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Gary Twitchell Sales Manager

  • NMLS # 360555
  • 109 Reviews
MPA 5-Star Retail Lender

About Gary Twitchell

With over 40 years of mortgage experience, expertise with all loan programs, and outstanding personal service, Gary Twitchell understands that the most important thing he can do for his clients is to take his time explaining the entire process from the beginning to the end.  As he sees it, making his client's comfortable is his job, helping them with as many loan option scenarios as they want so when they do commit and make a choice, it's well educated. Gary's attention to customer service and communication are his strong suits.

As a former Vice President and Chief Underwriter for one of the largest lenders in the country, Gary Twitchell has been involved in historic changes in the mortgage industry.  His team developed the first adjustable rate mortgage back in 1981 (the fixed market rate was at 17.5% and the ARM allowed consumers to buy at 10%), he was among the first FHA DE underwriters in the state of California, had a two day a week radio show where people could call in with mortgage questions, and did TV commercials about reverse mortgages (even before Robert Wagner).  He views change as inevitable and chooses to roll with the tide, keeping abreast of legislative and other important mortgage banking legislation so he's well informed.

Gary belives in building solid relationships with as many people as possible (you never know who you can help).  It's not beyond him to flip his name badge upside down on purpose, go into crowded places and be approached by a concerned person wanting to help "fix" it.  The conversations that ensue are priceless and many times lead to a referral, loan or lifelong friend.

Named a multi-year Orange County Five Star Mortgage Professional, this exemplifies his outstanding client satisfaction ratings and favorable regulatory and compliant history, as well as exceeding all expectations for number and volume of transactions served.

Gary Twitchell is bilingual (Spanish), offering his expertise in VA, FHA, Conventional and Jumbo Loans.

#1 in Customer Satisfaction
among Mortgage Servicers!


For J.D. Power 2022 award information, visit

You're In Good Hands!

4.98/5 Based on 109 reviews


Transaction Completed:

"Gary is a pleasure to work with and he is a wealth of knowledge. Most important Gary tells you the truth so you can make the best decision."

Victorville, CA


Transaction Completed:

"Gary was excellent from beginning to end. He was very informative and patient with us. He gained our trust and ultimately our loan. He educated us along the way as to the process and what to expect. He would even check in with us just to tell us things were moving along smoothly. We felt informed and confident everything was going as it should throughout the entire process. We know who to come to next time we need a home loan. :)"

Santa Ana, CA


Transaction Completed:

"Gary did an amazing job getting my refinance together after it was absolutely bungled by another lender. He was very good at communicating and got the loan done quickly."

Irvine, CA


Transaction Completed:

"Gary was amazing, Elaine made everything so easy the house buying exciting"

Corona, CA


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Dana Point

24681 La Plaza, suite 230
Dana Point, CA 92629

Direct: 949-751-4281

Mobile: 714-342-1664


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