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Best Mortgage Brokers in Costa Mesa

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365 Home Lending logo

365 Home Lending

18818 Teller Ave, #145, Irvine, CA 92612
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  • Reverse Mortgages

365 Home Lending responds to the home loan needs of property owners in Costa Mesa and its nearby communities. The agency assists first-time homebuyers and seasoned veterans in customizing their loan options—whether they choose short, adjustable, hybrid, long, or fixed term. It offers a variety of loan programs, such as jumbo, VA, HomeReady, FHA, and conventional. Its team of loan officers helps clients throughout the home selling and purchasing process, including scheduling a home inspection and appraisal appointment to address broken appliances and structural damage.

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Clear Mortgage Capital, Inc. logo

Clear Mortgage Capital, Inc.

950 S Coast Drive, Suite 220, Costa Mesa, CA 92626
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  • Refinance

Clear Mortgage Capital, Inc. helps customers purchase or refinance their homes in the area of Costa Mesa. The business has mortgage brokers who assist customers in choosing the right home loan that will suit their needs and financial status. It also offers various loan options such as jumbo, adjustable rate, FHA, VA, and conventional. The business has funded $2.8 billion in loans to refinanced and purchased homes and aims to create more accessible homeownership through its digital application process.

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E Mortgage Capital logo

E Mortgage Capital

18071 Fitch Ste. 200, Irvine, CA 92614
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  • Refinance

E Mortgage Capital is a brokerage company serving Costa Mesa and specializing in conventional and government-backed residential home loans. It assists with applying for home purchasing loans and mortgage refinancing. Through loan refinance, clients may reduce their monthly payments, settle their previous mortgage, or obtain cash to use for other purposes. E Mortgage Capital is a family-owned and family-operated venture with its principal owners having a combined experience of 40 years in the mortgage industry. It also operates in other states, such as Arizona, Montana, New Hampshire, and North Carolina.

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FlexPoint logo

FlexPoint

151 Kalmus Drive D 210, Costa Mesa, CA 92626
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FlexPoint caters to clients in and around the Costa Mesa area. The company assists individuals through the mortgage application process and offers a variety of programs, ranging from FHA and VA loans to conventional and non-prime programs. It also works with private investors to set up loan products for clients that do not qualify for conventional programs. For seniors looking to obtain funding for home projects, the company offers reverse mortgages. Its vice-president, Dennis Wynant, previously held a management role for the firm loanDepot.

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Landmark Mortgage Capital logo

Landmark Mortgage Capital

949 South Coast Drive, Suite 490, Costa Mesa, CA 92626
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  • Refinance

Landmark Mortgage Capital serves individuals, families, first-time buyers, and investors in Costa Mesa and nearby areas. It helps clients customize their home mortgages and refinancing needs, such as acquiring home equity loans from home alterations or purchasing a property. It offers a variety of streamlined loan options such as FHA, USDA, VA, ARM fixed-rate, and reverse mortgages. Company president Mike Timoschuk is a loan officer and veteran real estate agent. He previously headed the California Association of Mortgage Brokers.

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LoanSnap logo

LoanSnap

3070 Bristol Street #200, Costa Mesa, CA 92626
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  • Refinance
  • New Construction

LoanSnap is a Costa Mesa-based mortgage company, established to help improve clients' financial conditions. It offers flexible mortgage programs, including VA, FHA, and HELOC, and assists clients with non-conforming loans. It utilizes a smart loan, a digital platform where clients can remotely track their financial situation, navigate programs, and receive updates and follow-ups. As an act of charity, LoanSnap supports veterans and their families by donating a part of its profits through Operation Home Foundation. The company has been featured in Bloomberg, VentureBeat, Forbes, and Business Insider.

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Orange County Mortgage logo

Orange County Mortgage

17272 Newhope St, Suite J, Fountain Valley, CA 92708
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  • Reverse Mortgages
  • Refinance

Orange County Mortgage helps individuals and families fulfill their investment goals in Costa Mesa. It provides loan programs that cover fixed-rate mortgages, adjustable-rate mortgages, FHA, VA, Jumbo, and reverse mortgages. It also helps clients get pre-qualified for home purchases, giving them customized options based on specific criteria and needs. As part of its refinancing services, it offers clients a chance to get lower interest rates or convert an adjustable-rate mortgage to a fixed-rate mortgage. The company has been assisting investors and homeowners since 1999.

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Pacific Financial logo

Pacific Financial

18401 Von Karman Avenue Suite 430, Irvine, CA 92612
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  • Refinance
  • New Construction

Pacific Financial caters to homebuyers who need to purchase loans and homeowners who want to refinance their mortgages across Costa Mesa. Its team coordinates with the clients throughout the lending process, from assessing financial risks and potential benefits to getting the funding request approved. The agency provides loan options such as jumbo, FHA, VA, ARM, FRM, and interest-only payment options. One of its senior mortgage advisors, Richard Wolfe, has more than 15 years of experience.

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Prime Mortgage logo

Prime Mortgage

555 Anton Blvd, Suite 150, Costa Mesa, CA 92626
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  • Refinance

Prime Mortgage is a financial services company based in Costa Mesa. It offers various loan options, including FHA, USDA, and VA programs, as well as jumbo loans. The company has worked with individuals seeking financing options to acquire investment or vacation properties. It also addresses the client's concerns involving the refinancing process. Frank Menjivar, its owner, has spent more than 17 years in the mortgage industry and previously held loan officer roles for firms like Mountain West Financial and loanDepot. He is fluent in Spanish.

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Schweickert Mortgage Group logo

Schweickert Mortgage Group

3189 Airway Ave, Building A, Suite 107, Costa Mesa, CA 92626
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  • Refinance

Schweickert Mortgage Group helps clients in Costa Mesa and the surrounding areas achieve their dreams of homeownership. This brokerage firm offers a variety of financing options, including VA, FHA, and USDA loans. It also furnishes lending home-purchasing programs for first-time homebuyers, seasoned investors, and those who haven't saved enough cash yet to pay for a hefty down payment. The firm's CEO, David Schweickert III, has more than 13 years of experience in the mortgage industry.

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Secure One Capital Corporation logo

Secure One Capital Corporation

3200 Park Center Drive, Suite 1300, Costa Mesa, CA 92626
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  • Refinance

Secure One Capital Corporation is a mortgage lender that serves Costa Mesa and the surrounding areas. It specializes in government-backed financing and has been in the business for more than 25 years. Its management team has over 45 years of mortgage experience. The firm offers a variety of loan programs for homebuyers, including jumbo, government-insured, fixed-rate, conventional, and adjustable-rate mortgages. It also provides refinancing solutions, such as home equity lines of credit and conforming loans.

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Sovereign Lending Group Incorporated logo

Sovereign Lending Group Incorporated

3545 Howard Way, Costa Mesa, CA 92626
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  • Refinance

Sovereign Lending Group Incorporated is a mortgage brokerage serving Costa Mesa. The company provides a wide range of mortgage programs that can help individuals and families realize their home ownership goals. Some of its mortgage offerings include adjustable rate, fixed rate, interest only, home equity, VA, and FHA loans. The team—which serves 46 states—also enables borrowers to consolidate debt, lower their mortgages, and shorten their payment terms through mortgage refinancing. Dan Holtz and Joe Pirro founded the company in 2005 with the goal of developing a relationship with their community.

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Frequently Asked Questions

Q: Do mortgage brokers need to be licensed?

A: 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.

Q: Is it difficult to pass the mortgage brokers’ test?

A: 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.

Q: What is a surety bond for mortgage brokers?

A: 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.

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