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Best Mortgage Brokers in Chula Vista

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2023
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Andre Enriques Mortgage Banker - Chula Vista logo

License Verified:

License: 220937

Nationwide Multistate Licensing System and Registry

Andre Enriques Mortgage Banker - Chula Vista

891 Kuhn Drive, Chula Vista, CA 91914
  • Reverse Mortgages

Business Description

Andre Enriques Mortgage Banker is a mortgage broker and direct lender that helps veterans and non-service members in Chula Vista procure mortgage loans. As a DBA of Anchor Funding, Inc., it offers portfolio loan products, downpayment assistance programs, and bank statement loans for self-employed professionals. Andre Enriques serves as the company's principal loan expert. For 17 years, he has been coordinating with VA Realtors to help local military service members and their families with their homeownership plans.

License Verified:

License: 220937

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 (126)
Zillow
5.0 / 5 (74)
Yelp
5.0 / 5 (32)

(+1 additional source)

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
BRIK Home Loans logo
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License Verified:

License: 1332699

Nationwide Multistate Licensing System and Registry

BRIK Home Loans

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3655 Avocado Boulevard, La Mesa, CA 91941
  • Refinance

Business Description

BRIK Home Loans offers a wide range of mortgage program options for clients in Chula Vista. The principals of this mortgage firm have been in the industry for more than two decades. BRIK Home Loans strives to find the right loan for its clients to help them achieve their homeownership goals. Its loan programs include VA and FHA loans as well as interest-only and fixed-rate mortgages. The company's CEO and president, Andy Brikho, has been active in the mortgage industry since 1999.

License Verified:

License: 1332699

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 (53)
Google
5.0 / 5 (38)
Yelp
5.0 / 5 (27)

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
David Matranga logo
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License Verified:

License: 1156219

Nationwide Multistate Licensing System and Registry

David Matranga

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690 Otay Lakes Road, Chula Vista, CA 91910
  • New Construction
  • Refinance

Business Description

David Matranga is a mortgage specialist in Chula Vista who offers comprehensive mortgage solutions to individuals and families in the area. Since receiving his finance degree, he has helped clients purchase their first homes or refinance their current ones through the wide array of mortgage products he offers. Available loan program options include FHA, VA, and USDA loans. Additionally, he offers assistance with refinancing to help clients reduce monthly payments, cash out some of their equity, or consolidate existing debts.

License Verified:

License: 1156219

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 (51)

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
Detail
––
Finance of America Mortgage - Chula Vista logo
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License Verified:

License: 1071

Nationwide Multistate Licensing System and Registry

Finance of America Mortgage - Chula Vista

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637 3rd Avenue, Chula Vista, CA 91910
  • Refinance

Business Description

Finance of America Mortgage - Chula Vista is a privately held firm that was founded in 1994. It caters to clients who want to refinance their loan, use their home equity, purchase a second home, and buy a new residential property. Its team of mortgage professionals offers VA, FHA, USDA, jumbo, and reverse loans. Borrowers may also choose between fixed-rate and adjustable-rate mortgages. The company's additional loan programs include student loan refinance, single rental loans, and FHA203(K) rehab loans.

License Verified:

License: 1071

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
4.5 / 5 (120)
Facebook
2.3 / 5 (6)
Zillow
5.0 / 5 (5)

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.
3.0
Responsiveness
Friendliness
Helpfulness
Detail
––
G.I. Home Loans logo
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License Verified:

License: 1823586

Nationwide Multistate Licensing System and Registry

G.I. Home Loans

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910 Hale Place, Chula Vista, CA 91914
  • Refinance
  • Reverse Mortgages

Business Description

G.I. Home Loans is a Chula Vista-based mortgage brokerage firm serving the Armed Forces members who need help with refinancing or purchasing a home. It offers a wide range of loan options, including debt consolidation, home purchase, FHA, VA, USDA, and mortgage refinance loans. G.I. Home Loans puts clients' needs first by keeping them informed about their VA benefits and finding a loan program that is best suited for them. Most of the company's associates have served in the U.S. military.

License Verified:

License: 1823586

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 (169)
Zillow
5.0 / 5 (12)
Yelp
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
Gold Financial Mortgage Services logo
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Gold Financial Mortgage Services

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900 Lane Avenue, Chula Vista, CA 91914
  • Refinance

Business Description

Gold Financial Mortgage Services is a Chula Vista-based mortgage brokerage. It offers clients financing and loan services, providing in-house processing, underwriting, and funding. It provides a comprehensive range of services, including mortgage financing, new financing, and refinancing. Furthermore, it offers conventional loans, FHA loans, and VA loans, as well as first-time homebuyer loan programs. Gold Financial Mortgage Services has been serving clients since 1987 and is affiliated with the Pacific Southwest Association of Realtors. It also caters to Spanish-speaking clients.

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.
4.0
Google
4.0 / 5 (5)

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
Griffin Funding logo
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License Verified:

License: 1120111

Nationwide Multistate Licensing System and Registry

Griffin Funding

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2445 Fifth Avenue, San Diego, CA 92101
  • New Construction
  • Refinance

Business Description

Griffin Funding provides flexible and customized mortgage solutions based on the needs of its customers in Chula Vista. It specializes in self-employed non-QM loans and VA loans, as well as refinancing and traditional mortgages. It is one of the few mortgage companies that allows veterans to cash out up to 100% of the value of their homes through their VA loans. Its VA streamlines do not require appraisal verification, credit score, income, or assets. Griffin Funding also helps in removing mortgage insurance through their MI buster loan.

License Verified:

License: 1120111

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.
4.3
Google
4.0 / 5 (228)
Yelp
5.0 / 5 (129)
Facebook
4.0 / 5 (89)

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
Detail
––
Mirna Rios logo
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License Verified:

License: 239526

Nationwide Multistate Licensing System and Registry

Mirna Rios

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880 Canarios Court, Chula Vista, CA 91910
  • New Construction
  • Purchase
  • Refinance
  • New Construction and Non-QM Loans

Business Description

Mirna Rios is a loan officer representing World Wide Credit Corporation in the Chula Vista metro. She specializes in sourcing and evaluating loan and mortgage options for clients looking to finance their home purchases or refinance their current mortgage. As an NMLS certified professional, she excels in helping clients apply for and secure loan programs, such as conventional, investment property, government, and non-conventional (jumbo) loans. Rios also focuses on building client relationships and consumer education in her business.

License Verified:

License: 239526

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 (33)
Yelp
5.0 / 5 (7)
Zillow
5.0 / 5 (5)

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
Mortgage Heroes logo
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License Verified:

License: 325149

Nationwide Multistate Licensing System and Registry

Mortgage Heroes

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873 Anchorage Place, Chula Vista, CA 91914
  • Refinance

Business Description

Operating since 2005, Mortgage Heroes is a Chula Vista-based mortgage company that has served over 1,000 families in the local area. The company's portfolio of mortgage products ranges from FHA and VA loans to conventional loans and mortgage refinancing services. Its mortgage professionals can also consult with clients online or in person to address questions and to keep them updated on their mortgages. Clients have praised the professionals at Mortgage Heroes for their extensive knowledge of various mortgage types and the application process.

License Verified:

License: 325149

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 (111)
Facebook
5.0 / 5 (23)
Yelp
5.0 / 5 (14)

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
National Home Loans logo
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License Verified:

License: 1700603

Nationwide Multistate Licensing System and Registry

National Home Loans

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350 Tenth Avenue, San Diego, CA 92101
  • Refinance
  • Reverse Mortgages

Business Description

National Home Loans is a mortgage brokerage firm serving the Chula Vista metro. Led by John Giannattasio, the firm specializes in assisting first-time homebuyers, self-employed home buyers, and military homebuyers in the area. National Home Loans provide conventional loans, FHA loans suitable for first-time buyers, rehab loans for renovation and home repair, and VA home loans for eligible veterans. The firm also offers reverse mortgages, jumbo loans, and non-QM loans for real estate investors and self-employed individuals.

License Verified:

License: 1700603

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 (148)
Yelp
5.0 / 5 (28)
Facebook
5.0 / 5 (13)

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
Patriot Home Loans logo
Visit WebsiteWebsite

License Verified:

License: 325441

Nationwide Multistate Licensing System and Registry

Patriot Home Loans

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823 Anchorage Place, Chula Vista, CA 91914
  • Refinance

Business Description

Patriot Home Loans is a mortgage broker offering home financing options to Chula Vista and nearby communities. The company's branch manager, Raul de la Vega, has served in the military and understands the whole process of Veteran Affairs (VA) loans. The loans available to veterans include VA streamline, VA purchase, VA second-tier entitlement, and VA jumbo. The company also matches other home buyers with conventional and FHA streamline loans that fit their needs.

License Verified:

License: 325441

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.
4.9
Facebook
4.0 / 5 (132)
Google
4.0 / 5 (64)
Yelp
5.0 / 5 (25)

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
Realty Executives Dillon - Chula Vista logo

Realty Executives Dillon - Chula Vista

2518 Catamaran Way, Chula Vista, CA 91914
  • New Construction
  • Refinance

Business Description

Realty Executives Dillon is a mortgage brokerage that serves clients in Chula Vista. The loan officers from the company specialize in offering homebuyers, homeowners, and real estate investors various loan options, such as VA home, FHA, and conventional loan programs. They combine their experience in handling multiple loan products with a network of resources to deliver mortgage loans that suit the needs of their clients. Broker Teresa Dillon is the owner of the mortgage company.

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.
4.6
Yelp
5.0 / 5 (19)
Google
4.0 / 5 (17)
Facebook
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Secure Funding Group logo
Visit WebsiteWebsite

License Verified:

License: 329246

Nationwide Multistate Licensing System and Registry

Secure Funding Group

Visit WebsiteWebsite
310 3rd Avenue, Chula Vista, CA 91910
  • New Construction
  • Refinance

Business Description

Secure Funding Group offers a wide array of mortgage products that cater to a variety of financing needs. The company provides fixed-rate, adjustable-rate, and reverse mortgage options. They also have loan options for FHA, VA, ASDA, HARP, and even jumbo loans. Purchase and refinance services are also covered. The full-service mortgage brokerage firm has a team of loan officers with over 45 years of combined working experience in various national mortgage lender companies. Secure Funding Group is located in Chula Vista.

License Verified:

License: 329246

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.
4.3
Google
4.2 / 5 (5)
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Secure Funding Group logo
Visit WebsiteWebsite

License Verified:

License: 329246

Nationwide Multistate Licensing System and Registry

Secure Funding Group

Visit WebsiteWebsite
310 3rd Avenue, Chula Vista, CA 91910
  • Refinance

Business Description

Secure Funding Group is a full-service mortgage brokerage firm serving consumers and Realtors in Chula Vista and its surrounding areas. Its team of loan officers has 45 years of combined mortgage lending experience. The company offers mortgage products such as 15-year and 30-year fixed mortgage, adjustable-rate mortgage, FHA/VA/USDA/HARP loans, and Jumbo loans. Reverse mortgage option is also available to clients 62 years old and above. Clients can also use the company's online tools to start their loan applications.

License Verified:

License: 329246

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.
4.3
Yelp
4.0 / 5 (21)
Google
4.0 / 5 (6)
Facebook
5.0 / 5 (1)

(+1 additional source)

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
SoCal Mortgage Expert logo
Visit WebsiteWebsite

License Verified:

License: 836044

Nationwide Multistate Licensing System and Registry

SoCal Mortgage Expert

Visit WebsiteWebsite
860 Kuhn Drive, Chula Vista, CA 91914
  • Refinance

Business Description

Eric Cordero of The SoCal Mortgage Expert is a Chula Vista-based loan officer. He works with Western Capital Mortgage. Eric offers loan and refinancing programs, assisting in loan programs that include fixed-rate, adjustable-rate, interest-only, balloon, reverse, and graduated payment mortgages. Hybrid ARM, FHA loans, and VA loans are also included in his services. For refinancing, Eric offers FHA streamline, USDA streamline, FHA cash-out, VA cash-out, and VA IRRRL refinancing services. Eric graduated with a Bachelor of Arts in Economics degree.

License Verified:

License: 836044

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
Helpfulness
Detail
SouthWest Equity Mortgage logo

License Verified:

License: 245624

Nationwide Multistate Licensing System and Registry

SouthWest Equity Mortgage

438 Corte Calypso, Chula Vista, CA 91914
  • New Construction
  • Refinance

Business Description

SouthWest Equity Mortgage is a mortgage brokerage helping Chula Vista homeowners and homebuyers select the most suitable mortgage program according to their personal and financial situation. The firm's programs include home purchase, home equity, VA, FHA, USDA, and jumbo loans. It also offers reverse mortgage loans, home refinancing, and short-pay refinancing. In addition, the SouthWest Equity Mortgage team aims to provide its clients with the best financial options while forming lasting business relationships with them.

License Verified:

License: 245624

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 (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
Western Capital Mortgage logo
Visit WebsiteWebsite

License Verified:

License: 01761695

Nationwide Multistate Licensing System and Registry

Western Capital Mortgage

Visit WebsiteWebsite
860 Kuhn Drive, Chula Vista, CA 91914
  • Refinance
  • Reverse Mortgages

Business Description

Western Capital Mortgage is a firm serving clients in Chula Vista and nearby areas. It assists homebuyers and homeowners through loan programs and refinancing options, including reverse mortgage, purchase, and conventional loans. It offers government-insured mortgages such as FHA and VA loans. The firm works with commercial clients who want to avail loans to build new properties or fund an existing one. Down payment assistance programs are also available. In 2005, founder Daniel Contreras started his career as a part-time loan processor for his wife.

License Verified:

License: 01761695

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.
4.8
Zillow
5.0 / 5 (232)
Google
4.0 / 5 (28)
Yelp
4.0 / 5 (14)

(+1 additional source)

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
William Flores logo
Visit WebsiteWebsite

License Verified:

License: 325149

Nationwide Multistate Licensing System and Registry

William Flores

Visit WebsiteWebsite
873 Anchorage Place, Chula Vista, CA 91914
  • Refinance
  • Multi-Family Loans

Business Description

Representing Mortgage Heroes, William Flores has been providing mortgage loan products to clients in Chula Vista for 16 years. Striving to help clients fulfill their dream of homeownership, William works with clients in facilitating the mortgage process including purchase, rate and term refinance, and cash-out refinance. In addition to conventional, VA, and FHA loans, he also is constantly becoming certified for new lending products. Mortgage Heroes helps families of active military personnel and veterans in questions about housing.

License Verified:

License: 325149

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 (111)
Facebook
5.0 / 5 (22)
Yelp
5.0 / 5 (17)

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.