Why Choose

Fresh Home Loan
over Your Bank?

1. We Know Complex: Our expert team of independent mortgage brokers has been navigating the complex California market for years, serving hundreds of people securing loans, getting approved for a home purchase, or refinancing mortgages on properties already in possession.

2. We’re East Bay Local: We operate in the San Francisco Bay Area – Oakland Alameda, Berkeley Castro Valley, Pleasanton, and know the unique local market like the back of our hand. We are assisting local people looking to purchase a property by leveraging our insider knowledge and expertise in the industry and continuously strive to treat every client and transaction like our own.

3. We’re Independent: Fresh Home Loan, Inc., “Independent Mortgage Brokers That Work for the People! ™ with Garrick Werdmuller at the forefront, is a team of expert mortgage brokers helping people finance their dream homes and secure their future. We carry out our work with great care for our clients and follow the philosophy of over – delivering in every venture that we take.

Best In The SF East Bay


Garrick is the best! I feel so lucky to have used Garrick on our recent refi. He made the whole experience super easy for me. We played phone tag for almost a month and with both my husband and I working full time and doing a lot of travel, we are very hard to pin down. But he did and he got us an amazing rate quickly and even came to our house to have us sign the information quickly and conveniently.

Leslie V.

My wife and I used Garrick on the purchase of our new home and we couldn’t be happier with his service. Garrick was polite, knowledgeable and responsive to all of our requests during the entire process. Garrick walked us through our approval and made sure we knew exactly what we could afford. When we did get into contract Garrick made sure we had all our ducks in a row to ensure a quick and timely close.

Devon C.

★★★★ 5-stars on Yelp & Zillow

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