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."
Sep 20, 2021
We first met Fred Gruber in 2010 during our first home purchasing experience. This most recent refinance completed marks our 3rd time partnering up with him and we would not hesitate to recommend him.
Fred is friendly and patient and takes all the time to explain each step of the process and make sure you are comfortable. He is always available to answer questions and always has the interests of his clients in mind.

Thank you Fred
Sep 18, 2021
Fred was recommended to us by an old friend who said “ you’ll be in good hands”. And indeed we were.
From the beginning, Fred and his attentive office personnel were available to answer all of our questions on a timely basis. Fred himself came up with numerous options for both of our refinances and explained all of them in great detail.
The entire procedures were executed flawlessly and in a time frame that fit our needs.
Anytime we reached out to Fred with any questions, he returned our calls personally immediately.
The whole experience was exceptional.
Sep 18, 2021
Business owner
After being on escrow with another broker for more then 2 months & many false promises Our realtor Robin recommended “the magician broker”
Fred Gruber and let me tell you she wasn’t wrong after 14 days of contacting fred he made it happen me and my husband bought our first home
Fred was super knowledgable extremely profesional & works fast. He will not make you loose your time.
Fred is Very easy to work with he
Answered all of our questions & phone calls I will totally used him again. If your having issues with your loan please call Fred you won’t be disappointed.
If I can give him more then 5 stars I would thank you fred you are terrific !!!
Sep 14, 2021
Fred and Team, is a excellent source for financing a second home and other financing needs.Fred went above and beyond with different saving programs to suit my financing budget.Fred had no problem baby stepping me through the loan process and explaining loan options with a excellent rate that I didn't expect to receive on a second home purchase.Great job Fred and team for the great painless/flawless/closing on time experience in achieving my dream of owning a second home in the mountains.
Sep 9, 2021
My new title for Fred Gruber is the Magician Mortgage Broker. As a realtor, it is important that my clients work with someone who can make things happen because, if you can't get a loan, you can't buy a house. Over many years of working with him, Fred is the one broker who consistently gets the job done.

We recently had a client who consulted two lenders who promised that getting a loan would not be a problem. After weeks of back and forth, both lenders declared it was impossible, given the buyer's finances and that he owned his own business. Along the way, I kept encouraging our client to call Fred. FINALLY he did. Fred, of course, pulled a rabbit out his hat and made it happen.

Fred loves what he does and he makes our clients feel good about the process. This client was totally demoralized after being told twice that he couldn't get a loan. Fred quite simply made him feel better. The client keeps thanking me for putting him in touch with Fred. Exactly what every realtor should want. A mortgage broker who makes us look good!
Jul 2, 2021
We cannot thank Fred enough for all that he did when helping us secure financing for our first California home.

Fred made the experience painless and every step of the way was meticulously explained and we felt as though we were completely in the loop and comfortable with the entire process.

We truly appreciated the help Fred extended to us and his communication even on his free time to make us feel comfortable was unmatched.

We highly recommend Fred for any home financing needs and we will for sure be back to see Fred again when we are ready for our next home.

Thanks again Fred!

Ian & Hailee
Jun 24, 2021
It was an absolute joy working with Fred and his team. Their professionalism, attention to detail, and top notch technology made the process painless. Their unique online workplace portal made completing an application and uploading documents very easy- way easier than the old way of doing a paper or clunky application on the computer!
Jun 18, 2021
Fred, was very helpful to share many financial options and to work toward helping us achieve the best fit for our needs.
May 18, 2021
Fred did a fantastic job . Fast and professional .
May 17, 2021
I had a great experience working with Fred and the rest of the FRFG team. They are knowledgeable and were able to answer whatever question I asked them. They were also very responsive. I especially appreciated the break-even analysis surrounding the trade off between a lower interest rate and higher closing costs.
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.

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