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Best Mortgage Brokers in Baldwin Park

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2023
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Evans Financial Network logo
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License Verified:

License: 366851

Nationwide Multistate Licensing System and Registry

Evans Financial Network

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615 Smoketree Dr, La Verne, CA 91750
  • Refinance
  • New Construction

Business Description

Evans Financial Network offers personalized mortgage solutions for clients in and around Baldwin Park. The loan options it provides include 30-year fixed-rate mortgages and government-backed loans with the VA and FHA. Its loan application process starts by having clients complete a qualifier form, after which it would give options that best fit their assessed financial criteria. Evans Financial Network was founded by Chuck Evans, an experienced loan officer who also equips clients with online calculators and decision-making tools.

License Verified:

License: 366851

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (3)
Futura Financial Inc. logo

License Verified:

License: 297869

Nationwide Multistate Licensing System and Registry

Futura Financial Inc.

750 Terrado Plaza, Suite 114, Covina, CA 91723
  • Refinance

Business Description

Futura Financial Inc. handles the mortgage financing needs of individuals and families throughout Baldwin Park and the nearby areas. The firm offers a wide array of loan options, whether clients are consolidating their debts, refinancing their homes, or buying their first ones. These options include conventional fixed-rate and adjustable-rate mortgages; VA, jumbo, and FHA loans; reverse mortgages; and refinance mortgage loans. Its mortgage broker and owner, Scott Wilson, has been in the real estate industry for four decades.

License Verified:

License: 297869

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Facebook
4.4 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
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HLOANPRO logo
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License Verified:

License: 1653630

Nationwide Multistate Licensing System and Registry

HLOANPRO

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4115 E Live Oak Ave. Ste 6, Arcadia, CA 91006
  • New Construction

Business Description

HLOANPRO is a mortgage broker offering a variety of programs to the Baldwin Park community. Led by Henry Moranchel, it personalizes services by deploying online resources, automated procedures, and wholesale loan options. Moranchel and his team create mortgage solutions for senior homeowners, school teachers, and clients looking to renovate homes or refinance existing loans. Moranchel holds a Master's degree in Science and has been in the industry since 2001. He has experience with foreclosed properties, short sales, and new homes.

License Verified:

License: 1653630

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
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Detail
Jomar Financial Inc. logo

License Verified:

License: 366955

Nationwide Multistate Licensing System and Registry

Jomar Financial Inc.

415 S. Glendora Avenue, ​West Covina, CA 91790
  • Refinance

Business Description

Jomar Financial Inc. is a West Covina-based company that caters to clients across the Baldwin Park metro. It assists aspiring homeowners through the mortgage application process and offers adjustable-rate loans. The company also addresses the individual's concerns regarding down payment assistance programs. It deals with other clients seeking to refinance their mortgages. Its owner, Jose Gutierrez, is the founder of Village Realtors. He has more than 40 years of experience in the real estate field.

License Verified:

License: 366955

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (3)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
JV Realty and Home Loans logo
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License Verified:

License: 224206

Nationwide Multistate Licensing System and Registry

JV Realty and Home Loans

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2222 W Garvey Ave South, Suite 1, West Covina, CA 91790
  • Refinance

Business Description

JV Realty and Home Loans aims to help individuals and families in the Baldwin Park community achieve their dreams of homeownership through its mortgage brokerage services. With Realtors on staff, the company provides full-service support to customers in their search for suitable properties as well as appropriate loan packages to enable them to secure their dream homes. One of its loan officers, Vicky Leyva, has been in the real estate industry since 1991 and began her journey as Senior Loan Officer in 2002.

License Verified:

License: 224206

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
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Detail
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Lakeside Home Loans logo
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License Verified:

License: 2320142

Nationwide Multistate Licensing System and Registry

Lakeside Home Loans

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14607 Ramona Blvd. Suite C, Baldwin Park, CA 91706
  • Commercial Loans

Business Description

Lakeside Home Loans is a mortgage company that helps Baldwin Park clients who are planning to purchase a new home or refinance their existing loans. Some of the loan types it provides include fixed- and adjustable-rate loans, as well as government-backed ones like VA and FHA loans. Lakeside Home Loans maintains affiliations with various lenders so that clients can choose from different programs depending on their financial situation. The company also makes standard payment, refinance, and amortization calculators available to help individuals with decision-making.

License Verified:

License: 2320142

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (9)
Google
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
LifeSource Mortgage logo

License Verified:

License: 321759

Nationwide Multistate Licensing System and Registry

LifeSource Mortgage

1238 Puerta del Sol, Suite 2-E, San Clemente, CA 92673
  • Refinance

Business Description

LifeSource Mortgage is a brokerage firm that handles loan applications from clients in the greater Baldwin Park metro. It offers brokerage services and provides borrowers with a selection of loan options for home purchases and refinancing. Its loan products include adjustable-rate, fixed-rate, FHA, VA, jumbo, and stated income mortgages. LifeSource Mortgage is a locally owned and operated business that has been in the industry since 2006. Its mortgage professionals are certified by the Nationwide Mortgage Licensing System.

License Verified:

License: 321759

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Zillow
5.0 / 5 (69)
Yelp
5.0 / 5 (49)
Facebook
5.0 / 5 (10)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Living Right Now logo
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License Verified:

License: 948962

Nationwide Multistate Licensing System and Registry

Living Right Now

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6723 Newlin Ave., Whittier, CA 90601
  • Reverse Mortgages

Business Description

Since 2006, Living Right Now has been dealing with clients across Baldwin Park. The company mainly offers reverse mortgages, a program that allows senior homeowners to convert a portion of their home equity into cash. The program helps clients acquire four-unit properties or fund home improvement projects. The company also provides an online reverse mortgage calculator to guide homeowners in their decision-making. Its owner, Tina Soriano, previously worked as a realtor under Mulhearn Home Brokers. She holds a Seniors Real Estate Specialist designation.

License Verified:

License: 948962

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Mortgages by Ernie logo

License Verified:

License: 1608346

Nationwide Multistate Licensing System and Registry

Mortgages by Ernie

2934 E. Garvey Ave South Suite 250D, West Covina, CA 91791
  • Refinance

Business Description

Mortgages by Ernie caters to clients in Baldwin Park who seek home purchase loans. Its team serves renters who wish to own properties and take advantage of government-backed programs. It also has options for members of the military. Refinancing is available to take advantage of less burdensome terms and conditions of fulfillment. Ernie, its primary agent, has been in the lending sector for more than two decades and gives personalized attention to every customer. He keeps abreast of current market trends to better advise buyers.

License Verified:

License: 1608346

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Prominence Funding logo
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License Verified:

License: 1658251

Nationwide Multistate Licensing System and Registry

Prominence Funding

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1822 E Route 66, A, Glendora, CA 91740
  • Refinance
  • New Construction

Business Description

Prominence Funding is a mortgage broker serving both residential property owners and home purchasers in Baldwin Park. The company offers the no-income, no-employment loan program for clients who are self-employed, retired, or small business owners. It has non-qualified mortgage options for various borrowers, including those with considerable assets, buyers with blemished credit histories, foreigners, and real estate investors. Prominence Funding aims to match individuals with the mortgage of their choice to achieve the dream of homeownership.

License Verified:

License: 1658251

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Super Mortgage Brothers logo

License Verified:

License: 244948

Nationwide Multistate Licensing System and Registry

Super Mortgage Brothers

1900 W. Garvey Ave S. #100, West Covina, CA 91790
  • Refinance

Business Description

Super Mortgage Brothers is a West Covina-based firm that caters to loaning and refinancing applicants in Baldwin Park. Its agents focus their approach on matching clients with loan plans that fit their financial capabilities and long-term needs, such as interest rate improvement and home improvement. They utilize over two decades of combined experience in analyzing interest rates, evaluating financial documents, assessing credit scores, and monitoring local market trends. To date, the company has offered its services and programs to more than 1,500 local families.

License Verified:

License: 244948

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (95)
Yelp
5.0 / 5 (40)
Facebook
4.9 / 5 (33)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
The Accel Team logo
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License Verified:

License: 1964528

Nationwide Multistate Licensing System and Registry

The Accel Team

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939 E Santa Ana Blvd., Santa Ana, CA 92701
  • Refinance

Business Description

The Accel Team is a brokerage firm serving clients across LA County, including Baldwin Park. It operates its business under the philosophy of respecting an individual's needs and situation by exploring loan scenarios and delivering loan programs that would benefit the client's long-term financial health. Its team of mortgage professionals shares a combined industry experience of more than 20 years, assisting traditional home buyers, self-employed individuals, and investors, as well as non-typical borrowers with a disadvantageous credit score or a bankruptcy history.

License Verified:

License: 1964528

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • Introduction

    It’s the American dream to buy property, and almost everyone who purchases a home does so with the help of a mortgage broker. It can be intimidating when you don’t know where to begin, what information is necessary, and how to receive a loan. A mortgage broker acts as an intermediary between the applicant and the financial institution.


    The mortgage broker’s role includes comparing loan terms across lenders to find applicants the best options, collecting paperwork the financial institution needs to analyze the application, and guiding the buyer through the underwriting and closing processes. Mortgage brokers can significantly simplify the home buying process.

  • Can mortgage brokers work across state lines?

    Yes, mortgage brokers can work across state lines. However, each state has different licensing requirements for mortgage brokers. Customers should ensure their broker can legally work in another state before going across state lines. Lastly, don’t forget the mortgage process is often time-sensitive, so being in different time zones can be problematic.

  • How do mortgage brokers find lenders?

    Mortgage brokers work independently and act as a bridge between the client and the lender. They reach out to several lenders to form a network and build professional relationships with those they work with often. They use lenders who best meet a client's rates and terms, and some lenders only do business through mortgage brokers.  

  • What credit score do mortgage brokers use?

    There are two credit scoring models in the United States: FICO and VantageScore. Mortgage lenders typically prefer to use FICO. However, each credit bureau uses a different version of the FICO score:

    • Experian uses FICO Score 2
    • Equifax uses FICO Score 5
    • TransUnion uses FICO Score 4

  • Do mortgage brokers help with refinancing?

    Yes, mortgage brokers can help with refinancing. Individuals who have a solid credit score will typically go to their bank to refinance their mortgage. However, if you don't have excellent credit, a mortgage broker may be able to secure you a better interest rate than you could get on your own.

    You pay a fee to the mortgage broker, so you'll want to consider this fee versus your savings in your cost-benefit analysis.
  • Can you work with two mortgage brokers?

    You can definitely work with two mortgage brokers. The advantage of using multiple brokers is that you'll have two people reaching out to several lenders to secure the best rate possible. However, you must ensure you provide matching information to all your brokers. If two brokers provide mismatched information about your application to the same lender, it can send off red flags and delay your approval process.

  • Do mortgage brokers get better deals?

    Yes, a mortgage broker should be able to get you a better deal. Mortgage brokers go to several lenders on your behalf and find the one with the best terms and interest rates. However, note that some mortgage brokers have preferred lenders. A broker may bring you their preferred lender's offer, even if it's not the best one; however, this isn't a regular practice.