Fred Kusin & Associates - (415) 533-9900
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Andy Shine

Terra Mortgage Banking
andy@andyshine.com
(415) 897-2826

We believe that honesty & integrity are not hollow catchwords, but essential company values. Honesty & integrity guide our every action, from the seemingly immaterial to the most consequential. Our goal is to act in our client’s best interest at all times, and in all circumstances.

We understand that the process of securing a real estate loan is confusing at best, and requires educated, truthful, and sincere counsel. Applying for a home loan is a significant financial event for our clients, and we strive to demystify the process, to educate and inform, and to serve in a way that fulfills our core values of honesty & integrity.


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Charlie Christensen

CWC Financial
charlie@cwcfinancial

(415) 454-1130
I founded CWC Financial on the vision and promise to provide you with the best rates and the most comfortable home financing experience possible. Our simple business philosophy is to put your best interest first. We do what we say we are going to do, when we say we are going to do it, and we put everything in writing up-front.

"We really appreciate the work-ups you provided; they were excellent. The review of multiple scenarios really is educational and would make it easy to select a mortgage in an informed manner. We will keep your contact information; you can be sure we will use your services in the future.  I will also send along your contact info to my pals via email.  We were very impressed with the quality of your service and information." Mary, San Rafael

Fred Kusin & Associates (415) 533-9900
Serving Marin and Sonoma for over a Decade with #1 Frank Howard Allen Realtors