Garrick Werdmuller

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.

I’ve used Garrick and his team to buy 2 homes now in Oakland and just a few months ago in Dublin. However, I still have never actually met him or anyone on his team in person! You can’t go wrong using Garrick and team for your next mortgage.

With any financial transaction the size of buying a home, there’s bound to be issues. Both of my home mortgages were no exception. It’s the customer service that really makes the difference which made me use Garrick again and in the future I’m sure. Him and Adriana in particular really went above and beyond to make sure all the issues that I brought to their attention were resolved an expedited manner to close on-time.  This includes a title issue and an incorrect closing costs estimate before actual closing which resulted in a $30k mortgage increase less than 48 hours before closing! Even he commented that he’s never seen a lender move so fast before!

David B.

TLDR: Garrick is great to work with and super knowledgable and honest.

The Long Story: Garrick and I have been talking about loans and real estate for a few years. He was referred to us by a real estate agent I met at an open house, he quickly pre-approved us and ran us through various scenarios so we could get an offer in. Unfortunately, the offer didn’t pan out. We didn’t put any other offers in for a while, but Garrick stayed in touch (and knew the right balance of checking in periodically without being a pesky sales guy).

About 18 months later, we did a refi on our existing house. I worked with Garrick on the refi, but also worked with another agent recommended loan broker as an alternative option, that ultimately had a lower rate that Caliber couldn’t match. While I wanted to work with Garrick, at the end of the day, money is money, and he understood that and didn’t try to sell me further or make a promise he couldn’t keep. I respected that integrity.

Finally, we decided to buy a house, and we of course looked to Garrick and Caliber. He again pre-approved us quickly, ran through several options and scenarios for us. When our offer was accepted and we went into escrow, he and his team made it all seem like a smooth process to ensure we got all the paperwork for underwriting and ensuring we could do a quick 25 day close. They were ready in 20 days.

Ray H.

We would highly recommend working with Garrick. We had a terrible experience with First Bank. They pulled a bait and switch on us (did not lock Our rate and tried to push a HELOC on us) and we thought we had to walk away from our dream home. Garrick stepped in last minute and helped us close within 14 days (!). He was transparent and communicative – all the things that you want in a lender. He turned a horrible experience into a wonderful one. Additionally, our closing costs ending up being LOWER than the estimate which rarely happens. Thank you, Garrick and team!

Vy M.

I highly recommend Garrick to anyone looking for home financing.  My experience was that I felt like I was treated as his top priority all the time, although I knew of course he had other clients.  He moved us steadily  through each step of the loan, as Garrick and his staff kept the momentum, resolving any issues, and always kept me and other parties informed.  He always returned my calls quickly and was there for me for any of my questions and concerns along the way.  His staff is fantastic too, and knew exactly what was needed and how, all along the way.  He did such a fantastic job for me,  I would definitely want to work with him again if I ever need another home loan.

And, he is always very patient and positive as a person.  I felt confident with him, and it made the home mortgage process so much less stressful than it could be.

I would recommend him to friends and family, without hesitation.  He is the best.

Kathy S.

Garrick and his team were AMAZING to work with. He followed through on everything he said he would do, was extremely responsive, and brought us to the finish line. Would definitely refer him to my family and friends. Thanks Garrick!


Bryan V.

Garrick has been my go to mortgage broker for years and has helped me out, as well as of number of my friends refinance and get the loans they need. He has depth of knowledge and able to provide information and solutions to our different loan needs. He is the Bay Area broker to go to for sure.


Angie B.

Garrick was fantastic in helping us close our loan. He went above and beyond to help us move into our condo in record time flat. My father recommended working with Garrick and I was very grateful that he took us on as a client. We had a complicated sale because we were purchasing from the homeowner directly. Garrick helped us on the purchase from start to finish and we would’ve missed a lot if we tried to do this with any other lender. Garrick’s experience and network allowed us to close before rates went up and were very thankful. I highly recommend Garrick and his staff. Feel free to DM me if you have any other questions but do yourself a favor and work with Garrick and company.


Kato D.

I can keep this pretty concise…basically if you want top-notch service and someone who will work their *ss off to make sure you are getting the BEST interest rate and loan for your situation, you want to work with Garrick. He was incredible when we bought our home (especially when I was laid off halfway through escrow) and even contacted us when the time was right to refinance.

I can’t recommend him enough. In fact, I’m about to email him about a pre-qualification for a new home. 5 stars…two enthusiastic thumbs up!!


Ash M.

I was introduced to Garrick from my regular lender and he knocked it out of the park. I had a jumbo loan and he got it done quickly and without much hassle.


William W.

Garrick is great.  I work in the finance business so have extremely high standards for how transactions should be managed.  Garrick and his team performed seamlessly and expertly.  The deal was smooth and painless which is unheard of in this business.  I give Garrick my highest recommendation.


Clay A.

It was a pleasure working with Garrick! I was pretty stressed and unfamiliar with the home buying process, but Garrick’s knowledge and dedication made the entire process incredibly smooth and allowed me to feel comfortable. I’m grateful for his professionalism and would highly recommend him! Thanks again, Garrick!


Greg R.

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.

I was terrified of all of the work that I thought I’d have to do to get our house refinanced, but Garrick made is so simple and easy and NOT SCARY.

Thanks again, Garrick!


Leslie V.

Great service, easy to work with (totally comfortable with emails and voicemail), and all the documents online. Great rate and minimal closing costs. Very happy.


Alameda J.

I can definitely recommend Garrick, Maribel, Wendy, and the rest of the team for the way they handled our financing requirements.  For all the stress that can go with homebuying, the fact that any one of them personally made sure we were taken care of and our questions were answered, made financing surprisingly stress-free.  I should mention as well that we met Garrick a day before offering and closed a day early if that gives a sense of the efficiency of these guys.


Kevin W.

I’ve  dealt  with  a few different  loan officers  before  being  introduced to  Garrick,  and I honestly can’t  nearly express  how thankful I am  for his work.   He and his  staff are the best!

From the first time I spoke to him,  he had a firm understanding of what I needed and worked fast  at getting everything together.  His  first  rough  figures of how the loan would look were  right on – no surprises.   He provided me with great options and is very  clear to understand.

He and his team are super nice and very  accessible,  always  responding quickly to any questions  I had.  They work  very  hard and just seem happy to be able to provide excellent service.   I look forward to  working with them again!

Garrick,  you saved me a ton of money and were a pleasure to work with, and again I want to thank you.


A. P.

We had a very good experience with Garrick. In addition to being very enthusiastic and knowledgeable, he had the best rate out of 4 mortgage brokers that I contacted. His team worked overtime for us on the weekend to try to get all the paperwork completed on time. Garrick is definitely an asset to have on your house-buying team.


Helen H.

I just finished my second refi with Garrick, after  dealing with three other mortgage companies in the past. Garrick was BY FAR the best to deal with in terms of ease of the process, responsiveness, and getting the best deal. I can’t recommend him enough!


Eric B.

After we spoke with 3 different teams, Garrick and his group were the clear choice. They took us seriously and worked with us through the year-long process. He was always there, providing us with great service and support. We look forward to working with Garrick in the future.


N. H.

We were very happy to have chosen the office of First Priority Financial in Alameda as our reverse mortgage broker. Branch Manager Garrick Werdmuller and the staff were thoroughly helpful in answering our questions, explaining the procedures, and keeping us informed throughout the process. We highly recommend this agency.


Susan A.

We took out a reverse mortgage refinance and worked with Garrick. It was the best experience I’ve ever had. He was always available, flexible and very honest about what to expect. There were no surprises. He checked in regularly with progress and his assistant, Maribel, was just as nice. Between the two of them, I never felt more cared for. We closed in a short time with no problems. I highly recommend Garrick with straightforward and even complex cases. He will get the job done!


Yvette K.

As Yelp puts it, Garrick and his team are as good as it gets.

Garrick made sure to personally call me at least once a week to give me an update on my loan.  His staff was friendly and kept me informed of every detail along the process, allowing me to respond immediately so I wouldn’t lose the deal.  

As is normal with a lot of homes in the Bay Area, hiccups arise during the closure process.  Again, Garrick’s personal attention to my loan and his vast network allowed all hurdles to be overcome quickly, and my bid to close in under 30 days.

To cap it off, Garrick met me for a beer after I closed as a congratulations.  I can’t be more comfortable recommending Garrick for loans, refinances, reverse mortgages, or even just a pre-qualification.  He’s friendly, smart, knows the business, and has a network to get your loan closed so you can move forward with your life. Highly recommend.


Ronan & Jessica K.

We’ve worked with several lenders over the years, so can make comparisons.  We recently utilized Garrick’s services to complete our first 1031 exchange.  Aside from having the best rate of the lenders we inquired with, we found Garrick and his team to be responsive, knowledgeable, and thorough.  Our exchange was tricky (I’d imagine most are) and we were under a tight timeline to complete 2 transactions.  He worked well with both our realtor and title company.  We will not hesitate to call Garrick again.


Erin T.

Garrick is AWESOME to work with. His high energy positive attitude is infectious. He can balance amazingly detail oriented and professional in one sentence with hilariously playful in the next. It is truly a pleasure to work with Garrick. My first VA loan was an incredible learning experience. Garrick’s knowledge and communication skills made it a simple and direct process. Since then, we’ve refinanced our first home and took equity out to use for another investment. I will continue to use Garrick as I expand my real estate ventures.


Chris B.

We can’t recommend them more highly! My husband and I are grateful to have found First Priority Financial. Garrick and Wendy Werdmuller helped us buy our first house in July 2011 and then to refinance that loan for a lower rate less than a year later. They made painless what is arguably the most confusing and scary process in life. They are knowledgeable; patiently explaining confusing aspects and detailing our options. They helped guide our decisions, keeping our specific needs and wants in mind. Garrick and Wendy are trustworthy people who are dedicated to their clients. Plus, their funny (see their silly and informative videos )!


Lindsay W.

Garrick was our mortgage broker for the purchase  of a house in Oakland this summer and was remarkably professional, capable and pleasant.  There were a lot of problems with the transaction: among other issues, the seller and selling agent were very difficult personalities, it was a short sale, and there were problems with the appraisal and title.  Garrick provided great advice and worked through each problem in an efficient and effective manner, kept everyone on the same page, and closed the deal in a short time with a great rate.  I have recommended him to both family and friends.   A true professional.


J. B.


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.

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