Brandon McGrath helped us with the planning, preparation, pricing and timing of our House in Novato. He and Angel put up with my ambivalence, uncertainty and multiple questions about the timing of our sale in Hamilton for almost one full year. They met with me numerous times to go over numbers, to walk the property inside and out and plan the appropriate investment necessary to prepare our house for sale. They helped me meet with our current renters and put together a strategy of Market timing price and ultimately smart and pleasant negotiations with the buyer's real estate agent. I could not be happier with their understanding of the market and their ability to immediately understand and connect with the buyer's agent in order to see the deal through to the end. Brandon led me through the equally ardous and, at times astonishingly invasive process of gathering all of the financial documents necessary to re finance our home. Each time we thought we were finished the loan underwriter would come up with more questions... After months and weeks of delay and appraisals, updated statements, Brandon and Angel persisted, succeeding in securing the loan with the best terms. We appreciate the integrity and professionalism that Brandon showed throughout the long loan underwriting journey. read more

I recently worked with the team at WestCal Financial to refinance my mortgage, and cannot be more pleased with the work they did for me. As with any deal, it is not uncommon to run into a few snags along the way. With the advice, guidance and professional support of the team at WestCal, I was able navigate the complex workings of the mortgage process quickly and easily, despite complications and unexpected detours. The WestCal team helped me decide the best time to refinance, based on market activity and interest rates. With their assistance, I not only got a loan with the lowest rate available, but was also able to reduce my payment and come out with cash in hand (and no cash out of pocket, too!). The team's knowledge, perseverance, and attention to detail ensured that we closed on time, on schedule, and on budget. I highly recommend that anybody interested in a new home purchase or refinance contact the folks at WestCal financial immediately to take advantage of the low, low interest rates, and the excellent service provided by the team at WestCal. read more

West Cal Financial helped us with our first home purchase and they made the transaction easy and painless. We had heard stories of how difficult and time consuming the loan and real estate buying process could be and were surprised at how quick, EASY, and painless our experience was. Their offer to do our loan for FREE allowed us to bring only our down payment to close, all other closing costs were covered. They were even able to negotiate a home warranty that will give us peace of mind through our first year as homeowners. Not only did they help us with the purchase and loan, but they were able to recommend a painter that helped to get our home ready for move in. They were with us every step of the way-always available to answer questions/concerns. We were so happy with their service that we recommended them to someone while we were at the paint store picking out paint colors. We will gladly recommend Brandon and Angel in the future!!! read more

I have known Brandon and Angel of West Cal Financial since grade school and was really happy to have them both working on my side. Their team effort and commitment to their clients really shows as they carefully explained all the steps in the home buying process as well as the loan process. Like most, we did not get into the first home we made an offer on, but that was ok. They ended up helping us get into the right home at the right price and they even helped us to achieve the lowest interest rate available at the time. Then when we thought all was done, they continued their efforts to obtain all the keys that had been withheld by the seller and even negotiated for a credit back from the listing agent for the inconvenience. West Cal Financial is a trusted team and even made a sizeable contribution to our church which was very important to me. I will continue to pass along their name to family and friends looking to buy, sell or refinance. read more

I first met Brandon and Angel of West Cal Financial when they came to purchase a car from me for their daughter. At that time Brandon mentioned what line of work he was in and continued to stay in touch as he knew I was going to need to get a loan for my new home. Brandon went above and beyond all my expectations and helped save me the time, money and the inconvenience of having to get two loans as originally suggested by others for my particular situation. He carefully navigated all the county, title and lender requirements that most would have not taken the time to do. He was really looking out for my best interest saving me thousands in the process. I can't say enough about how appreciative I am for all his efforts. He has really won me over and I believe he will do the same for the next person as well so I highly suggest you give West Cal Financial a call if you are in need a loan or are looking to buy or sell a home. read more

I have known Brandon for several years as he was a fellow recreational soccer coach. He had recently moved into the same neighborhood and while walking his dogs he witnessed my younger son take a hard fall on his bike. He was kind enough to drop off some ice cream later that evening to make sure my son was ok. I was thinking about refinancing and when I was ready I approached Brandon to see what he could offer. He was able to offer a lower rate than I could find elsewhere and even informed me to switch lenders when rates dropped even lower saving me an additional $4000. When the value of my appraisal came in low he went to bat for me and was able to get the appraiser to raise their initial value by 65K. Lastly, he worked closely with the lender to assure my loan closed on time even with the appraisal delays. I am very thankful for all his effort. read more

I have known Brandon of West Cal Financial for several years as our kids went to school together. During this time I had a broker that I had been working with, but when the time came for my most recent refinance I wanted to give Brandon a shot at my business. He did a great job working closely with me to execute my refinance and met each timeline as we had planned. It was important to me that I was working with someone that I could trust that had a good attention to detail. Brandon made the loan as convenient as possible offering multiple solutions to any issue that arose throughout the process. I am very happy with my decision to let West Cal Financial help me with this latest transaction. I will definitely be working with Brandon again. read more

Brandon, Angel and the entire West Cal team have been exceptional to work with! We have dealt with some unsavory brokers in the past and this experience was a complete 180. They were able to explain the entire process in layman's terms so we actually understood what we were getting into prior to them doing the leg work. Not only do they have access to the best lenders and rates, but we feel like they were on our side trying to save us money, which is rare. The experience could not have been better and I appreciate their professionalism and dedication to their customers. It's hard to find a good realtor/broker these days that is out for your best interests. The team at West Cal delivered! Thank you all!!! J&S read more

West Cal Financial made my refinance process easy. Refinancing is definitely not my idea of fun but the savings are well worth the trouble of pulling my paperwork together. Brandon and Angel worked with me to help me understand the loan process and clearly described to me what was needed to get my loan closed. They kept in close contact with me each step of the way and were always available to answer my questions. They were able to get me an amazing rate and lower mortgage payment as well. I cannot thank them enough for all their hard work to get my loan closed on time and at no cost to me. I have already referred them to others and will definitely use them again in the future. read more

Brandon McGrath of West Cal Financial was referred to me by my co-worker about a year ago. At that time I was looking to lower my rate and do some home improvements. There were hurdles that Brandon quickly recognized and help navigate, and in the end I got a great rate and the money I need to complete my home improvements. Since then Brandon has stayed in touch with me and watched the market; when rates dropped he quickly guided me through the process again, to achieve an even lower rate saving me thousands over the life of my loan. I am really happy to have received the referral and I have since referred him to others that I know could use his help. read more

My roommate and dear friend introduced me to Brandon of West Cal Financial and spoke very highly of him. I was very pleased with his thoroughness and timeliness throughout the entire loan process for my home purchase. He clearly explained all the details of my loan and helped me to navigate the best options at the lowest possible rate. I really appreciate all his help along the way and it would be a gross understatement to say I couldn't have done it without him. I will absolutely be recommending Brandon, Angel & West Cal Financial to anyone who cares to ask, and guaranteed, they will be the first phone call I make when it comes time to refinance. read more

You will not find a more professional mortgage broker! I was referred to West Cal Financial by a co-worker who had used there services. I was a first time home buyer and didn't know where to turn for help I could trust. Brandon made the process easy by clearly communicating each step and each document I needed. He has continued to follow up and stay in touch well beyond my original purchase, and is always available if I have any questions. I will definitely use West Cal Financial each time I have a mortgage need or even just a question, which is frequent in this market. I have referred several friends who are looking to buy a home to Brandon! read more

Brandon and Angel at West Cal Financial are phenomenal professionals and human beings! We have refinanced our mortgage with them on several occasions and they have done an outstanding job! Brandon is always attentive to details and Angel is just awesome working her numbers too! They are always responsive to my questions or concerns and they go out of their way to help folks just like me improve their mortgage payments and overall organization of our finances! It's because of people like Brandon and Angel who take pride in their work that my mortgage is in such a good place today! read more

The financing and purchase of my first home was an unfamiliar process and I wanted to work with someone I knew and trust. Although I had some reservations about working with a close friend, I could not have asked for better representation. Brandon not only got me into the home I had been eyeing, which at the time was pretty much spoken for, he was able to lock in, process, and close the purchase loan in 16 days. I have since worked with him again on a no cost refinance saving me additional money, and the best part is our friendship and trust is even stronger today. read more

My experiences with West Cal Financial were outstanding. Brandon understood what I was hoping to accomplish with home improvements, and explained my options so I could make an educated choice on the right loan product. He watched the market for the right conditions to make the deal, and was able to deliver a better deal with a lower rate than anyone else. He made sure everything went smoothly with appraisals, paperwork and keeping me informed throughout the process. West Cal Financial is certainly my trusted recommendation for all my friends and family. read more

I was given Brandon's name from a friend who knew I was looking to lower my rate and monthly payment on my mortgage. I found Brandon to be very helpful and supportive though out the entire refi process. He made trips to my home on more than one occasion to pick up paperwork and when things got a little tricky at the end he went above beyond the call of duty to make sure we closed on time. I am very happy to have been introduced Brandon and Angel of West Cal Financial and I am sure I will be using them again down the road. They make a great team! read more

My sister referred me to Brandon as she was very happy with how hard he worked to help them with their own refinances. I too was very impressed with his ability to get us closed on time even while we were away for a week on vacation. He worked closely with us to get all the necessary details worked out and we were pleasantly surprised we did not even need to spend money on an appraisal. I am thankful my sister gave me his number and I would be happy to pass it along to family and friends as well. Thank you West Cal Financial, sincerely Barbara. read more

Brandon helped us with the loan when we purchased our house so when it came time to refinance we didn't think twice about using him again. He stayed in touch with us in the years following our home purchase and let us know we could take advantage of lowering our interest rate. Brandon kept us well informed throughout the process, and when our appraisal looked like it might hold up the closing of our loan he worked with us to make sure our loan closed. We are happy with our new loan and rate and would definitely use West Cal Financial again! read more

West Cal Financial got us the best mortgage ever... 3.125% 30 years fixed with no closing cost. They are able to do it by having low overhead cost and the ability to access the lowest rate among various financial institutions. If you are looking for a good mortgage, you need to check out West Cal Financial first... You will thank them and yourself for years to come. Plus you will find that Brandon and Angel are wonderful genuine people. They will go out of their way to help you beyond mortgage and real estate needs. read more