California Mortgage Advisor | Personalized Loan Solutions

NMLS #1791379

DRE #02051920

Licensed California

Meet Your Advisor

Andy Hess

Mortgage Loan Originator · Hess Mortgages

Andy Hess has spent years helping California families and individuals find the right mortgage — not just any mortgage. His approach is refreshingly direct: understand your goals, explain your options clearly, and find a path that actually makes sense for your life.

As a mortgage loan originator with Solidify Mortgage Advisors, Andy has access to a wide range of loan programs and lenders. He takes the time to walk you through your options, answer every question, and make sure you feel confident — not overwhelmed — at every step of the process.

Whether you're buying your first home, refinancing to a better rate, or exploring your equity, Andy is the advisor who picks up the phone and tells it to you straight.

200+ Loans Closed

5★ Client Rating

CA Licensed Statewide

Schedule a Call with Andy Full Story

Philosophy

Your Mortgage Should Work for You — Not the Bank

For most families, a home is one of the largest pieces of their financial picture. It provides shelter and stability, but it's also a major financial instrument — and traditional banks treat it like one.

Most lenders operate on assumptions that haven't changed in decades. Piles of paperwork. Little visibility into what's actually going on beneath the surface. Thirty years later, you own your home free and clear — and the bank walks away with a healthy profit.

I take a different approach. I look at the larger picture: short-term and long-term. I craft your financing to fit your actual life — not the bank's interests. Because life today won't be the same as life thirty years from now, and your mortgage shouldn't pretend it will be. An interest rate is much more than a number — it's a story, and you deserve to understand every chapter.

What's Unique About Andy

The Difference is in How He Works

No fees stacked on top of fees. No pressure. No surprises. Just honest advice from someone who's been on the other side of the table — and who shops the entire market for you.

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Schedule a Call

Book a free 20-minute consultation. Andy will listen to your goals, answer your questions, and give you an honest picture of what's possible.

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Review Your Options

Andy will pull together personalized loan scenarios — real numbers, real rates — so you can compare and choose with confidence.

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Submit Your Application

The application process is streamlined and mostly digital. Andy guides you through every document and keeps you updated along the way.

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Close with Confidence

Andy stays involved through closing day and beyond — so you know exactly what to expect and who to call.

Start with a Free Call

Beyond the Mortgage

Investor. Mentor. Family-First.

When Andy isn't helping clients with mortgages, he's investing alongside his wife Alicia. The two have been investing in real estate since 2011 — starting with their first single-family rental and expanding into notes and self-storage. Today, with partners, they own and operate self-storage facilities across the country.

That experience as an active investor — not just a lender — informs every conversation Andy has with clients. He understands what it takes to build wealth through real estate because he's done it himself. And he's passionate about showing his fire family and friends how to do the same.

Andy and Alicia have three daughters, and they're building Alpine West Group as a legacy business for them — proof that with the right strategy, the right partners, and a refusal to settle for the default path, you can create a life that's truly yours.

What Clients Say

Real Words from Real People

Andy's clients return because the experience is different — and they tell others. Here's what they say.

Andy made the entire process so easy to understand. He answered every question patiently and we closed on time with a rate better than we expected. Couldn't recommend him more.

Sarah M. First-time homebuyer · Sacramento, CA

We refinanced through Andy and dropped our rate significantly. He broke everything down clearly, was responsive the whole time, and made sure we understood every step. Highly recommend.

James & Lisa T. Refinance · San Diego, CA

As a veteran, finding someone who really knows the VA loan process is so important. Andy walked me through everything and got me into my home with zero down. He's the real deal.

Marcus D. VA Loan Purchase · Los Angeles, CA

Getting to Know Andy Hess

What makes working with Andy different from going to a big bank?

A bank offers its own products. As a mortgage loan originator with Solidify Mortgage Advisors, Andy shops a wide range of lenders and loan programs for you, explains your options in plain language, and stays involved from the first call through closing and beyond — no call centers, no being passed around.

Andy licensed, and where can he help?

Yes. Andy Hess is a licensed Mortgage Loan Originator, NMLS #1791379 and CA DRE #02051920, working under Solidify Mortgage Advisors (NMLS #1283930). He is licensed to help homebuyers and homeowners throughout California.

Does Andy specialize in helping firefighters and first responders?

Yes. Andy is a paramedic and firefighter himself, so he understands shift schedules, overtime income, and the realities of first-responder life. He works with firefighters, police officers, EMTs, paramedics, nurses, and other California first responders — as well as homeowners and buyers from every background.

What does it cost to talk with Andy?

The initial 20-minute consultation is free, with no credit pull and no obligation. Andy believes in honest advice without fees stacked on fees or pressure — you'll get a clear picture of your options before you commit to anything.

Does Andy only do mortgages, or real estate investing too?

Andy and his wife Alicia have invested in real estate since 2011 and operate self-storage facilities across the country through Alpine West Group. That hands-on investor experience informs how Andy advises clients — he understands building long-term wealth, not just closing a loan.

How do I start a conversation with Andy?

Book a free 20-minute call or send a message through the contact page. Andy personally reviews every request and will follow up — usually within one business day — to talk through your goals.

Overtime-income specialist

NMLS Licensed #1791379

DRE #02051920

Licensed in California

5-Star Rated

Equal Housing Lender

Meet Andy Hess

Andy Hess

Your Mortgage Should Work for You — Not the Bank

The Difference is in How He Works

Schedule a Call

Review Your Options

Submit Your Application

Close with Confidence

Investor. Mentor. Family-First.

Real Words from Real People

Getting to Know Andy Hess

Have a Conversation with Andy