Hey there! 😊 I’m a California Mortgage Broker offering personalized homeownership and refinancing solutions with expertise and care. With a wide array of loan programs and decades of experience, I’m dedicated to making your mortgage journey seamless and rewarding. I’m here to make your entry into homeownership or refinancing as smooth and personalized as possible. My goal? To help you not just secure a mortgage but to build greater personal wealth through Real Estate, tailored to your unique long-term financial goals. Jeff Markell – Grandpa Mortgage (NMLS 224196) is powered by Empire Home Loans, Inc. (NMLS 1839243),

At Empire Home Loans, I offer a wide range of home loan products right here in sunny California. As your Mortgage Broker, I scour a variety of lenders to ensure you get the most competitive rates and programs available. According to the CFPB, working with a Mortgage Broker can save borrowers over $9000! Whether you’re buying your dream home, refinancing, or looking into investment properties, count on me to be your dedicated Mortgage Consultant, always ready to help you save money and make informed decisions. I’m all about going above and beyond for my clients!



Grandpa Mortgage

Jeff Markell – Grandpa Mortgage: California Mortgage Broker offering personalized homeownership and refinancing solutions with expertise and care.

Proudly serving Home Buyers and Refinance Clients across all the California Counties:

Orange, Los Angeles, Riverside, Alameda, Alpine, Amador, Butte, Calaveras, Colusa, Contra Costa, Del Norte, El Dorado, Fresno, Glenn, Humboldt, Imperial, Inyo, Kern, Kings, Lake, Lassen, Madera, Marin, Mariposa, Mendocino, Merced, Modoc, Mono, Monterey, Napa, Nevada, Placer, Plumas, Sacramento, San Benito, San Bernardino, San Diego, San Francisco, San Joaquin, San Luis Obispo, San Mateo, Santa Barbara, Santa Clara, Santa Cruz, Shasta, Sierra, Siskiyou, Solano, Sonoma, Stanislaus, Sutter, Tehama, Trinity, Tulare, Tuolumne, Ventura, Yolo and, Yuba.

I bring expertise and warmth to every interaction. And when it comes to programs, I’ve got you covered with a wide array of home loan options tailored to suit your needs. From traditional offerings to specialized programs, I’ll guide you through every step of the process with care and attention.

Here are the types of home loan programs I can help you with: 1-Time Close Construction, 40 Year Terms, All-In-One, Asset Depletion, Bank Statement Loan, Bankruptcy, Bridge Loan, Buydowns, Cash Offer Programs, Chattel Loan, Commercial, Conforming, Co-Ops, DACA, Down Payment Assistance (DPA), Debt Service Coverage Ratio (DSCR), Farm or Ranch Loans, FHA, Fix N Flip, Foreclosure, Foreign National, Hard Money, Home Equity Line of Credit (HELOC), High Balance, High-Rise Condo, Hobby Farm, Horse or Equestrian Loan, Interest Only, Investor Loan, ITIN, Jumbo Loans, Land or Lot Loans, Low Down Jumbo, Manual Underwriting, Manufactured Home Loans, Multi-Units, No Income Verification, Non-QM, Non-Warrantable Condos, Piggy Back Loans, Rehab or Renovation Loans, Reverse Mortgage, SBA Loans, USDA Loans, VA Loans, VA Jumbo

Beyond mortgages, let me share a bit about myself. I’m not just your Mortgage Consultant – I’m a dynamic professional with a wealth of experience in training, management, and technology sales. My passion for growth extends beyond the office, as I’m also a tech enthusiast who loves building computers.

Family is everything to me. I’ve been happily married for over thirty years, and together, we’ve raised two incredible children and are now blessed with two adorable grandsons. Outside of work, you’ll find me immersed in activities like cycling, golf, motorcycle riding, and dog rescue.

Grandpa Mortgage - Offering personalized homeownership and refinancing solutions with expertise and care.

Some of my fondest memories trace back to my childhood days spent playing sports at Live Oak Park in Temple City, California – memories I cherish and love sharing with others. I have pages on this website devoted to Little League Baseball and Pop Warner Football.

I served in the U.S. Air Force and lived in beautiful places like Aspen, CO, and Honolulu, HI. Since 1985, I’ve called Orange County home. It’s where I’ve built my life, surrounded by loved ones and enjoying the sunny California lifestyle.

So, whether you’re dreaming of your first home, planning to refinance, or simply seeking guidance on your mortgage journey, I’m here as your California Mortgage Broker offering personalized homeownership and refinancing solutions with expertise and care, here for you every step of the way. Let’s make your homeownership dreams a reality together!


empire home loansequal housing opportunity

Jeff Markell – U.S. Air Force Veteran – NMLS 224196
Call me today at 714.614.4040 for a FREE Consultation
Powered by Empire Home Loans, Inc.
4401 Hazel Ave., Ste. 135 Fair Oaks, CA 95628
NMLS – 1839243 – CA DBO/CFL Lic: 60DBO-98315
NMLS Consumer Access: www.nmlsconsumeraccess.org
This webpage does not represent a commitment to lend.


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