"​I knew I needed to refinance because I had an adjustable mortgage and rates were down. I happened to discover West Cal Financial on Facebook. I filled out some information and Brandon McGrath gave me a call later that day. I immediately liked Brandon because there was no pressure and he seemed to know a great deal about financing.  Brandon found me a good rate, but he actually had me wait a couple of weeks while he watched the market and we decided together when it was the right time to lock in. He helped me through every step of the refi process and made all the arrangements for the appraisal, title signing, etc. It was easy, I had my fixed rate and I assumed that was the last I’d hear from West Cal Financial. Not so, 6 months later Brandon contacted me to see if I wanted to refinance at an even lower rate. We did the math, because there were some costs, and it made a lot of sense for me to refinance again. I just closed my second loan with Brandon and am very happy with my new lower monthly payment. I’m very impressed with Brandon’s service and feel like he was watching out for my financial best interests. I have recommended West Cal Financial to several friends because I know that they take great care of their customers."

~Kathryn, Novato 

"Brandon McGrath & team obtained a strong pre-approval letter very quickly that was critical in our winning bid.  He followed that up with a better rate and lender credit than originally quoted, and then stuck with us through several significant bumps in the road to close escrow on-time.  Definitely at the top of our list for any future loan!"

~Jordan, Napa

"Brandon McGrath was highly professional and dedicated to serving our needs during our recent refinance. I would trust him to manage and advise on any of our mortgage needs. His efforts were flawless and dedicated and we greatly appreciated the attention he gave to making sure any of our concerns were addressed. He was timely and steadfast in
his communication and his follow through was excellent. I hold financial professionals to an extremely high standard and Brandon was awesome! He was 100% on top of everything at all times! I have high expectations and he
exceeded them."

~Christina, Novato

Brandon was great! He followed up with me when I needed to move quickly to keep things moving, but then had me wait while he diligently watched the market to get me the best rate. He was like a personal financial advisor.

~Kathryn, Novato

Brandon's a real bulldog when it comes to getting others to do their jobs quickly! A great asset to have on your side! West Cal Financial had extremely efficient and expedited service, were available at all hours by email and had very quick responses. 

​~ Alison, Arcata

"Brandon was an excellent advisor. Very knowledgeable and efficient." 

~Walter, Novato

"West Cal Financial was super easy to work with.They were organized and seemed to care more about us than closing the loan.They were Amazing and Honest!" 

~Levi Hanzel-Sello, Salida

"My experience with West Cal Financial was  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."

~Roy Jackson, Petaluma

"Brandon assisted us with a mortgage refinance on our primary residence at the end of 2011.  Both my wife and I couldn't speak highly enough about his persistence, professionalism, and knowledge around the process and procedures necessary for the detailed requirements around mortgages these days.  We were grateful for his transparency and promptness throughout the entire experience.  So much so that we referred my parents for a refi and they loved him.  Thank you!"  

~Ryan Wilson, Petaluma

"You were very efficient and kept us in the loop all the time. Thank you! We got a great rate and you provided wonderful service!"

​~Lawrence & Jilma, Novato

"Brandon and Angel were great to work with and did exactly what they said they would do and fast.  It really helped that Brandon is both a loan broker and realtor as well as more affordable than the previous agent I had worked with.  He kept me informed throughout the process and helped me to time the market well, which saved me thousands.  He also helped me to feel confident that the appraisal would come in at value without complication as I was wrapping up a remodel.  My only wish is that I could have used West Cal Financial on the purchase of my first home.  Now I know who I will be calling when I am ready to buy my next property."

~Branko, San Francisco 

"Brandon and Angel, I can't thank you guys enough for helping me get my first house here in the US. I felt treated like a VIP client and both of you were very smart and efficient with handling my paperwork. I still can't believe I have an almost half million dollar home despite me being a single person. I am very happy and so is my family in Manila and L.A. I will definitely use West Cal Financial again to buy more homes. Thank you for making my American Dream come true for me."

~ Maria Ibarra, Rohnert Park

"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."

~John, Novato 

"Brandon and West Cal Financial really have your best interests in mind. Whether they are helping you to find the right home at a great price or a loan at the lowest rate they are my trusted source. I was impressed by the way Brandon did not allow me to over pay for a property. Having lost out on several bids that ran up much higher than asking, I had become a little discouraged. The market was hot and I needed a place quick and was willing to pay more, but Brandon helped me to keep my cool and make a wise investment decision. Then when it came to finding the best loan he was able to negotiate a larger credit back from the lender which kept even more money in my pocket. I highly recommend West Cal Financial and I am even using them for my next home purchase and loan."

~Erwin, Richmond

Brandon McGrath & Team obtained a strong pre-approved letter very quickly that was critical in our winning bid.  He followed that up with a better rate and lender credit than originally quoted, and then stuck with us through several significant bumps in the road to close escrow on-time. Definitely at the top of our list for any future loan! 

​~ Paul, Santa Rosa

"We are happy to highly commend the service provided by Brandon McGrath of West Cal Financial, during our recent mortgage refinancing. Brandon provided knowledgeable and professional lending expertise, while offering personal "concierge" assistance along the way; his exemplary communication of each step through the escrow process kept us fully informed, and his strong relationships with lenders and title officers ensured a seamless close. We will wholeheartedly and unreservedly continue to refer family and friends to Brandon for their mortgage needs."

~ George & Penny, Novato​

"The financing and purchase of my first home was an unfamiliar process and I wanted to work with someone I knew and trusted. Although I had some reservations at first about working with a close friend of mine, I couldn’t have asked for a 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 with a no cost refinance saving me additional money and the best part is our friendship and trust is even stronger today."

~ Ali Abbassi, Novato

"Brandon, we sincerely appreciated the way you walked us through this process without ever patronizing or shaking your head in dismay. You treated us with respect and honored the fact that refinancing our home was a very big and scary ordeal for us. Through all the phone calls, second-guessing and rants of we can’t do this” you handled it all smoothly, thoughtfully and professionally. We greatly appreciated the laid back yet professional approach you maintained with us throughout the entire process. We are now so happy that
we listened to your wonderful advice and guidance. Thank you so much!"

~ Jim & Debbie, Rohnert Park

"Brandon at West Cal Financial was the best!  They were very easy to work with and made refinancing a breeze.  Brandon had great advice on timing and keeps you posted every step of the way.  Best Financial Company I have worked with.  Using Brandon to guide you, anyone can refinance easily." 

~ Don Wilson, Novato

Client Testimonials

Buying a home is one of the most stressful events in our lives. Don't go it alone. We're friendly,  knowledgeable, and affordable -- and waiting to help you today.  Find out what your friends and neighbors are saying about us!