clients are demanding and I want them to have the best. I am confident in referring Fred to my clients.
Aug 4, 2017
Fred did a fantastic job for me in securing a loan at a very favorable rate under difficult circumstances and for a very demanding client (me). I consider him to be an utmost professional and have no hesitation in recommending his services.
Aug 4, 2017
Fred has been my mortgage broker since 2013. He explains everything in great detail and truly cares about saving you money. His approach is unique where instead of simply trying to find the best interest rate, he asks questions in such a way that considers your actual needs. Sometimes going to the lowest possible interest rate isn't the best answer and I appreciate that he recognizes this! In addition to all of this, he is very personable and patient. I highly recommend his services.
Jul 31, 2017
Fred was amazing to work with from start to finish. Our loan process was super smooth and stress free. We definitely recommend working with Fred!
Jul 31, 2017
Fred is as professional as they come. He was honest and upfront from the very start and I always felt he had my best interests in mind. His presentations were very clear and informative. Plain and simple- Fred knows what he's doing and he's great at it. It was a great experience with a lender for a change.
Jul 25, 2017
Senior Claim Specialist
I highly recommend anyone who wants to check on financing or re-financing real estate to converse with Fred Gruber first!
I have just completed a 2nd refinance using Fred Gruber, and it was as near to "easy breezy" as I could ever imagine. Fred is organized, communicative, honest, has integrity and will tell it like it is. From Fred to everyone who assists and works with him to make it happen; they are a smooth running operation. Everyone is friendly, and professional. He keeps your confidence, he doesn't judge, he is a wonderful person to work with. Thank you!
Jul 25, 2017
Private Chef & Cateter
Fred did a very good job getting me a loan. It was not an easy task eith my particular situation but Fred was able to be creative and he managed to get me a good rate without having to pay a ridiculous amount in closing costs. I found that Fred & his staff friendly & professional and would definitely recommend him to my family and friends.
Jul 20, 2017
Producer / Owner, Pinto Productions
I first met Fred in 2010. Since then he has done several loans for me, my parents, and a number of our friends. Fred is reliable and honest, and he really cares about developing a long-term relationship, not just closing the deal. Everyone on his team has a long history in the mortgage business, so there are very few surprises. Even with all of the crazy new documentation requirements, they do a great job of setting expectations and keeping everyone in the loop. Using Fred Gruber for all of your mortgage needs is a no-brainer!
Jul 19, 2017
I've known and been working with Fred now for 4 years. Fred is a master of his craft. Being a realtor I work with many lenders. Whenever I have an opportunity to recommend my clients a lender, Fred is always my number one choice. Having Fred as the lender on any deal I am in provides me with extra confidence and ease. I know a transaction will be smooth and seamless when he is involved. He is a man of his word and his team is made up of the utmost professional staff in the business. I highly recommend Fred to my realtor colleagues, my clients and my personal friends and family for all mortgage lending needs and will do so as long as he's in business! If you want a lender who truly cares about all your needs and that you can trust from A-Z, you should reach out to Fred Gruber and his team! Thank you for all that you do Fred!
Jul 18, 2017
V.P. of Revenue
I have worked with Fred twice (one new mortgage and one refinance) and each time he has presented me with outstanding service, depth of knowledge and expert advice that have amounted to incredible results. In both cases, the process was quick and easy. I look forward to working with him again - although, my refinance loan was so good that I might never need to.
I would highly recommend Fred to anyone interested in a loan. He will absolutely get you the best deal.
Jul 17, 2017
I used Fred Gruber for a refi last year. He did an outstanding job researching the best option for me. Not only is Fred knowledgeable on all the laws, rules and regulations in finding the best rates and terms he also knows how to step out of the box for different alternatives, depending on the situation. Fred is my first, last and only choice for real estate financing.
Jul 14, 2017
Business Manager and CPA
I have used Fred Gruber numerous times for my personal purchase and refinancing needs as well as the financing needs of my of my clients. It is with great pleasure and without reservation that I recommend Fred Gruber for all of your loan needs. Not only is Fred delightful to work with, he and his team are among the most diligent in the industry and will work tirelessly to get the job done and make sure the loan you get is the best fit for your situation. Moreover, Fred brings a unique set of talents to his clients priding himself on providing creative solutions for some of the most difficult financing situations.
Jul 12, 2017
What I like about Fred is that he consistently provides a high level of service to each of my clients who are purchasing and refinancing their homes. Specifically what I expect and am pleased with is his initial consultation (because clients need guidance on what type of loan to get looking at the big picture/planning for future so money is not wasted), interactive spreadsheet so clients can visually see the options and make real time scenario changes to evaluate options saving time and he gets loans done on time doing what he promises. He is an exceptional loan professional.
Jul 11, 2017
Real Estate Broker, Owner
I was introduced to Fred through a transaction representing a very good friend, and he has been a go-to lender for me since that time. Fred is experienced, knowledgeable and candid, everything I want and expect in someone that I'm going to put my reputation on the line by referring. Fred and his team, including his amazing processor, Bonnie, have gotten the job done on time or early in every transaction we've been involved, and have been outstanding at helping to resolve difficult challenges when they arise. In addition, Fred has been extremely helpful and patient with prospective clients in the pre-qualification process. I wholeheartedly recommend Fred and his team in any situation.
Jul 10, 2017
When it comes to getting mortgages funded, you can't beat Fred. He and his team are always responsive and professional every step of the way. I have had multiple clients who planned on using their own lenders, only to find that they weren't performing. I referred them to Fred who always gets the deal done. Most recently, I am working with first time buyers who were loyal to their credit union, which made them jump through hoops and they still couldn't get loan approval in time to submit an offer. Fred approved them quickly and we're just about to close on their new home! Fred makes my life easier and a highly recommend him!

Partner Network