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Best Mortgage Brokers in Concord

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Alterra Home Loans logo
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License Verified:

License: 133739

Nationwide Multistate Licensing System and Registry

Alterra Home Loans

1070 Concord Avenue, Concord, CA 94520
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Business Description

Altera Home Loans are Mortgage Brokers in Concord, California. Its headquarter is in Las Vegas, Nevada. In 2007, Panorama Mortgage Group (PMG) was founded through Alterra. This multi-brand national mortgage company aimed to heighten family wealth by way of ownership for first-time Hispanic homebuyers. The company's CEO and Co-founder Jason Madiedo have been in the mortgage industry for 27 years. The company caters to first-time homebuyers as well as clients interested in refinancing their real estate. They provide a 10-step-homebuying process.

License Verified:

License: 133739

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
5.0 / 5 (31)
Brian Humphrey logo
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License Verified:

License: 289208

Nationwide Multistate Licensing System and Registry

Brian Humphrey

1777 Botelho Drive, Suite 370, Walnut Creek, CA 94596
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  • Purchase
  • New Construction
  • Refinance

Business Description

Brian Humphrey is a mortgage specialist that has been serving families and individuals in Concord, Walnut Creek, and surrounding areas. Humphrey started his career in 1990 and He is a branch manager with Supreme Lending that was founded in 1999. Humphrey and his team provide assistance in navigating the loan process whether it's for purchasing a primary home, second home, condominium, or new house construction. He also provides first-time homebuyers downpayment assistance and loan programs, such as conventional, jumbo, and government loans.

License Verified:

License: 289208

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 (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
C2 Financial Corporation logo
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License Verified:

License: 323279

Nationwide Multistate Licensing System and Registry

C2 Financial Corporation

2950 Buskirk Avenue, Walnut Creek, CA 94597
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  • Refinance

Business Description

C2 Financial Corporation is a mortgage brokerage firm that has been providing services to clients in Concord and surrounding areas since 2009. It has partnered with over 100 lenders to help individuals and families get a home financing loan that fits their needs. The company's president and managing director, David Temko, is experienced in lending, commercial mortgage, and banking transactions. C2 Financial Corporation was featured in National Mortgage Professional Magazine and San Diego's Business Journal.

License Verified:

License: 323279

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 (30)
Facebook
4.3 / 5 (3)
CA Mortgage Pro logo
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License Verified:

License: 236113

Nationwide Multistate Licensing System and Registry

CA Mortgage Pro

3059 Rohrer Drive, Lafayette, CA 94549
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  • Refinance
  • Reverse Mortgages

Business Description

CA Mortgage Pro is a Lafayette-based company that extends its services to customers in the Concord metro and surrounding communities. It helps home buyers by providing a range of loan programs such as conventional, jumbo, FHA, VA, and purchase loans. Other options include conforming, fixed- and adjustable-rate mortgages, debt consolidation cash-out, reverse mortgages, and private money loans. CA Mortgage Pro also offers refinancing services. Its owner, Jerry, is a mortgage broker who carries 26 years of lending experience.

License Verified:

License: 236113

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 (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
Helpfulness
Detail
Casey Sullivan logo
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License Verified:

License: NMLS ID:237837

Nationwide Multistate Licensing System and Registry

Casey Sullivan

200 Pringle Avenue, Walnut Creek, CA 94596
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  • New Construction

Business Description

Casey Sullivan is a mortgage broker available to clients in Concord and in surrounding areas. He works as a senior loan consultant under Summit Funding, Inc. With his team, Casey Sullivan specializes in providing assistance in home purchase, refinance, and high net worth loans as well as mortgage negotiations. He also handles loans, such as Fannie Mae and Freddie, jumbo, FHA, and VA. Casey Sullivan also offers services under real estate, sales strategy, marketing, and credit analysis.

License Verified:

License: NMLS ID:237837

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 (59)
Yelp
5.0 / 5 (43)
Facebook
5.0 / 5 (2)

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
––
Change Home Mortgage - Pleasant Hill logo
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License Verified:

License: 1845564

Nationwide Multistate Licensing System and Registry

Change Home Mortgage - Pleasant Hill

2300 Contra Costa Boulevard, Pleasant Hill, CA 94523
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  • Refinance

Business Description

Founded in 1994, Commerce Home Mortgage in Pleasant Hill is an advocate of fair homeownership. It offers a variety of financing solutions to underbanked homeowners in Concord and its surrounding communities. These include non-traditional, conventional, veteran, and FHA loans. Valuing transparency and accountability at work, Commerce Home Mortgage has received various recognitions, such as the National Mortgage Professional Magazine’s Top Mortgage Employer in 2018 and Mortgage Executive’s 50 Best Companies to Work For.

License Verified:

License: 1845564

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.
4.0
Google
4.0 / 5 (43)
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
Chrissy Sittinger logo
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License Verified:

License: 1615563

Nationwide Multistate Licensing System and Registry

Chrissy Sittinger

4820 Business Center Drive, Fairfield, CA 94534
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  • New Construction
  • Refinance

Business Description

Chrissy Sittinger is a mortgage advisor and consultant attending to the needs of Concord. She has been in the real estate industry since 1998 and is a current branch manager at Pinnacle Home Loans Fairfield Branch. Chrissy Sittinger caters to refinancing requests, first-time homebuyers, and expanding a real-estate portfolio. She helps every client in using her expertise to provide personalized rates that will fit their needs. After 17 years of working for a title company, Chrissy transitioned into the mortgage business.

License Verified:

License: 1615563

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)
Cornerstone Real Estate And Home Loans Inc. logo
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License Verified:

License: 345575

Nationwide Multistate Licensing System and Registry

Cornerstone Real Estate And Home Loans Inc.

543 Merchant Street, Vacaville, CA 95688
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  • Refinance

Business Description

Cornerstone Real Estate and Home Loans Inc. is a family-owned company providing mortgage services to Concord. Its team members assist clients in finding mortgage loan programs that would help them buy their first homes. For over 17 years, it has guided more than a thousand clients with their home funds and refinancing needs. It also provides home retention services for individuals who need to complete their loan modification process. The company's founder, Carmen, started her career in the real estate industry after completing her high school degree.

License Verified:

License: 345575

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
Google
5.0 / 5 (99)
Yelp
4.0 / 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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Coulter Crew logo
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License Verified:

License: 254474

Nationwide Multistate Licensing System and Registry

Coulter Crew

1207 Arroyo Way, Walnut Creek, CA 94596
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  • New Construction

Business Description

Coulter Crew is a mortgage brokerage that works with C2 Financial Corporation, which caters to clients in Concord. It compares different mortgage rates to suggest suitable programs for first-time homeowners and homebuyers. The brokerage helps each client process their application for loan plans based on their income, credit score, and home value. It also advises those planning to refinance to save money or do renovation projects. Its principal broker, Andraya Coulter, has been praised for being informative about the mortgage process.

License Verified:

License: 254474

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 (17)
Facebook
5.0 / 5 (16)
Craig Bosse logo
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License Verified:

License: 1019442

Nationwide Multistate Licensing System and Registry

Craig Bosse

1600 Riviera Avenue, Walnut Creek, CA 94596
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  • New Construction
  • Refinance

Business Description

Since 2009, Craig Bosse has been providing mortgage services to clients in Concord and the surrounding areas. He specializes in FHA, VA, jumbo, non-QM, and high-balance loans. Furthermore, he assists self-employed clients to acquire a loan. Additional loan options such as asset income and mega jumbo programs are also available. Craig is the branch manager of Change Home Mortgage, a privately held residential mortgage firm founded in 1994. The company offers Ginnie Mae, Fannie Mae, and Freddie Mac loans.

License Verified:

License: 1019442

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 (19)
Dan Patty logo
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License Verified:

License: 1266702

Nationwide Multistate Licensing System and Registry

Dan Patty

5701 Lonetree Boulevard, Concord, CA 95765
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  • Refinance

Business Description

Dan Patty is a mortgage broker who owns Solcosta Home Loans, a firm that caters to residents in and around Concord. He has handled numerous loan originations for both first-time homeowners and experienced investors. Dan examines the income, financial status, and potential loan plans of current clients and then compares rates and payments of various plans to help customers pick suitable and long-term options. The broker values direct and constant communication with his clients.

License Verified:

License: 1266702

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 (23)

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
Diversified Mortgage Group - Orcinda logo
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License Verified:

License: 1820

Nationwide Multistate Licensing System and Registry

Diversified Mortgage Group - Orcinda

23 Altarinda Road, Orinda, CA 94563
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  • New Construction
  • Refinance

Business Description

Diversified Mortgage Group is a brokerage firm that offers purchasing and refinancing options in Concord and the surrounding areas. Some of the products it offers are conventional, FHA, VA, USDA, jumbo, all-in-one, and 203k renovation loans. The company also offers a specialty service called Homefundit, a crowdfunding solution that helps potential homeowners increase their downpayment savings. Homefundit works like a social networking site where users can share their campaigns, allowing family, friends, and even strangers to contribute.

License Verified:

License: 1820

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 (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
Excel Realty and Mortgage logo
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License Verified:

License: 01773851

Nationwide Multistate Licensing System and Registry

Excel Realty and Mortgage

3000 Citrus Circle, Walnut Creek, CA 94598
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  • New Construction
  • Refinance

Business Description

Excel Realty and Mortgage is a mortgage broker that services clients in Concord. The business helps individuals in choosing the right mortgage loans with the best interest rates. Its team of brokers is well-versed in handling various types of mortgage loan options and processes including refinancing and buying properties. There is an online calculator tool that clients are allowed to use on the company's website for comparative purposes. The company was founded by Shawnacy Nauroth in 2004.

License Verified:

License: 01773851

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
Google
4.0 / 5 (12)

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
Homebridge Financial Services, Inc. - Concord logo
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License Verified:

License: 1563682

Nationwide Multistate Licensing System and Registry

Homebridge Financial Services, Inc. - Concord

1200 Concord Avenue, Concord, CA 94520
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Business Description

Homebridge Financial Services, Inc. is a mortgage brokerage with more than 30 years of experience in the industry. They cater their services in Concord and nearby areas. Their licensed mortgage loan originators can assist with mortgages, lending, refinancing, and home loans. They can handle VA, conventional, and FHA loans. The company also offers assistance with non-warrantable condos, energy-efficient mortgages, FNMA, and niche low to moderate programs. Homebridge Financial Services, Inc also provides home renovation loans such as an FHA 203(k) Loan and the Fannie Mae HomeStyle renovation loan.

License Verified:

License: 1563682

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)
Facebook
3.8 / 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
––
Integrus Mortgage logo
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License Verified:

License: 1754841

Nationwide Multistate Licensing System and Registry

Integrus Mortgage

3093 Citrus Circle, Walnut Creek, CA 94598
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Business Description

Integrus Mortgage serves first-time home buyers and homeowners in Concord and its neighboring areas. The mortgage broker specializes in offering various home mortgage loan programs, including conventional loans, federal housing administration loans, veterans loans, jumbo loans, USDA loans, and various mortgage insurance options. Jeremy Gould is the owner of Integrus Mortgage. He has more than 15 years of experience in financial services, including sales, business development, strategic planning, and project and product management. Gould is detail-oriented, multi-faceted, experienced, and results-driven.

License Verified:

License: 1754841

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 (114)
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
JC Financial logo
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License Verified:

License: 1062242

Nationwide Multistate Licensing System and Registry

JC Financial

11 Orchard Lane, Alamo, CA 94507
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  • Refinance

Business Description

JC Financial is operated by Josephine Chu, a mortgage broker servicing Concord and the surrounding areas. The firm works with over 50 investors and loan providers to link its clients to various programs, such as 10- to 30-year mortgages, one- to five-year ARMs, conventional loans, FHA loans, VA loans, and jumbo loans. It also helps customers deal with refinancing and easy credit qualifications. Additionally, the firm acts as an advocate for its clients, helping them navigate the rigorous loan process.

License Verified:

License: 1062242

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 (46)

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
Land Home Financial Services, Inc. logo
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License Verified:

License: 1796

Nationwide Multistate Licensing System and Registry

Land Home Financial Services, Inc.

1355 Willow Way, Concord, CA 94520
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  • Refinance
  • Reverse Mortgages

Business Description

Founded in 1989, Land Home Financial Services, Inc. in Concord comprehensive funding options to homebuyers in Concord. The mortgage broker assists clients to purchase a home, refinance a current mortgage, or obtain a reverse mortgage. Its residential loan programs include VA, conventional, FHA, and downpayment assistance programs. Other services, such as renovation loans and financing manufactured homes, are available. The company also works with real estate agents, builders, mortgage brokers, and manufactured and modular home retailers.

License Verified:

License: 1796

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.
3.9
Google
4.0 / 5 (28)

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
––
Land Home Financial Services, Inc. logo
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License Verified:

License: NMLS ID: 1796

Nationwide Multistate Licensing System and Registry

Land Home Financial Services, Inc.

1355 Willow Way, Concord, CA 94520
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Business Description

Land Home Financial Service, Inc., is a mortgage brokerage providing services to Concord and the surrounding areas. Since 1988, it has been helping clients purchase a home with several mortgage loan options. These include FHA, conventional, VA, and jumbo loans. It also offers a reverse mortgage service that gives back the equity of the clients while retaining the ownership of their homes. In addition, the company is a member of the Modular Home Builders Association.

License Verified:

License: NMLS ID: 1796

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
4.0 / 5 (105)
Facebook
3.4 / 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
––
Pacific Security Real Estate Services logo
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License Verified:

License: 316352

Nationwide Multistate Licensing System and Registry

Pacific Security Real Estate Services

38 Winfield Lane, Walnut Creek, CA 94595
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  • Refinance

Business Description

Pacific Security Real Estate Services is a mortgage brokerage company serving Concord and surrounding communities. The company's programs include fixed-rate, adjustable-rate, interest-only, and graduated payment mortgages. It also offers VA loans, FHA loans, USDA loans, and jumbo loans. Its advisors help clients assess the mortgage options suitable for their specific circumstances, needs, and goals. Pacific Security Real Estate Services also provides refinance services for single-family, multi-family, condominium, and townhouse units either as a primary residence, vacation home, or investment property.

License Verified:

License: 316352

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
Yelp
5.0 / 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
Helpfulness
Detail
Resource Home Loan logo
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License Verified:

License: 251068

Nationwide Multistate Licensing System and Registry

Resource Home Loan

2977 Ygnacio Valley Road, Walnut Creek, CA 94598
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Business Description

Resource Home Loan is an independent mortgage brokerage company that has been serving clients from Concord for over 15 years. Its loan programs include fixed rate loans, adjustable rate loans, jumbo loans, and VA loans. It also handles first time home buyer loans and FHA loans. It also offers purchasing and refinancing options, such as consolidating first and second mortgages, reducing high interest rates, and building equity. Resource Home Loan works with over 125 companies and has closed 2,200 loans.

License Verified:

License: 251068

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 (77)
Robert Ring logo
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License Verified:

License: 1034016

Nationwide Multistate Licensing System and Registry

Robert Ring

1981 North Broadway, Walnut Creek, CA 94596
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  • Refinance

Business Description

Robert Ring is a loan officer with CrossCountry Mortgage, LLC. His professional background in mortgages dates back to 2013. He specializes in purchase and refinance loans. He has the expert knowledge to guide clients in Concord through the mortgage process—from pre-approval to closing. His personalized services include using videos and cost analyses to assist clients with selecting from different home loan programs and refinance options, such as jumbo loans, renovation loans, and fixed-rate or adjustable-rate mortgages.

License Verified:

License: 1034016

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 (14)
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
––
Steve Carlin logo
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License Verified:

License: 241643

Nationwide Multistate Licensing System and Registry

Steve Carlin

2815 Mitchell Drive, Suite 112, Walnut Creek, CA 94598
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  • Refinance

Business Description

Steve Carlin caters to the mortgage needs of individuals in Concord and nearby areas. The agency assists veterans and families trying to buy or refinance a property. It offers a wide range of loan options to address each client's specific needs, including USDA, FHA, VA, jumbo, home renovation, and fixed- and adjustable-rate mortgages. Owner and operator Steve Carlin makes it easy for borrowers to purchase or refinance a house by offering them tools like mortgage calculators and refinance analysis tools.

License Verified:

License: 241643

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
Facebook
5.0 / 5 (12)

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
––
Stonecrest Lending logo
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License Verified:

License: 1553266

Nationwide Multistate Licensing System and Registry

Stonecrest Lending

6660 Lone Tree Way, Brentwood, CA 94513
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  • Refinance

Business Description

Stonecrest Lending is a mortgage firm that specializes in residential financing for veterans and non-uniformed residents in the Concord metro. The company has been in the loan industry for over 30 years and is a consumer education advocate. Its focus on simplifying the loan process and clear communication channels has helped its commitment to earn a reputation in the community for efficient homeownership support. Some of its services include residential loans and mortgage workshops. It has extensive experience successfully applying for and securing VA loans.

License Verified:

License: 1553266

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 (11)
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
––
Viking Real Estate Group logo
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License Verified:

License: 329239

Nationwide Multistate Licensing System and Registry

Viking Real Estate Group

1078 Carol Lane, Lafayette, CA 94549
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  • Refinance

Business Description

Viking Real Estate Group is a mortgage firm that serves clients in Concord. In collaboration with residential and commercial lenders, the company offers a wide variety of loan options for borrowers, including fixed-rate mortgage loans, conforming loans, and jumbo loans. It is also a real estate investment firm familiar with developments in the real estate and lending industries. Tom Velken established the company in 1995. He has more than 20 years of experience in the real estate industry.

License Verified:

License: 329239

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 (5)
Zackry Cooper logo
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License Verified:

License: 285975

Nationwide Multistate Licensing System and Registry

Zackry Cooper

985 Moraga Road, Lafayette, CA 94549
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  • Multi-Family Loans

Business Description

Zackry Cooper is a branch manager and mortgage advisor at American Pacific Mortgage, and he offers his expertise and services to clients across Concord and Lafayette. Cooper graduated with a degree in civil engineering but opted to pursue his career as a loan advisor in 1999. He now leads the Team Cooper Mortgage Group, and his team provides clients with thorough guidance through the complete mortgage process and ensures that clients' expectations are properly set.

License Verified:

License: 285975

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 (57)
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.
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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.

How do mortgage brokers get paid?

The customer or the lender pays the mortgage broker. By law, it's illegal for a mortgage broker to accept payment from both parties. Additionally, thanks to the Dodd-Frank Act, a mortgage broker cannot have hidden fees or base their commission on their customer's interest rate.

What makes mortgage brokers different from loan officers?

Loan officers are employees of a single lender. For example, if you go to a bank for a mortgage, you'll deal with their loan officer. They’re paid a set salary and receive bonuses; however, they can only offer loans from their bank.

A mortgage broker works independently or for a firm, and they’re paid by the client or lender. Mortgage brokers can approach several lenders, giving individuals many more options.

What is the difference between a commercial mortgage broker and a home loan broker?

A commercial mortgage broker deals with real estate loans for businesses. The loan for the commercial property is given to the company, not the individual. As a result, the approval process reviews the financial health of the business. In comparison, a home loan broker helps individuals gain a real estate loan for their property.

How much do mortgage brokers make?

According to Salary.com, the average salary for a mortgage broker in the U.S. ranges between $75,344 and $99,498. However, this can significantly vary depending on the state you work in, bonuses, and other factors.

How do mortgage brokers get paid?

How a mortgage broker gets paid entirely depends on who they work for. If they’re an independent contractor, all of their income comes from their clients or lenders. If the person works for a brokerage, they may be paid a combination of a base salary and bonuses from closed deals.

How much do mortgage brokers make per loan?

Mortgage brokers typically make between 1% and 2% of the total loan amount on each deal closed. The client or the lender will pay this fee. The mortgage broker does not receive their payment until the loan is approved and finalized. 

Can mortgage brokers work across state lines?

Yes, mortgage brokers can work across state lines. However, each state has different licensing requirements for its mortgage brokers. To legally close a transaction, you must be certified in the state of the transaction. Additionally, it's helpful to know the state's closing process, as this can change from state to state.

What is a surety bond for mortgage brokers?

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.

Is it difficult to pass the mortgage brokers’ test?

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.

Do mortgage brokers need to be licensed?

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.

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