Fred Gruber

CMPS, Director First Rate Financial Group NMLS #256707, CA-DRE #01455710
Fred Gruber has over 45 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 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."
Apr 23, 2021
Fred was a terrific mortgage broker.
He was knowledgeable and professional.
We would definitely work with him again
In the future. We also liked his staff and
They went above and beyond to assist us with the paperwork.
Apr 16, 2021
Fred was awesome! The entire process was smooth and organized. Fred spend a fair amount of time on the phone with me explaining all the different scenarios that were available for my specific situation, outlining the overall financial ramifications of each one. My loan funded in half the time that we originally expected as well. Highly recommend Fred and his team, will definitely circle back for another refi when the time is right.
Apr 7, 2021
Great Service, straight forward and no nonsense. No wasted time and right balance of technology (easy to use) and personal support when needed. Very Satisfied!.
Apr 6, 2021
One of our friends referred us to Fred Gruber when discussing our plans to refinace our home. What a great referral! From the beginning to the end of the cash out refinance process Fred and his amazing team were professional, expedient and courteous. If I had a question Fred was always available to answer. It is clear Fred made ever effort to secure the very best rate and cash out amounts based on our needs. We highly recommend reaching out to Fred and his team if you are needing any of the services he provides. You will not be disappointed.
Apr 2, 2021
That is amazing! He helped us from start to finish In buying our home! Starting with having our finances look healthy all the way to the process of purchase. We couldn’t of done it without him and highly recommend Fred.
Apr 2, 2021
Registered Nurse
Fred was recommended by a good friend of mine and we are so glad to have met with him and his team. My husband and I originally sought advice about our finances for buying a home with friend last summer and were able to come up with a plan on how much to save and the budget we could afford on a mortgage. This January we decided we were ready and Fred set up a meeting explaining the mortgage and home-buying process. As first time homebuyers, Fred made sure we understood the information he was providing and was very patient with any questions or concerns we had.

We were blessed to have found a home in February and Fred and his team ensured we got the best rate possible. He has a very kind and professional team that makes the real estate world seem less intimidating.
Apr 1, 2021
Fred was so helpful! This is our second time working with him on a re-fi and his team does a great job of presenting the options in a clear way and making good recommendations. Would absolutely do it again.
Mar 29, 2021
Fred and First Rate Financial did an outstanding job: streamlined, professional, communicative, and painless!
Mar 26, 2021
Fred provided my family with responsive mortgage loan services. He delivered quality service, focused on what information really made a difference to my lenders, and provided attractive loan options. He leads an inspired staff that put my needs first. Fred also listens well and worked patiently with me. He's professional, a seasoned home-owner champion. That's why I tell friends and others to call "First Rate Fred" at First Rate Financial.
Mar 24, 2021
Very professional team worked with us through our refinancing of our investment property. They found us the best rate in the market. Thank you and looking forward working with them in the future.
Mar 24, 2021
Fred made my refinancing process incredibly smooth. He was quickly responsive to my initial outreach; turned around multiple options and walked me thru the pros/cons of each less than a day thereafter, and put things in motion for a very rapid close thereafter. I’d highly recommend him for any home financing situation.
Mar 24, 2021
Fred was great to work with. He quickly grasped our needs and helped to complete our cash out four weeks from our first conversation. We had an excellent experience.
Mar 24, 2021
Business Owner
Fred and his team of professionals are truly "First Rate". Fred has secured five mortgage loans and three refi's for me over the years and never fails to come through with excellent loan rates. In addition, Fred readily shares his vast industry knowledge, helping to efficiently navigate the loan approval process.

Mar 24, 2021
Fred and his team have helped us with two mortgage loans in the past three years. Both have been complicated with many needles to thread. He has, in my mind, worked miracles and secured us good rates and solid loan terms. Our most recent transaction came during the pandemic, when so many systems were delayed. He never lost sight of our application and helped make sure our loan got approved with a fantastic interest rate. I can't recommend Fred and his team enough. They are experienced, highly professional and very responsive. Thank you for you wonderful work!
Feb 9, 2021
My wife Saundra and I have known Fred for several years. He has helped us with our refinancing needs when required. Fred and his staff are very professional, and he is great to work with. We have recommended Fred to our friends and family and we will continue to do so in the years to come.
Feb 4, 2021
Home Owner
My late husband, Ed and I have worked with Fred over the last ten - fifteen years. Our meeting Fred was one of the best financial things that happened to us.
Among the great things we discovered in working with him was that he was honest, knowledgeable, reliable . . . we could always depend on him to tell us when something was or wasn't in our best interest. Doing what was beneficial for us was more important than just 'closing the deal'.
This became a very important quality when my husband passed away almost a year ago and I became responsible for making decisions on all of our financial matters. I have friends who work in real estate that were very cautious about my decision to re-fi my house since I know very little about this business, but when they saw the details of Fred's presentation they pronounced it 5 Star. And,
I give it 10stars, finding, just prior to closing, another loan with better options and a lower percentage rate. I know that he spent many hours beyond what was needed to be sure that I had what I needed to be secure.
We had always considered our meeting Fred a gift from God. I would not consider doing business with anyone else. I am always ready to pass on his information if I find someone who could use his help.
Feb 3, 2021
IT Support
I really appreciated working with Fred. He really explained all the details in refinancing our home that I have not been aware of before. There is so much confusing terminology and paperwork that I rarely deal with and therefore do not have much knowledge of, that it was nice to have Fred and his team help explain. We got a good deal and I understand things so much better. Thank you Fred.
Feb 2, 2021
Very thorough and professional throughout the process. Also quick to respond to any inquiries I made.
Jan 31, 2021
I felt I was in good hand throughout the entire loan proceeding. Fred was diligent and had great communication skills working with me , my employees and the loan officers. Great to work with
Leaves no stone unturned.
Enjoyed the process.
Ron Perilman
Jan 31, 2021
VP Sales-Katz Radio
My wife and I have worked with Fred on several re-fi's over the years. Fred is exceptional at what he does! His knowledge and professionalism are second to none. He puts his customers first and always has their best interest in mind.
Jan 30, 2021
Fred Gruber is the only one we even consider calling on for our mortgage/financial needs. Home purchase, re fi, or even just a question... we call Fred. We wouldn't recommend anyone else. He's the best.
Jan 30, 2021
Fred Gruber was exceptional in helping me buy my first home. Not only did he get me the best rate possible, but he was exceedingly patient in answering all my questions and making sure I felt comfortable. He helped me understand all the pieces of what I was signing, and made sure I was aware of things like the cadence of payment, taxes, and other nuances that a first time buyer may not know. I will be forever grateful to him!
Nov 2, 2020
Vice President Clinical Operations
I was introduced to Fred Gruber through my Financial Accountant. Since then, Mr. Gruber has helped me refinance my mortgage twice. His professionalism and customer-related approach are excellent and top of the business, simply he makes refinancing feel like an easy process, is independent and provides a number of options that he has researched ahead of time. He leaves it up to you to make the best decision for yourself but is also happy to answer any questions you may have in a thoughtful manner. While he refinanced my mortgage the first time and could have just stepped away, he kept my file and monitored the next best offers he could bring forward to me proactively. When I was ready to refinance again and reached out to him, he was already on the top of my files and circumstances, and as a result made the entire experience smooth and easy. Noteworthy my second refinancing occurred during the COVID19 pandemic, and his group sent a notary to my home to finalize the paperwork - a very much appreciated gesture. Once all the paperwork was signed, the loan company sent me their paperwork and I just went on with paying a significantly reduced cost mortgage from one month to the other without any hiccups transitioning from one bank to the other. For all of the reasons above, I highly recommend Fred Gruber for any mortgage assistance.
Sep 15, 2020
Fred was a pleasure to work with...very knowledgeable & professional. He explained the whole process to me in easy to understand language and worked hard to get me the best terms available. I highly recommend him.
Sep 14, 2020
Working with Fred made the whole process of obtaining our refinanced loan very easy and everything from start to finish went smoothly. Much better rate and saving lots of $$. Couldn't have been easier!

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