Expertise.com
2024

Last updated:

Best Mortgage Brokers in Concord

Our Recommended Top 20

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

51

Reviewed

38

Curated

20

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

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

Why choose this provider?

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)
Yelp
5.0 / 5 (37)
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

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

Why choose this provider?

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

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

Website
2977 Ygnacio Valley Road, Walnut Creek, CA 94598

Why choose this provider?

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)

Website
5701 Lonetree Boulevard, Concord, CA 95765
  • Refinance

Why choose this provider?

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

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

Why choose this provider?

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)
Yelp
1.0 / 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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
543 Merchant Street, Vacaville, CA 95688
  • Refinance

Why choose this provider?

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
1200 Concord Avenue, Concord, CA 94520

Why choose this provider?

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.
4.5
Yelp
4.5 / 5 (59)
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
11 Orchard Lane, Alamo, CA 94507
  • Refinance

Why choose this provider?

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

Website
3093 Citrus Circle, Walnut Creek, CA 94598

Why choose this provider?

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

Website
6660 Lone Tree Way, Brentwood, CA 94513
  • Refinance

Why choose this provider?

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

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.
4.0
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

Website
1355 Willow Way, Concord, CA 94520

Why choose this provider?

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.
4.0
Google
4.0 / 5 (105)
Facebook
3.4 / 5 (1)
Yelp
1.0 / 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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
1981 North Broadway, Walnut Creek, CA 94596
  • Refinance

Why choose this provider?

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)
Zillow
5.0 / 5 (10)
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
2950 Buskirk Avenue, Walnut Creek, CA 94597
  • Refinance

Why choose this provider?

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.
4.9
Google
5.0 / 5 (30)
Yelp
5.0 / 5 (5)
Facebook
4.3 / 5 (3)

Website
38 Winfield Lane, Walnut Creek, CA 94595
  • Refinance

Why choose this provider?

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
Zillow
4.0 / 5 (14)
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

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

Why choose this provider?

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

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

Why choose this provider?

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

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

Why choose this provider?

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
Yelp
4.0 / 5 (58)
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

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

Why choose this provider?

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.
3.8
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.