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 700+ loans spanning both traditional and non-traditional programs — a figure sourced from RETR. Since joining Griffin Funding in 2025, he has funded 57 loans totaling $22 million, with particular strength in DSCR loans (27 loans, $7.7M), Bank Statement loans (9 loans, $5.3M), and home equity financing (16 loans, $3.9M). Today, he is recognized as a specialist in the non-QM products that matter most to real estate investors, self-employed borrowers, and equity-rich homeowners.
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, Bank Statement, and Home Equity 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With Bank Statement loans, he empowers self-employed clients to qualify using their real financial strength instead of outdated paperwork requirements. And with home equity financing, he helps equity-rich homeowners unlock capital for investment, debt consolidation, or major life goals — without disrupting a low first mortgage rate.
Clients turn to Andre not just for approval but 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 22 years of experience and a strong production record with him. 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’re 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 programs, market shifts, and regulatory updates. His depth of knowledge allows him to deliver not just approvals, but the confidence that comes from knowing you made the best financing decision for your circumstances. Andre is currently licensed in 14 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 full advantage of Southern California’s coastal lifestyle.
