Call Us At: 559-540-2275 Apply Now
Call Us At: 559-540-2275

About Granite West Funding

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Welcome to Granite West Funding. As a locally-based Oakhurst mortgage company, we work with customers in and around Oakhurst as well as throughout the state of California.

Our goal is to get you quickly and affordably into your dream home, and to make the entire lending experience speedy, friendly and easy.

We take particular pride in offering a range of non-QM mortgage products. We have a solution for every financial situation, and can help you out no matter your credit score or employment scenario.

Andrew Pence

Meet Our Team


Andrew Pence

I am a self-motivated, entrepreneur, home loan officer dedicated to my vision of success through impeccable customer service, relentless perseverance and commitment to honesty. I pride myself in creating an atmosphere of exceptional employee moral through leadership, teamwork and the capability, as well as the aspiration, to never stop learning.


This Is Who I Help:

As a National and State licensed, top producing home loan officer I help anyone and everyone looking for any type of residential home loan. I specialize in First Time Home Buyers and all other Purchase Money transactions. If you are looking to buy or refinance a new primary residence, 2nd home, vacation home, or investment property I can show you the best home loan to fit your needs and budget.

Why Choose Granite West Funding?

What sets us apart from other mortgage companies in California?

We offer a wide selection of traditional lending products as well as non-QM niche products. We can help you buy a manufactured home, apply for a mortgage without tax returns, or qualify for a loan without a perfect credit score.

Buying a home is a complex process. One of the most complicated parts of this process is acquiring a home loan. We will make sure you understand every part of the loan process, from the initial pre-qualification, to the selection of the best mortgage for your personal situation, to making sure you get the best interest rate available, to making sure you close your escrow on time. We can also answer questions related to real estate or real estate financing.

If you are on a rushed schedule, we can close rapidly so that the lending process is completed on time. During your consultation, we can talk about your schedule and inform you of the expected timeline for completion of the process.

When you work with us, you are trusting us with one of the most important financial events of your life. We want you to be informed and comfortable through the entire process, and always to know the status of your loan. To that end, we are transparent and communicative at all times.

We are thinking about the future, just as you are, and hope that you will become a lifetime customer. We will always be here to answer questions and support you with your home financing needs.

What Our Clients Are Saying

Jeffrey Barigian
Jeffrey Barigian
20:13 04 Dec 20
This is our second loan with Mr. Pence and his team. The first was a very involved process regarding a new primary residence in expensive Santa Barbara. The local lenders were unable to secure financing for the purchase and with near perfect credit scores, and with 2 Doctors as purchasers. Enter Pence and team. Commitment to Excellence, Diligence, and Professionalism. Thinking out of the box. After securing financing, the local multimillion dollar home realtors were left scratching their heads and asking “Who is this guy?” Here’s the answer: A team of professional mortgage Brokers who will work tirelessly with you, NEVER give up, and make the whole process of producing a blizzard of documents, as easy as it can be. Buying and refinancing can be a daunting process. Let the “We will make it happen” Team at Granite be your first and only stop if you are looking for financing of the American Dream!Jeffrey J. Barigian, MDMichele C. Russell, PhD
Jackie Lomeli
Jackie Lomeli
00:07 17 Nov 20
THE ABSOLUTE best team out there!!!! I HIGHLY recommend Andrew at the Granite West Funding. Very responsive, very fast and very on top of EVERYTHING! I cannot emphasize enough how grateful and lucky we are to of have worked with Andrew! Thank you for all of your hard work and for helping us get the home of our dreams!
Juan G. Bautista
Juan G. Bautista
23:24 14 Nov 20
Frank Rodriguez
Frank Rodriguez
05:37 10 Nov 20
Our experience has been the most amazing experience. They were professional and committed when processing our loan request. Our representative keep us informed throughout the entire process. They will be our lender from now on.
Charity Bona
Charity Bona
22:37 07 Nov 20
Eric and Jackie took such great care of us during our home buying process!! I would recommend them over and over again!
Carman Ruggeri
Carman Ruggeri
04:50 05 Nov 20
Answered every phone call. Did ask for a lot of info but in the end they did exactly what they said they would do. I would use them again.
Casey Knutson
Casey Knutson
15:31 21 Oct 20
Drew Pence at Granite West Funding was amazing to work with. As first time home buyers, we had a ton of questions and Drew was always there to answer them, no matter what time we called. What we liked about Drew the most was that he always gave us his honest opinion like a “real” person, not someone just trying to get our business. He really made us feel comfortable every step of the way. We would definitely recommend Drew for any of your needs and he will be the first person we call when we’re ready to re-fi or buy again.
MrChomps18 Vlogs
MrChomps18 Vlogs
20:50 05 Oct 20
Alicia Hare
Alicia Hare
18:37 30 Sep 20
It was quick and easy they stayed on top of it so we were able to get funding needed immediatelyStaff was very friendly and helpful
John B
John B
18:22 07 Sep 20
Andrew and the staff did a good job in getting the loan interest I wanted and in expediting the process with help all the way through the process. This is the second time I used them to purchase a home and I wouldn't hesitate to use them again.
Vionel Myles
Vionel Myles
05:16 06 Sep 20
CHRISTINE SMITH
CHRISTINE SMITH
17:43 01 Sep 20
We had a great experience with Granite West Funding when we completed our home loan this month. They were fast, efficient and extremely professional, even closing a full week earlier than planned. We are very thankful that Andrew and his team worked to get us the best rate possible and we are very pleased with the result! We would highly recommend them to anyone interested in a new home loan or a refinance.
Micheal Despain
Micheal Despain
01:05 01 Sep 20
Andrew and his team were awesome. Our mortgage process was very unique and complex but Andrew and his team worked very hard to make everything work out to our benefit. I highly recommend them.
Frank Bigelow
Frank Bigelow
18:07 19 Aug 20
Andrew and team were amazing! They are quick to respond and explain everything in a way that make sense. Give them a call before committing somewhere else.
Patricia Wilson
Patricia Wilson
17:40 19 Aug 20
We had one of the most difficult loans you could possibly think of. Things were changing daily with covid and Andrew Pence and his team were there for us every step of the way and made it happen and now our family have seven owns our very first home!
roman zenz
roman zenz
23:33 17 Aug 20
Jackie, Jesse and Andrew at Granite West Funding helped us making the dream of buying a home come true. It was our first time buying and the team at Granite West Funding made everything really transparent and understandable. I highly recommend them!
Bonnie Olsten
Bonnie Olsten
18:00 10 Aug 20
They are the reason. I live in my new house. The best. They treat you like family. They have helped many clients and even my daughter. I would highly recommend them. Thanks Pence team!!
Rachel Olsten
Rachel Olsten
18:02 06 Jul 20
They made the entire process smooth and easy! Very knowledgeable and helpful! You can trust they will make this the best home buying experience ever for you too!
Vic Zaura
Vic Zaura
15:40 16 Jun 20
We are extremely grateful to Andrew and his team for making the loan process the easiest loan experience we have ever had. With a special thanks to Jackie for her communication in keeping us informed every step along the way. We would not hesitate to refer clients to them or use them in the future.Thanks again for all your help.Andrew and his team are the best! After a recent purchase loan with Andrew we went back for a re-fi and Andrew and his his team again did and awesome job! Not only did they get me the lowest rate but closed it in 9 days! Could not be happier with Granite West Funding...Would recommend Andrew to anyone looking to purchase or re-fi.Thanks again for all your help.
Joyce Vind
Joyce Vind
17:55 09 Jun 20
I had a great experience with Granit West Funding. It is a welcoming office and each staff person was friendly, competent and helpful . They had my best interests in mind and were patient and informative when I had questions.
Jeffrey Jenkins
Jeffrey Jenkins
14:18 08 Jun 20
Andrew was such a help informing us throughout the process on our first house purchase!
David Helzer
David Helzer
18:23 07 Jun 20
We just completed our first home purchase with Granite West and it was a wonderful experience. They went above and beyond to take care of us. They were always available and answered all of our questions quickly. We highly recommend them, they will make it easy and they will make you happy! Thanks again Granite West!
ken sollars
ken sollars
06:04 03 Jun 20
you guys did a great job and we intend to recommend you when ever possible. the whole process was painless and quick. your loan processor was very knowledgeable and professional.
Charles Ackerman
Charles Ackerman
17:31 02 Jun 20
Thank you Andrew Pence and the entire team at Granite West Funding!Refinancing our house was fast and easy and any and all questions we had were answered quickly and clearly.We Highly recommend Granite West Funding, they are very friendly and very professional!
Jessica Upton
Jessica Upton
04:59 28 May 20
Our Lender Andrew was amazing and he without a doubt was the reason our escrow closed successfully. We originally had another lender and days before escrow was to close our loan fell through. You can imagine how scary that was. Thank goodness the sellers agent had Andrew as contact, he was able to come in days before our original escrow was to close and only add on an additional couple of weeks and make our loan happen. He was professional, friendly, extremely knowledgeable, and handled every timeline that had to be met with ease. We would recommend him without a doubt.
Jeremy Brownlow
Jeremy Brownlow
16:57 25 May 20
I am a first time home owner thanks to Granite West, who made our family dream come true! A Plus Company!! Thank you Andrew and Team!!
Randy Runge
Randy Runge
20:43 24 May 20
Ryun O'Reilly
Ryun O'Reilly
07:34 24 May 20
My experience with Granite West Funding was amazing. They went above and beyond to make sure I got the best rate possible and make my refinance as easy as possible. The whole team is fantastic and I would recommend them to anyone looking for a home loan or refinance
Patty Block
Patty Block
22:23 23 May 20
Rebecca Ferris
Rebecca Ferris
21:07 18 May 20
Working with Andrew and the team at Granite West Funding has been an absolute breeze! My husband and I have used them many times and are always extremely happy! We can’t say enough good things about them and will always use them in the future!
Amanda Wells
Amanda Wells
20:31 18 May 20
Casey Hawkins
Casey Hawkins
19:33 14 May 20
Margie Bennett
Margie Bennett
17:34 14 May 20
WE loved working with Andrew, not only did he help us with the purchase of our home up here he also did our refinance and both times were absolutely the easiest process I have ever been through. I would recommend Granite West Funding to anybody and everybody with no hesitation. They were professional, responsive and courteous.
Andrea Starkey
Andrea Starkey
16:42 14 May 20
You can't imagine how terrifying it was to purchase a home at the start of a global pandemic, but somehow, Drew and his team managed to make us feel safe and secure. We are grateful for their responsiveness and professionalism!
Celia Allman
Celia Allman
23:39 13 May 20
I had a very good experience with the group at Granite West. Andrew Pence went above and beyond to help us navigate some difficult hurdles on the road to refinance. We got a good deal at a great interest rate. Saving money already! and are able to do some much needed maintenance and upgrades. I am a happy camper. Thank you very much!!
Richard Rhodes
Richard Rhodes
21:56 13 May 20
Andrew and the entire team at Granite West have been great. Even during the shut down Andrew kept me informed during the process of my refinance. He jumped on it right away and got me a percentage rate that has saved me several hundred dollars a month. I’m glad they are here in our small town!
Mary Pence
Mary Pence
20:46 13 May 20
They made it so easy! And they saved me over $400 a month! Professional, responsive, and wonderful to work with.High recommend them.
Dan Merrill
Dan Merrill
20:28 13 May 20
Closed 1 week early!
LEPLEY TREE'S
LEPLEY TREE'S
02:58 30 Apr 20
They will make your dreams come true!
Cassandra Davis
Cassandra Davis
21:38 27 Mar 20
Andrew and his team went above and beyond to help us with our loan for our new cabin purchase. We will definitely use them again!!!
Michael Farr
Michael Farr
02:24 27 Mar 20
Granite West Funding made buying our first home a breeze! They answered any and all questions my wife or I had and we're very professional. Because of Andrew's passion and quick response, we were able to close in 30 days!! I highly recommend Granite West Funding.
Heather Buvalla
Heather Buvalla
02:04 27 Mar 20
Richard White
Richard White
01:18 27 Mar 20
They are great! Made the whole process as painless as possible.
Ralph Jeffery
Ralph Jeffery
21:25 26 Mar 20
Great and easy to work with I am self e,ployed so my loans are more difficult but granite did just fine.
Cheryl Yancey
Cheryl Yancey
18:04 23 Mar 20
Our experience with Granite West Funding was very positive with attentive and punctual communication throughout the entire loan process. We are grateful for their exceptional service and expertise in processing our loan, especially since we were out of state which necessitated almost all documents being transferred electronically. Thank you for all your hard work to make our dream come true!
Erin Capuchino
Erin Capuchino
18:07 22 Mar 20
Professional, kind, attentive and honest.Eric and Andrew took great care of us and went above and beyond.
Arthur Thomas
Arthur Thomas
16:10 22 Mar 20
Andrew Pence and the Pence Team are extremely professional and helpful. They are friendly and resourceful in getting funding for our house purchase.
John Thor
John Thor
14:34 22 Mar 20
Next Reviews

5/23/2019

Andrew and Jackie take the time to understand our goals and limitations. Then they work very quickly to offer us the best solutions available for our needs. They are very responsive to questions and are very prompt with paperwork. They have never ... Read more

- JRichard

11/2/2017

Recently my Dad needed a 2nd Mortgage on his home in order to move into a retirement community and he only had two weeks to get the necessary funds. Andrew met the time line and my Dad had a check in his hand in record time. He made the process ... Read more

- djkrule41


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Apply for a Home Loan in Oakhurst Today

You are just a phone call away from taking the next big step toward homeownership in Oakhurst or elsewhere in California. To schedule your free consultation, please give us a call today at 559-540-2275. We look forward to being your mortgage company in California.

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