Business Details
20 Years
experience
Your Trusted Mortgage Partner in California & Nevada
Greenfront Mortgage has been dedicated to transforming mortgage transactions into seamless experiences since 2006. Our team of seasoned professionals specializes in residential real estate financing across California and Nevada, offering personalized attention to every client. We prioritize ethical relationships and technological innovation, implementing paperless solutions and robust data security to protect client information. With expertise in conventional, FHA, VA, USDA, and jumbo loans, we work exclusively for our clients' interests rather than institutional agendas.Our commitment to excellence is demonstrated through our ability to secure competitive rates by leveraging relationships with multiple lenders. We maintain a lifetime commitment to client education and financial guidance, ensuring each customer receives mortgage solutions tailored to their unique circumstances.
Services
Conventional Loans
FHA Loans
VA Loans
USDA Loans
Jumbo Loans
Refinancing
Construction Loans
Cash-Out Refinance
Fixed-Rate Mortgages
Interest-Only Loans
Details
- Year established: 2006
Highlights and features
- We offer personalized mortgage solutions tailored to individual client needs
- Our team maintains NMLS-certified expertise across multiple loan programs
- We provide access to competitive rates through multiple lender relationships
- Our ethical approach prioritizes client interests over institutional products
- We implement advanced digital tools for secure, paperless transactions
What people say
Wonderful to work with
Went above and beyond
Great deal
Responsive and helpful
Made buying easy
Services
Conventional Loans
Standard mortgage products with fixed or adjustable rates for primary residences. These loans require minimum down payments starting at 3% with competitive interest rates. Ideal for borrowers with strong credit histories seeking predictable monthly payments over 15-30 year terms.
FHA Loans
Federal Housing Administration insured mortgages requiring only 3.5% down payment. Designed for first-time homebuyers with flexible credit requirements. Offers lower closing costs and easier qualification standards compared to conventional loans.
VA Loans
Zero-down payment mortgages available to eligible military personnel and veterans. Features competitive interest rates and no private mortgage insurance requirements. Streamlined refinancing options available for existing VA loan holders.
Jumbo Loans
Non-conforming loans exceeding standard conforming loan limits up to $822,375. Tailored for luxury properties or high-cost markets. Requires strong credit profiles and larger down payments for financing premium real estate acquisitions.
Construction Loans
Specialized financing for new home construction or major renovations. Features interest-only payments during construction phase with conversion to permanent mortgage upon project completion. Available for custom homes and investment properties.
People
Josh Morrow
Mortgage Professional
20+ year mortgage industry veteran with multiple top salesman awards. Expert in wholesale mortgage operations and underwriting guidelines development. Committed to finding clients the best mortgage deals through personalized service.
Mike Thomas
Founder
Finance graduate and mortgage industry innovator since 2005. Pioneered paperless mortgage solutions and founded Greenfront Mortgage in 2006. Combines technical expertise with deep market knowledge to lead the company's strategic direction.
Maggie Levin
Loan Officer
Psychology graduate specializing in client-focused mortgage solutions. Trained under Josh Morrow since 2016 with expertise in matching clients to optimal loan programs. Dedicated to exceeding client expectations through personalized attention.
Lyla Rintoul
Loan Officer/Processor
California native with social sciences background. Specializes in educating clients about mortgage regulations and market conditions. Committed to making complex mortgage processes accessible and understandable for all clients.
Questions
What mortgage options are available for first-time homebuyers?
We offer FHA loans with 3.5% down, VA loans with zero down for veterans, and conventional loans with 3% minimum down payment. Our team specializes in guiding first-time buyers through the entire process.
Can I refinance my existing mortgage to get a better rate?
Yes, we offer rate/term refinancing, cash-out refinancing, and VA IRRRL streamline options. Our experts will analyze your current loan to determine if refinancing would provide financial benefits.
What credit score is needed to qualify for a mortgage?
Minimum credit score requirements vary by loan type: FHA (500-580), VA (500+), conventional (620+). Our team works with borrowers across all credit profiles to find suitable solutions.
Do you offer construction loans for custom homes?
Yes, we provide specialized construction financing with interest-only payments during building phase. Our private money sources enable funding for new construction and major remodeling projects.
How does your mortgage process differ from traditional banks?
As a mortgage broker, we work exclusively for you rather than a specific institution. This allows us to shop multiple lenders to find the best rate and terms tailored to your unique situation.
What documents are needed to start the mortgage application?
Basic requirements include government ID, recent pay stubs, bank statements, tax returns, and proof of assets. Our digital platform streamlines document submission and verification processes.
