Andre Shmoldas
Producing Sales Manager / Sr. Loan Officer - San Diego, CA NMLS# 312335
With more than two decades of experience in mortgage lending, Andre Shmoldas has established himself as a trusted advisor and top producer at Griffin Funding, where he leads with a consultative approach and a passion for problem-solving. Over the course of his career, Andre has successfully closed an estimated 700+ loans, spanning both traditional and non-traditional programs. Today, he is recognized for his expertise in DSCR (Debt Service Coverage Ratio) loans and Bank Statement loans, two products that have become essential tools for real estate investors and self-employed borrowers.
From UCSD Graduate to Mortgage Veteran
Andre entered the mortgage industry in 2003, shortly after graduating from UC San Diego. Drawn by the fast-paced nature of real estate finance and the opportunity to help people achieve homeownership, he quickly discovered a natural talent for guiding clients through complex decisions. His strong communication skills, coupled with an ability to simplify complicated lending concepts, made him a standout early in his career.
Before joining Griffin Funding, Andre gained deep experience with FHA, conventional, and VA loans, successfully funding more than 400 transactions in these traditional categories. Over time, he saw the growing demand for alternative lending solutions designed for entrepreneurs, business owners, and property investors. That insight reshaped his career focus and paved the way for his specialization in non-QM products.
Specialization in DSCR and Bank Statement Loans
Andre’s reputation has been built on his ability to anticipate challenges and deliver solutions in areas where other loan officers might fall short. With DSCR loans, he helps investors leverage rental income to expand their portfolios – even when their tax returns don’t tell the full story. With Bank Statement loans, he empowers self-employed clients to qualify using their real financial strength instead of outdated paperwork requirements.
Clients turn to Andre not just for approval but also for strategic guidance. Whether structuring financing to maximize cash flow or mapping out long-term portfolio growth, he ensures every borrower leaves with a clear plan that aligns with their goals.
Joining Griffin Funding
In 2025, Andre joined Griffin Funding’s San Diego office, bringing with him 22 years of experience and a strong record of production. He immediately found alignment with Griffin’s mission: combining cutting-edge technology with specialized loan programs to deliver speed, flexibility, and transparency. As a Producing Sales Manager, Andre not only drives his own production but also plays a key role in shaping the client experience within the office.
Client Philosophy and Reputation
Andre believes that mortgages are more than numbers – they’re strategies for building wealth, security, and opportunity. His clients appreciate his straightforward, no-pressure style and his commitment to mapping out “Plan A, B, and C” so they are never caught off guard. This proactive approach has earned him consistent referrals from past clients and long-term partnerships with real estate agents, brokers, and investors.
Continuous Growth and Market Insight
The mortgage landscape evolves constantly, and Andre takes pride in staying ahead of the curve. He invests in ongoing education, industry conferences, and market research to ensure his clients benefit from the latest non-QM loan programs, market shifts, and regulatory updates. His depth of knowledge allows him to deliver not just approvals, but confidence that clients are making the best financing decision for their unique circumstances. Andre is currently licensed in 7 states and growing.
Beyond the Office
When he’s not working with clients, Andre enjoys life in Encinitas with his wife and three children. He is active in his community, values time with family, and takes advantage of Southern California’s coastal lifestyle.
