michael_cutoutFrontier Loan Group, Inc. (“FLG”), a California corporation, was founded in August of 2004 by licensed California attorney, Michael Gaddis, J.D.. However, the story of how FLG came to be dates back to 2002.

In 2002, Michael Gaddis, J.D. and his wife purchased their 1st home. Like most first time home buyers Michael Gaddis, J.D. needed a loan in order to purchase the home. At the time, Michael Gaddis, J.D. knew very little about home loans so, like most people, he relied on a friend’s referral when searching for a loan officer to help guide him through the daunting process of buying a home.

To say the least, Michael Gaddis and his wife’s experience was awful. Everything that could have gone wrong went wrong. Their loan officer continuously blamed everyone for the delays and issues that arose. Despite the numerous pitfalls and warning signs, Michael Gaddis, J.D. put his faith into his loan officer and persevered.
Only near the end did Michael Gaddis, J.D. realize that nearly all of the issues that had arisen had been caused, or could have been prevented, by his loan officer.

By the time he discovered that the loan officer was the problem, it was too late to change to another loan officer; he and his wife were at risk of losing their first home AND their earnest money deposit. When the loan finally closed, 21 days past the contracted close of escrow date, Michael Gaddis, J.D. knew that there had to be a better way to help homeowners buy or refinance their homes.

In 2004, Michael Gaddis, J.D. opened Frontier Loan Group, Inc. with a commitment that none of FLG’s clients would ever have to go through what he and his wife went through.

FLG’s fundamental principles are as follows:

  1. Simplify the loan process through educating FLG’s clients
  2. Provide full disclosure to FLG clients about pricing and interest rates
  3. Insure that the loan process is as stress-free as possible for FLG clients

As a broker, Michael Gaddis, J.D. ensures that every FLG client is treated like they are FLG’s only client. FLG and its team of loan professionals vigilantly watch for new and innovative loan programs as well as keep a watchful eye on the ever-changing interest rates.


Monica Caraballo, MBA
Associate Broker
CA BRE #01927405
NMLS #1088787

Michael Gaddis, J.D.
Broker | CEO
CA BRE #01433800
NMLS #280011

William Afzali
Lending Manager
CA BRE #01939428
NMLS #1095218

Ultimately, FLG’s goal is to provide the best possible outcome for FLG’s clients. Michael Gaddis, J.D. knows that happy clients are very quick to refer others. At FLG there is no higher form of compliment than a referral.