Learn how collections affect mortgage approval, whether you need to pay them off, and what options exist for home buyers with unpaid collections.
NMLS: 214852
330 Tres Pinos Rd. Suite F4
Hollister, California 95023
With more than 25 years of experience as a licensed Loan Officer, I’ve had the privilege of helping individuals and families navigate one of the most meaningful financial decisions of their lives—homeownership.
Since 2001, I’ve built my career around a simple philosophy: listen carefully, provide thoughtful guidance, and always put my clients’ best interests first. I believe the mortgage experience should be personal, transparent, and tailored to the individual—not a one-size-fits-all process.
My experience has given me the knowledge to navigate everything from straightforward purchases to more complex financing situations, but what I value most are the relationships I’ve built along the way. Many of my clients have become lifelong clients, friends, and sources of referrals to the people they care about most.
I take great pride in being someone my clients can turn to for honest answers, sound advice, and steady guidance throughout the process. Whether you’re purchasing your first home, making a move, refinancing, or planning for your next chapter, my goal is to make the journey feel seamless and give you confidence in every decision along the way.
Experience matters. Relationships matter more. And I’m honored every time I’m trusted to be part of your homeownership journey.
Learn how collections affect mortgage approval, whether you need to pay them off, and what options exist for home buyers with unpaid collections.
Mortgage preapproval typically lasts 60–90 days. Understand what happens when it expires, how to renew it, and when to apply for yours.
Many people who consider buying a home for the first time often ponder these questions before they start the process. With all of the questions that arise, usually, the biggest concern is whether they can afford a down payment on a new home.
If you’ve always dreamt of owning a home, our First-Time Buyers Guide will turn that vision into reality. We’ll guide you through each step, making your dream achievable.
I would give Gina and her team 10 stars if could. We had a fast close and Gina was exceptional in helping us close with ease. She is a great person with a wonderful personality; we are so grateful she was part of our team purchasing our new home😊
I recently worked with Gina as my loan officer and couldn't be happier with this experience. She took the time to explain every step, and answered all my questions promptly. I highly recommend Gina to everyone
5 Stars all the way! Gina went above and beyond what was expected to insure we had a smooth loan process. She was available for all of our questions and took the time to get to know us and how best to help. We would definitely recommend her to anyone looking for home financing!
Gina was amazing! She was super helpful and she worked really hard to help us get into our new house as soon as possible. Thank you Ms.Gina!
We are incredibly grateful for the guidance we received from Gina Grant at Premier Mortgage. Gina showed remarkable patience as she walked us through each step of the process, always taking the time to clarify our questions. Her attention to detail and caring approach made a world of difference, turning a potentially complex situation into a positive one. She is a dedicated professional who clearly puts her clients first. We wouldn't hesitate to recommend her to anyone looking for a seamless mortgage experience.
It was a pleasure working with you.
Thank you Gina! You will be our lender forever!
She has always put our interests first, researching the best rate/pricing/term for us and meeting whenever/wherever it was convenient for us. These reasons along with her caring attitude, honesty, attention to detail and extensive knowledge are why we would never use anyone else.
I highly recommend her to all of my friends and family. She has always gotten me the best rate possible. She always guides us through the whole process with ease and is very easy to communicate with. Gina also is very responsive to my phone calls, emails and texts. I can't say enough about her… I highly recommend her.