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Best Mortgage Brokers in Chico

Our Recommended Top 5

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 Chico Mortgage Brokers on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.



5Top Picks

Learn about our selection process.


featured provider = Featured Provider

Chico, CA
WebsiteLicense: 249825 Rating

Why choose this provider?

Dara Delgado helps fulfill the mortgage needs of customers in Chico and nearby communities. She is a loan officer who has been working in the mortgage industry since she was 19 years old. She caters to clients who need assistance getting approved for home purchase loans and those who want to refinance their existing loans. She also helps people improve their credit scores. Dara strives to deliver quality customer service through her good communication skills and work ethic.

  • Refinance

155 E 3rd Ave, Chico, CA 95926
WebsiteLicense: 358237 Rating

Review Sources

5.0 (9)
5.0 (3)

Why choose this provider?

Network Mortgage caters to clients in Chico and the surrounding communities who need a variety of brokerage services. The team's loan process extends from the pre-approval stage to closing. Its loan programs include government-backed options for agricultural property buyers and military service veterans. It offers specialty solutions for purchasers with debt consolidation needs, as well as reverse mortgages for the elderly. Network Mortgage is an independent agency that started in 1994.

  • Refinance
  • New Construction

15 Moraga Dr, Chico, CA 95926
WebsiteLicense: 1249828 Rating

Review Sources

5.0 (1)

Why choose this provider?

Russell Street helps residents of Chico and the surrounding communities with their mortgage needs. He is a mortgage loan officer who works for Quickstart Mortgage Group. He caters to people who want to obtain home purchase loans or those who intend to refinance their existing loans. He works with clients to find the right lender and mortgage program based on their needs. Street strives to simplify the mortgage process by evaluating each borrower's unique situation.

  • Refinance

300 Salem St., Chico, CA 95928
WebsiteLicense: 2326979 Rating

Review Sources

5.0 (237)
4.8 (32)
5.0 (23)

Why choose this provider?

Fairway Independent Mortgage Corporation caters to seasoned veterans and first-time home buyers in Chico and nearby communities. The business provides different loan programs, such as adjustable terms, jumbo, FHA, USDA, 30- and 15-year fixed-rate mortgages, and home renovation loans. Its team of mortgage professionals, with more than a decade of industry experience, assists customers in the loan process—from application to the closing stage. Fairway Independent Mortgage also handles refinance analysis and mortgage rate comparison services.

  • Refinance
  • New Construction

120 W 2nd Street, Unit 2, Chico, CA 95928
WebsiteLicense: 1865384 Rating

Review Sources

5.0 (52)
4.8 (10)

Why choose this provider?

IMS Lending is a mortgage brokerage firm serving clients in Chico. The company simplifies the home loan process by assisting individuals and families in locating financing options for their homeownership goals. Its mortgage specialists educate clients on the differences between home loans such as fixed-rate, ARM, conforming, jumbo, and government loans. The team also offers mortgage refinance programs to individuals looking to lower monthly payments and interest rates. The company has been in the mortgage and real estate business for over 20 years.

  • Refinance


  • 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.