Your Local Mortgage Advisor Serving in the North Bay & California


C: 415.990.7990
F: 530.687.9141

Lawrence Frauens
Mortgage Advisor
MLO #296498

Lawrence Frauens is a San Francisco native, and raised in Marin County.  He began his mortgage career in 1986 at GMAC mortgage in La Jolla CA.  He has worked as a mortgage adviser/ consultant since 1988.  His interests includes all outdoor sports and photography.  Lawrence, for the last ten years, also teaches alpine skiing at Northstar resort on the weekends.  Lawrence is an Ambassador, and a volunteer for the San Anselmo Chamber of Commerce for the last 15 years.  


Here's what some of Lawrence's clients say:

This review is specific to Lawrence Frauens and his team. WOW. This guy is a great lender, but an even better person. We met Lawrence at an open house and he vowed to go above and beyond for us...and he kept that promise from day one.

Lawrence was always available and patient with questions, visited open houses when we told him about places we were thinking of making an offer on, and was a positive influence throughout the entire process.

When we did get an offer accepted he went right to work and stuck to a very tight timetable set by the seller and listing agent. Lawrence got us a great 30-year rate and even was able to get the points off. Lawrence says that he chooses to work with people he likes and then he takes great, great care of them. My wife and I agree that he actually makes that a reality.

We look forward to working with Lawrence again, but more than that appreciate his personal touch to the service and now get to call him a friend.
— Brian H. - Novato, CA
I am a physician living in San Diego. Lawrence Frauens was my mortgage broker when I bought my first home here in Southern California. Since then, he has helped me through two refinances, and in obtaining a HELOC in order to do some major remodeling.

Lawrence is an unusual broker. What I mean by that is he works for his client—not for the seller or the banker—but for you, the buyer. He has always taken a personal interest in helping me get the right loan at the best rate possible. During an era of real estate and mortgage upheaval, his knowledge of the market kept me on sound financial footing; his professional ability to work with lenders and appraisers is exceptional.

It is rare to find a businessman with such a high level of honesty and integrity. I have recommended Lawrence to many of my friends and family, and I would not consider working with anyone else when buying or refinancing property.
— K.W. - San Diego, CA
Lawrence Frauens has handled all of our mortgage needs for twenty years. He has shown remarkable determination and patience . Lawrence was even able to help us when we had a transfer to Colorado. Lawrence takes the time to find out who you are, what your financial abilities and needs are, and works very, very hard to find you exactly the right mortgage. I have very much appreciated his honesty and forthrightness.
— Jean O. - Loomis, CA
Dear Pinnacle Capital Mortgage, I would like to thank you and your loan Broker Lawrence Frauens for completing my recent refinance. Lawrence was the ultimate professional during the whole process and kept me well informed which I appreciated. Best of all he locked me into a great fixed rate loan on my house. If I ever need another loan I will definitely work with Pinnacle Mortgage and Lawrence. Thank you again for the great service.
— Kevin L.
Lawrence has helped me refinance several times during the last decade. For each occasion he has provided excellent service, at times assisting me with difficult situations in the world of mortgage financing. He has clearly explained options and I am very grateful for his expertise and assistance. He is a fantastic mortgage adviser, who works with integrity, and listens to find out exactly what you need! He has earned my complete trust!
— Julia R. - Marin County, CA