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Best Mortgage Brokers in Carlsbad

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David McGee logo

David McGee

10509 Vista Sorrento Parkway, San Diego, CA 92121
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  • Refinance
  • Reverse Mortgages

David McGee is a mortgage broker with C2 Financial that has been serving clients in the Carlsbad area for over 30 years. He provides assistance to clients looking to buy a home or refinance their properties. He specializes in reverse mortgages, including the HECM loan backed by the FHA, that can turn a portion of a home's equity into cash. Jumbo reverse mortgage loans are available. David has helped over 65,000 families finance their homes.

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MortgageOne, Inc logo

MortgageOne, Inc

5860 Owens Avenue, Carlsbad, CA 92008
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  • Refinance

Based in Carlsbad, MortgageOne, Inc., assists clients in choosing financing options for home purchases. The firm offers various loan types, including jumbo, fixed-rate, adjustable-rate, FHA, and VA loans. It also provides refinancing solutions, such as cash-out refinance. Owner Bryce Schetselaar previously worked as a loan originator for the Bank of America and later established his own firm in 2012. MortgageOne, Inc., operates in seven states. In addition, it is an Equal Housing Lender.

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Steve Hougard Loans logo

Steve Hougard Loans

2611 South Coast Highway 101, Cardiff by the Sea, CA 92007
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  • Refinance
  • Reverse Mortgages
  • Purchase Transactions

Steve Hougard Loans serves Carlsbad and its neighboring metros. The company provides mortgage solutions to individuals who are buying or refinancing a property. Its mortgage specialists walk clients through the whole home buying process, from pre-qualification, application, processing, and approval to closing. They are committed to closing a loan in 30 days or less. They also present various loan options to clients, which include FHA, VA, conventional, and reverse mortgages. The company has been serving the community since 1987 and has processed over 2,000 loans.

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Tim Austin, Inc. logo

Tim Austin, Inc.

6965 El Camino Real, Carlsbad, CA 92009
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  • Refinance

Tim Austin, Inc., is a mortgage brokerage owned and operated by Tim Austin. Serving clients in the Carlsbad area, he provides home mortgage loans for purchasing, refinancing, and reverse mortgages. He also offers services for income-producing rental properties and vacation rentals. In addition, Tim helps maximize revenues through Airbnb, Home Away, and VRBO. Tim has over 20 years of experience in the mortgage, investment, and financial industries. He has various tools like loan calculators for homeowners.

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Frequently Asked Questions

Q: Do mortgage brokers need to be licensed?

A: Yes, all mortgage brokers need to be licensed. Individuals need to complete a 20-hour class that goes over state and federal laws for mortgages and other important information. Next, individuals take the official test with the National Mortgage Licensure System.

Q: Is it difficult to pass the mortgage brokers’ test?

A: Upon completion of educational requirements, you must pass the mortgage broker test to receive your license. It's a two-part test called the Safe Mortgage Loan Originator Exam, and it can be a bit challenging. Out of almost 87,600 national test-takers, 57% passed on their first attempt. The test includes both a state and national portion and requires a minimum score of 75% to pass.

Q: What is a surety bond for mortgage brokers?

A: A surety bond is a legal contract that binds three parties — the obligee, the principal, and the surety. Surety bonds are typically required to receive a license for operating as a mortgage broker. When a mortgage broker gets a surety bond, it's a legal guarantee they'll perform their obligations to their customers as required by law.

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