Fred Gruber

CMPS, Director First Rate Financial Group NMLS #256707, CA-DRE #01455710
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.

First Rate Financial Group is a Mortgage Broker 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.

Fred's purpose is simply stated as "I Create Value Through Integrity."
Dec 7, 2018
I have had the pleasure of working with Fred Gruber and his team for almost 7 years on several occasions for all of our mortgage related needs. I can not stress enough how knowledgeable, resourceful, detailed, and dedicated they are. The absolute best in the business and others who I have recommended to work with them have said the same thing. I will continue using their services over and over again as I know that I am in very good hands, and anyone who gets to work with him will understand how much value and experience he brings to the table. Simply the best.
Oct 25, 2018
Professional all the way. I highly recommend Fred and his team.
Aug 8, 2018
Division Sales Manager
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!
Thank You
Jul 14, 2018
sales clerk at Joann fabrics
Fred Gruber was extremely helpful in helping us understand the financing process and he was with us every step of the way. Thanks to him I have a home to call my own!
Jul 13, 2018
Leslye Adelman
Fred made what was a frustrating experience tolerable for me. He and his staff had patience working with me. He responded quickly when I had questions or concerns and I was extremely happy at the end. Thank you, Fred.
Jul 3, 2018
Thanks Fred!! Worked his magic and got us a loan (while recovering from surgery)!!

May 3, 2018
I am now retired but I was in the manufacturing industry and the music industry.
Fred Gruber and his team were GREAT! I told Fred my problems, concerns and what I was hoping to achieve. He came up with information and a plan within a day or two. Gave me several options to choose from and we were on our way. This was the least stressful mortgage I have ever done. As long as I provided what they asked for they were quick with processing it. So much was done over the internet. No driving and meeting, it was a breeze. I highly recommend Fred and his team. They were the best and most knowledgeable I have worked with in a long time.
Apr 30, 2018
We recently purchased a income property and Fred was a huge help through the entire process. His team was responsive, and stayed on top of everything to make sure we could close in a timely fashion. Thank you Fred!
Apr 10, 2018
Fred and his co-workers are the best! They are very professional and truly nice to work with. Fred is so knowledgable and willing to answer any question. He has helped me and my son James refinance our condominiums under some complicated circumstances (fall-out of the mortgage crisis). We were able to accomplish our goals to lower interest rates on one, and receive cash out on the other. I highly recommend them, without reservation.
Apr 10, 2018
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.
Mar 17, 2018
Sr. Dir
I have used Fred Gruber several times and each time his customer focus and service exceeds my expectations. He and his team works hard to get me the best rates and terms and he consistently provides exceptional advice based on his vast knowledge. There is no one I trust more and highly recommend him for mortgage services.
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!

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