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

About Granite West Funding

FREE Mortgage Rate Quote

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

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.
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.
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!!
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.
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!!
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!!
Melissa McGregor
Melissa McGregor
15:23 18 Nov 19
We recently executed a long distance purchase of a Condominium at Bass Lake, from the Los Angeles area. Granite West Funding handled our funding and walked us through the process via phone calls, text messaging and e-document signing, all of which helped get us closed in 30 days. Even with a snafu in the execution of escrow, Granite West Funding went above and beyond to resolve our problem in a more than satisfactory manner! These professionals care about their clients and their business reputation, and it showed! Thank you Granite West Funding!
Next Reviews Write a review

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


View more testimonials ›

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.

FREE Mortgage Rate Quote!