About US

Independent Mortgage Brokers that Work for the People

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.

Your Local Trusted Mortgage Advisors

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.
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.

Investing In You

Here at Fresh Home Loan, Inc., we understand how great of an investment your mortgage is. That is why we consider it our responsibility to invest our time, dedication, passion, and knowledge to ensure a successful and stress-free experience in the home buying process.
Our team is expertly skilled in configuring a wide range of loans, including Home Purchase, Refinance, Cash Out, Va, Jumbo, FHA Loans, and more. We are devoted to our clients to optimize and accelerate the loan process to ensure a streamlined mortgage closing transaction that benefits the people.

The Competitive Edge

We have more industry experience than most retail officers. We’ve managed branches for Mortgage Banks and been in positions of in-house lenders to real estate companies, so we know the market inside and out. We have access to dozens of lending institutions with lower wholesale rates than you would find in large or mortgage-specific banks. In every transaction we undertake, we scour the market to find the best price and appropriate terms and conditions for your individual situation.

We pride ourselves in our honesty and transparency when working with people – acting as the middlemen between the lender and the home purchaser. We perform as the essential part of the complete property buying puzzle, providing support, gathering paperwork, securing the loan, and working with attorneys across the board of operations from application to the closing of the deal.

Building Long-Lasting Bonds

We are not just in the business or real estate – we are in the business of people, families, and relationships. Our primary goal is to communicate with our clients, put you first and provide all-around assistance in your home buying process.
Whether you are looking to refinance your current property or purchase a brand new home, get in touch with our team at Fresh Home Loan, Inc. and get professional assistance in every step of your home mortgage financing operation.

Garrick Werdmuller

(510) 282-5456


We offer a wide range of refinance options, designed to best meet your needs. If you’re looking for cash out, or to just get a better rate and term, we can assist you.

Home Purchase

Don’t Get “Pre-Approved”…
Get Approved!

Whether you are purchasing your first home or your 5th property, we want to be a resource for you.


We are here to educate and assist and of course provide the most loan options at the most competitive market price!

Don’t be afraid to reach out!