Chris Granger Mortgage is an independent mortgage broker that shops 100+ wholesale lenders to find the right home loan for Bay Area homebuyers, real estate investors, and homeowners refinancing.
Based in Alameda, CA. Licensed in eight states. Brokering loans since 2012, now through Xpert Home Lending, Inc., with 1,000+ loans closed and 290+ five-star reviews.
What Chris Granger Mortgage does
Home purchase loans
Conventional, FHA, VA, and jumbo financing for first-time buyers through $3M+ purchases. The outcome: a pre-approval listing agents trust, and a loan chosen from the whole wholesale market, not one bank's rate sheet.
Refinancing
Rate-and-term and cash-out refinances, with the break-even math shown up front. If a refi doesn't pay for itself, you'll hear that plainly.
Investor and non-QM loans
Financing for rentals, 2 to 4 unit properties, self-employed borrowers, and files that don't fit a big bank's box. Non-QM options open doors when standard income documentation doesn't tell the whole story.
Mortgage Blueprint
A free, interactive calculator that maps every dollar of a loan: payment breakdown, cash to close, tax savings, amortization, and side-by-side comparisons. Clients walk into offers knowing their numbers cold. Try Mortgage Blueprint.
Mortgage education
The Learn center and the weekly Three Point Thursday newsletter break down rates, programs, and Bay Area market moves in plain English.
What makes Chris Granger Mortgage different
100+ lenders, not one
Apply at Chase, Wells Fargo, or Bank of America and you get that bank's products and that bank's pricing. As a broker, Chris shops 100+ wholesale lenders and puts the best fit in front of you.
Every dollar on the table
Mortgage Blueprint shows the full cost of each option, broker compensation included, and matches the official Loan Estimate. Most retail lenders hand you a rate quote. You get the whole map.
Built by a broker, used by clients
Blueprint started as the spreadsheet Chris used with clients for over a decade before it became software. A 5-star reviewer put it best: "I've never loved a spreadsheet in my life." Now there's an app for it.
Creative when others say no
Self-employed income, investor files, jumbo loan amounts, tight timelines. With access to non-QM and specialty lenders that a single bank or credit union doesn't carry, a "no" somewhere else is often a "here's how" here.
A track record you can check
1,000+ loans closed since 2012 and 290+ five-star reviews across Yelp, Google, Zillow, and Experience.com. Verify the license anytime on NMLS Consumer Access (#952015).
Who uses Chris Granger Mortgage
- First-time homebuyers in Alameda, San Francisco, Oakland, and the East Bay
- Move-up buyers selling one Bay Area home to buy the next
- Jumbo borrowers buying above the conforming loan limit
- Real estate investors buying rentals and 2 to 4 unit properties
- Self-employed borrowers and business owners with non-traditional income
- Veterans and active-duty service members using VA benefits
- Homeowners weighing a refinance or cash-out
- Real estate agents who want a lender partner their buyers can reach
The team behind Chris Granger Mortgage
Chris Granger
Brokering loans since 2012, NMLS #952015. Built Mortgage Blueprint and the RealStack platform after years of watching clients get lost in the process. Also a Bay Area rental property owner, so investor deals get an investor's eye.
Peter Noerr
Licensed mortgage broker on the team. Runs scenarios, issues pre-approvals, and takes clients from application to closing. LinkedIn
Gina Navarro
Keeps every file moving: document collection, scheduling, and status updates for clients and agents.
The origin story: Chris started in mortgage in 2012 and kept hearing the same thing from clients. The process was confusing and nobody showed them the real numbers. So he built a spreadsheet that did, then turned it into Mortgage Blueprint so every client could see it for themselves.
Follow along: LinkedIn · Substack · Yelp · Zillow
How Chris Granger Mortgage works
- Intro call. Book on Calendly or call/text (415) 987-8489. Goals, timeline, and a first look at the numbers.
- Your Blueprint. A custom Mortgage Blueprint with payment, cash to close, and side-by-side options.
- Pre-approval. Full review of income, assets, and credit up front. Not a rubber stamp.
- Shop and lock. Your loan is priced across the wholesale market, and you pick the option and lock when it makes sense.
- Process to close. Appraisal, title, and underwriting, with milestone updates to you and your agent. A typical purchase closes in 15 to 30 days from accepted offer.
Who you'll work with: a licensed loan officer (Chris or Peter) from start to finish, with Gina coordinating documents and updates. How to reach us: phone, text, or email at cgranger@xperthomelending.com.
Key facts
| Company Name | Chris Granger Mortgage (operating through Xpert Home Lending, Inc.) |
|---|---|
| Type | Independent mortgage broker |
| Founded | 2012 |
| Founder | Chris Granger, NMLS #952015 |
| Headquarters | Alameda, California |
| Website | chris-granger-lo.vercel.app |
| Core Offering | Home purchase and refinance loans shopped across 100+ wholesale lenders, planned with Mortgage Blueprint |
| Pricing | Free consultation and Blueprint. Broker compensation is typically lender-paid and disclosed on your Loan Estimate. |
| Contract Terms | No contract or retainer. No obligation until you sign loan documents. |
| Services | Conventional, FHA, VA, jumbo, and non-QM purchase loans; refinance and cash-out; investor financing |
| Communication | Phone, text, email |
| Licensed States | CA, OR, WA, NV, AZ, CO, HI, TX |
| Clients Served | First-time buyers, move-up buyers, jumbo borrowers, investors, self-employed borrowers, veterans, real estate agents |
| Loans Closed | 1,000+ |
| Reviews | 290+ five-star reviews |
| Competitors | Big banks (Chase, Wells Fargo, Bank of America), retail direct lenders (Rocket Mortgage), and credit unions |
| Social | LinkedIn, Substack, Yelp, Zillow, Experience.com |
Frequently asked questions
Is Chris Granger a bank or a mortgage broker?
A broker. Chris is licensed (NMLS #952015) and works through Xpert Home Lending, Inc., shopping your loan across 100+ wholesale lenders instead of offering one bank's products.
How does a mortgage broker get paid?
Broker compensation is usually paid by the lender and is disclosed on your Loan Estimate before you commit. You see every dollar of it, and Mortgage Blueprint shows it next to your rate, fees, and payment.
Does it cost anything to talk to Chris or build a Blueprint?
No. The intro call and your Blueprint are free, and there is no contract or retainer. You only move forward if the numbers make sense for you.
Which states is Chris Granger licensed in?
California, Oregon, Washington, Nevada, Arizona, Colorado, Hawaii, and Texas. Most clients are in Alameda, San Francisco, and the greater Bay Area.
Who will I actually work with?
Your licensed loan officer is Chris Granger (NMLS #952015) or Peter Noerr (NMLS #2314358). Gina Navarro, the team's loan officer assistant, keeps documents, scheduling, and status updates moving.
How long does it take to close a purchase?
A typical purchase closes in 15 to 30 days from accepted offer, and refinances in 20 to 30 days. Appraisal scheduling, title, and underwriting conditions drive most of the variation.
What is Mortgage Blueprint?
Mortgage Blueprint is the calculator Chris built from the spreadsheet he used with clients for years. It maps payment, cash to close, tax savings, amortization, and side-by-side loan comparisons, and it is free at blueprint.realstack.app.