Expertise.com

2024

Last updated:

Best Mortgage Brokers in Carson, CA

Our Recommended Top 13

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Carson Mortgage Brokers on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

35Reviewed

26Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

32172-A, Camino Capistrano, San Juan Capistrano, CA 92675
WebsiteLicense: 246471

Expertise.com Rating

Review Sources

Google
5.0 (545)
Facebook
5.0 (143)
Yelp
5.0 (64)

Why choose this provider?

Mares Mortgage offers a variety of broker services to locals in Carson. The crew has simple bridge loans and jumbo options. It takes on an educational approach when dealing with clients and counsels them on the nitty-gritty details of mortgage transactions, including real estate taxation, insurance, and interest. The company works with the Mares Foundation, which gives back to the planet by cleaning up oceans and saving marine life. CEO Cutberto Hernandez is a loan industry veteran who entered the field in 1993.

  • Refinance

6526 Ocean Crest Drive Unit A311, Rancho Palos Verdes, CA 90275
WebsiteLicense: 2159097

Expertise.com Rating

Review Sources

Google
5.0 (9)

Why choose this provider?

Runa Mortgage is a woman-owned and woman-operated brokerage that connects clients in Carson with lenders. It offers various loan options for first-time homebuyers and experienced real estate investors, including jumbo, rehab, and fixed-rate mortgages. In addition, the brokerage provides refinancing to help borrowers lower their interest rates and change the duration of their mortgage loans. Its owner, Sravanthi Pothuganti, uses her knowledge of various types of borrowers, including immigrants, to help them obtain mortgage loans from wholesale lenders.

  • Refinance

3840 Woodruff Ave Suite 204, Long Beach, CA 90808
WebsiteLicense: 1274324

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Boardwalk Financial is a Long Beach-based mortgage firm that offers its programs to individuals and families within Carson. Its agents provide clients with a variety of tailored financial plans, including fixed- and adjustable-rate mortgages, that cover first-time and subsequent property acquisitions. They assess each applicant's qualifications for specific programs based on preliminary assessments of their debt-to-income ratios, preferred terms, and targeted interest rates. They also have government loan choices and refinancing options for military veterans and those seeking to pay their debts.

  • Refinance
  • New Construction

1650 Ximeno Ave Ste 210, Long Beach, CA 90804
WebsiteLicense: 1448432

Expertise.com Rating

Review Sources

Google
5.0 (179)

Why choose this provider?

Jack Skovgard is a mortgage advisor catering to homebuyers in the Carson metro. He and his team at Long Beach Home Loan guide clients in purchasing their first property, moving up, or refinancing existing mortgages. They create strategies to find minimal to low downpayment products and close deadlines in a timely manner. In addition, they provide mortgage products to investment buyers and seniors. Skovgard has been serving clients in the industry since 2015.

  • New Construction

24051 Neece Ave Ste B, Torrance, CA 90505
WebsiteLicense: 327902

Expertise.com Rating

Review Sources

Yelp
5.0 (20)
Google
5.0 (6)

Why choose this provider?

Founded in 2001, Midgate Mortgage serves homeowners and home buyers across Carson and the neighboring cities. It offers mortgage loan programs for individuals wishing to purchase residential, commercial, investment, vacation, and owner-occupied properties suitable for their needs and financial goals. These loan programs include FHA, conventional, jumbo, and high-balance mortgages. It also serves clients wanting to apply for renovation and reverse loans. The company's founder, Steve Chelebian, has more than 24 years of industry experience.

  • Refinance
  • New Construction

3812 Sepulveda Blvd. Suite 380, Torrance, CA 90505
WebsiteLicense: 1988298

Expertise.com Rating

Why choose this provider?

Prestige Finance Group caters to Carson clients' mortgage needs. The company offers various lending options for customers who are seeking to purchase their first homes or invest in real estate properties. These include fixed and adjustable rates, as well as FHA, VA, and USDA loans. It also carries refinancing programs for homeowners looking to lower their monthly payments and restructure their current terms. Clients can access self-help mortgage tools found on the company's website to calculate payments, browse properties for sale, and estimate home value.

  • Refinance
  • New Construction

1308 Sartori Ave, Torrance, CA 90501
WebsiteLicense: 1947588

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

D.Reams and Company provides home loan and real estate solutions to clients in the Carson community. It offers conventional, FHA, and VA loan programs with 15-year and 30-year terms. It also assists seniors looking to downsize their homes with reverse mortgages. D.Reams and Company carries various residences, including cabins, condos, townhouses, manufactured homes, and single-family and multi-family houses. It is headed by David Reams, a loan originator and real estate broker with over 36 years of experience.

  • Refinance
  • New Construction

234 S Guadalupe Ave # B, Redondo Beach, CA 90277
WebsiteLicense: 240176

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

SSK Mortgage offers a wide range of loan options to clients in Carson and the surrounding areas. Its loan programs include FHA and VA loans, and fixed-term loans ranging from 15 and 30 years. It also offers loan refinancing plans to cash out from equity, lower monthly amortization, shorten the term of the loan, and reduce the interest rate. The company provides tailored mortgage programs to accommodate the specific needs, preferences, and financial capabilities of its clients.

  • Refinance

939 E Santa Ana Blvd., Santa Ana, CA 92701
WebsiteLicense: 1900275

Expertise.com Rating

Review Sources

Facebook
5.0 (8)

Why choose this provider?

Scott Lending Team is a mortgage brokerage that serves individuals and families in Carson. Its services include home purchase loans as well as refinancing options. The brokerage provides a variety of loan options, including fixed 30-year and 15-year mortgages, adjustable-rate mortgages, FHA, VA, and jumbo loans. HARP loans and reverse mortgages are also available. The team is led by Jeremy Scott, an E Mortgage Capital mortgage broker who also serves clients in Oregon, Washington, and Tennessee.

  • New Construction

644 S. Barranca Ave, Covina, CA 91723
WebsiteLicense: 1155129

Expertise.com Rating

Review Sources

Facebook
4.9 (96)
Yelp
5.0 (7)
Google
5.0 (5)

Why choose this provider?

C&S California Capital has been catering to the mortgage needs of clients in Carson since 1997. The agency helps first-time homebuyers, experienced investors, and homeowners in qualifying for home loans to purchase properties or refinance existing mortgages. Its loan options include conventional, jumbo, USDA, and FHA. It also provides assistance for mobile home lenders, as well as carries specialty programs for teachers, firefighters, and correctional officers. Dawn Cychner, one of the company's loan originators, is a former president of the California Association of Mortgage Professionals.

  • Refinance
  • New Construction

28924 South Western Avenue, Suite 110, Rancho Palos Verdes, CA 90275
WebsiteLicense: 332480

Expertise.com Rating

Review Sources

Facebook
4.6 (10)
Yelp
5.0 (10)
Google
5.0 (8)

Why choose this provider?

Excel Funding Real Estate Services, Inc., works with real estate buyers, sellers, and refinancers in Carson. It offers loan products for different scenarios, including conventional, FHA, Jumbo, and reverse mortgages. It also assists homeowners facing foreclosure through loan modification and short-pay refinancing. Its unique position as a real estate and financing company in one helps give clients a streamlined experience and one-on-one attention from its agents. CEO Frances Baldwin is a Realtor and loan officer with 30 years of experience.

  • Refinance
  • New Construction

2370 West Carson Street #130, Torrance, CA 90501
WebsiteLicense: 362733

Expertise.com Rating

Review Sources

Google
5.0 (75)
Yelp
5.0 (19)

Why choose this provider?

Realinterest Mortgage Brokers is a family-owned business serving residents in and around Carson. Since 2005, it has been addressing the real estate needs of homebuyers and investors. The company conducts consultations to determine clients' property goals and budgets and guides them throughout the mortgage process. It provides FHA, VA, and conventional loan programs and assists borrowers in developing refinancing solutions to reduce their interest rates and monthly payments. One of the co-founders, JR McDonald, has been in the lending industry for over 20 years.

  • Refinance

2015 Manhattan Beach Blvd, Redondo Beach, CA 90278
WebsiteLicense: 1099109.

Expertise.com Rating

Review Sources

Google
4.6 (220)

Why choose this provider?

Civic caters to clients in Carson who need mortgage brokers. Its options include bridge loans with periods ranging from a year to two, which are fit for borrowers who have trouble meeting FICO requirements for competing programs. Long-term programs are available, and the team refinances current obligations to take advantage of more favorable conditions. Civic is a private lending company that focuses on residential investment assets that are non-owner occupied. It started CIVIC Cares, an initiative that supports the local community.

  • Refinance
  • New Construction

Compare our Top Mortgage Brokers

NameExpertise RatingAddressPromotionsLearn more
Mares Mortgage
32172-A, Camino Capistrano, San Juan Capistrano, CA 92675
Runa Mortgage
6526 Ocean Crest Drive Unit A311, Rancho Palos Verdes, CA 90275
Boardwalk Financial
3840 Woodruff Ave Suite 204, Long Beach, CA 90808
Jack Skovgard
1650 Ximeno Ave Ste 210, Long Beach, CA 90804
Midgate Mortgage
24051 Neece Ave Ste B, Torrance, CA 90505
Prestige Finance Group
3812 Sepulveda Blvd. Suite 380, Torrance, CA 90505
D.Reams and Company
1308 Sartori Ave, Torrance, CA 90501
SSK Mortgage
234 S Guadalupe Ave # B, Redondo Beach, CA 90277
Scott Lending Team
939 E Santa Ana Blvd., Santa Ana, CA 92701
C&S California Capital
644 S. Barranca Ave, Covina, CA 91723
Excel Funding Real Estate Services, Inc.
28924 South Western Avenue, Suite 110, Rancho Palos Verdes, CA 90275
Realinterest Mortgage Brokers
2370 West Carson Street #130, Torrance, CA 90501
Civic
2015 Manhattan Beach Blvd, Redondo Beach, CA 90278

FAQs

  • 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.