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.

Eric Wood in Granite West Funding
Eric Wood

Born native to the Yosemite area and raised with old-fashioned values. Always lived in a small community and treat people as neighbors. I put my Family and Team first as they have given me the freedom to pursue a healthy meaningful life. Eyes, Heart and Mind always open, I’ve learned the best life lived is helping others. My Health Care and Hospitality backgrounds have left me with a servants heart. “Trust yourself and never be afraid to fail, falling and getting up, gives you the strength grow in this world.” Cheers!

Jesse Pence in Granite West Funding
Jesse Pence

I was born and raised in the Sierra Nevada foothills. I went to the heartland for college, graduating from Indiana University in 2002. After college, I learned my father was diagnosed with ALS ana I stayed and cared for my father until his passing. I fell in love with a local girl, Lindsey Whetten, and we have two kids: Harrison, a smart and funny 7-year-old prankster, and Amelia who is 5 and the twinkle of my eye.

After family, golfing is my passion, and I follow in my father’s footsteps of golfing Friday afternoons with my partners. He taught me that life and business is all about fostering relationships. Community involvement is important to me and I’m a member of Oakhurst Sierra Rotary and have coached Harrison’s little league teams for the past 3 years.

Part of the best thing about being a partner in Granite West Funding is that I get to work with people I admire and trust. We strive to give excellent service while making the loan process as smooth as possible for our clients. I’m proud to be part of this team.

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.

See What Our Clients Are Saying About Us!

Mark N.
Mark N.
13:44 01 Sep 22
Quality! sums up Andrew and his crew, if your looking for a loan and not a hassle, Granite West is your answer.
doug W.
doug W.
20:04 02 Jun 22
Granite West Funding, LLC did a great job all the way through the funding process, I would recommend them.
Dylan D.
Dylan D.
16:50 01 Jun 22
Fantastic team with speedy, friendly assistance whenever I needed it. I have zero complaints and would highly recommend them. Thanks again Granite West!
Christian M.
Christian M.
21:08 31 May 22
Thank you, Team Granite West! You have made the whole process, from applying for the mortgage to signing, very easy and worry-free.
Diane H.
Diane H.
20:12 31 May 22
Thank you Andrew and everyone at Granite West. You make the loan process work! You kept me informed each step along the way and congratulated me at the finish line. I appreciate everything.
Margot B.
Margot B.
14:23 29 May 22
The Granite West Funding team worked at lightening speed to get our loan approval and funded. We couldn't be more please with their level of professionalism and service. We would highly recommend them to family and friends.
Carol M.
Carol M.
18:58 27 May 22
Rajiv S.
Rajiv S.
20:08 25 May 22
True professionals, quick response and very transparent.
Buck B.
Buck B.
17:18 23 May 22
Working with Andrew and his team was a great experience. He was always readily available to answer questions. Awesome job from all his staff
Rebecca W.
Rebecca W.
21:22 04 Apr 22
Eric Wood with Granite West is amazing! As a lender myself, I had the pleasure of working with him on a deal for a friend of his.Eric stayed in contact to help constantly & went above and beyond to be sure everything went well. He is knowledgeable and an all around nice good guy :-) Thanks for everything!!!
joshua S.
joshua S.
13:27 25 Jan 22
They have always been a big help and able to answer all my questions. Very friendly and professional.
James M.
James M.
18:46 24 Jan 22
Professional, knowledgable staff made a normally grueling experience of buying a house quick and easy.
Lyle B.
Lyle B.
06:06 08 Dec 21
The team at Granite West isn't joking when they say they put the "FUN" in Funding! Their fast action and personal white glove service has been a major contributing factor in my quickly closing on an amazing property well below market value in very competitive and stressful economic conditions to say the least. I'm very impressed by the entire team at GW and I'll be speaking with with again when it's time for my next purchase, HELOC or Re-fi. I owe them big time and I am so thankful for new home.You can trust your major purchase and investment funding to Eric, Andrew and the team at GW. I am so glad I did!
Cindy K.
Cindy K.
22:30 26 Sep 21
I really enjoyed working with Andrew, Anne, Jackie, and Hunter. Everyone was friendly and easy to talk to. They were professional and yet not judgemental. I appreciate that and look forward to working with them again.
Kyle C.
Kyle C.
23:45 21 Sep 21
By far the BEST mortgage / loan experience I've ever had. They're incredibly responsive and tech-friendly, so getting documents signed and collected was easy. Got an unbelievably good rate. I highly recommend Granite West Funding if you're looking for a home loan. Very smooth process with no issues.
Charles A.
Charles A.
15:58 23 Jul 21
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!
Rachel C.
Rachel C.
16:23 12 Jul 21
A pleasure working with Andrew and his staff.
WashedOut 8.
WashedOut 8.
00:45 12 Jul 21
Sabrina M.
Sabrina M.
20:01 07 Jul 21
Without this team my home buying experience would have been a nightmare. I worked with Hunter on a daily basis and he guided me through step by step. He was responsive and went far and beyond his duties. I also worked with Andrew and Lizette who were very professional and also very personal. I came to feel like this team was more of a family rather than just a business. Highly recommend them!
Linda S.
Linda S.
19:52 07 Jul 21
It was a pleasurable experience working with Andrew and his staff. Every question i had was answered immediately, professionally and fully. If i ever had the reason to buy another home/mortgage, i would definitly go with his group.
Kirk F.
Kirk F.
17:20 12 Jun 21
This the 2nd time working with Andrew. The first time was a refi. This time, Andrew was great at helping me see my dream of a 2nd home could be a reality. He was professional, informative and had great ideas.
Steve R.
Steve R.
03:10 08 Jun 21
William R.
William R.
23:17 07 Jun 21
Andrew and the whole team were excellent. Highly recommend
Dale P.
Dale P.
23:42 02 Jun 21
Painless service experience! Very professional quality company.
Jonathan P.
Jonathan P.
20:43 02 Jun 21
Phenomenal service. Very pleased with Andrew and his team.
Paul F.
Paul F.
22:53 25 May 21
Kara L.
Kara L.
20:59 24 May 21
I love Granite West!! Everyone there is so friendly and professional, I just adore the staff. The process took me 9 months (because of the market in my area) and the whole team basically held my hand the entire way! They are extremely punctual and will communicate with you about every detail. I will always recommend them over and over again. Thank you Drew, Ann and everyone else there at Granite West!
brad M.
brad M.
21:23 14 May 21
The complicated process of mortgage financing, made easy and rapid with Granite West Funding. Would recommend to anyone.
Tyler M.
Tyler M.
21:08 14 May 21
Andrew and his team were nothing but helpful and made my home buying process smooth as could be.
Jose L.
Jose L.
16:53 18 Mar 21
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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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