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Best Mortgage Brokers in Daly City

2023

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Website
1385 Shattuck Ave, Suite B, Berkeley, CA 94709
  • Refinance

Why choose this provider?

Peter Barnes Team is a mortgage lender serving clients in Daly City. Peter assists first-time homebuyers and long-time homeowners get the right loan for their homes, investment properties, and renovation projects. He offers various loan products such as FHA, VA, Conventional, and Jumbo loans, guiding clients through the mortgage process and providing personalized mortgage solutions. He also helps borrowers with existing mortgage refinance to obtain better rates and access their home's equity. Peter is a member of the Mortgage Bankers Association.

License Verified:

License: 239580

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
Daly City, CA
  • Reverse Mortgages

Why choose this provider?

Sierra Pacific Mortgage Corp offers traditional and reverse mortgage options for clients in Daly City. The company helps individuals planning to purchase their dream home, vacation house, condominium, and investment property. It also aims to make the loan process attainable for people with less-than-perfect credit scores. Lakshmi Yokoyama, the company's senior mortgage consultant, assists clients with FHA streamline refinancing. In addition, she provides clients with resources to educate clients on navigating the mortgage loan process.

License Verified:

License: 270710

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

Website
236 N. Santa Cruz Ave., #103, Los Gatos, CA 95030
  • Commercial Loans
  • Refinance

Why choose this provider?

Direct Mortgage Funding is a brokerage company that serves the residents of Daly City. Its team assists clients by providing them with financial programs such as FHA home loans and HARP 2.0 refinancing services, as well as various mortgage types like fixed-rate, adjustable-rate, interest-only, and balloon mortgages. Its experts also help borrowers overcome roadblocks in the loaning process. The company accepts applicants throughout California, including areas like Los Gatos, San Francisco, Pacifica, and Las Vegas.

License Verified:

License: 227765

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 (386)
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
44 Montgomery Street, Suite 02-172, San Francisco, CA 94104
  • New Construction

Why choose this provider?

SELFi is a company composed of mortgage brokers that guides its clients in the Daly City metro in comparing, applying, and saving on refinancing or home property purchases. It offers a selection of wholesale mortgage rates, custom-built loan packages, one-on-one coaching, and creating financing solutions. Joseph Flannery, founder and CEO, is a member of the State Bar of California and was recognized as a top-producing mortgage adviser by Scotsman Guide magazine in 2016 and 2017.

License Verified:

License: 1724835

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 (132)
Google
5.0 / 5 (131)
Facebook
5.0 / 5 (40)

(+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

Website
355 Gellert Blvd #230, Daly City, CA 94015
  • Reverse Mortgages

Why choose this provider?

Pacific Bay Financial provides mortgage solutions to residential and commercial clients in Daly City and nearby areas. It offers different types of loans for first-time home buyers and veterans with 15-year and 30-year fixed rate programs. It also provides reverse mortgages for seniors and retirees and construction loans for property owners looking to remodel, improve, and flip their homes. Additionally, the company assists with mortgage refinancing. Pacific Bay Financial has been serving the community since 1985.

License Verified:

License: 196454

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 (34)
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
1435 Huntington Ave #102, South San Francisco, CA 94080
  • Refinance

Why choose this provider?

Mortgage Connection is a residential and commercial brokerage that caters to clients from Daly City. Its staff offers programs involving both adjustable- and fixed-rate mortgages, as well as pre-approval assessments and mortgage refinancing options that concern holistic financial analyses. It provides applicants with comprehensive resources and updates on market rates to help them draw comparisons based on their financial means and specified terms. For over two decades, the brokerage has catered to thousands of clients and handled more than 10,000 loans.

License Verified:

License: 321656

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)
Google
5.0 / 5 (14)
Facebook
5.0 / 5 (10)

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
1321 Evans Avenue, San Francisco, CA 94124
  • Refinance

Why choose this provider?

Homepoint Lending is a mortgage brokerage firm serving clients throughout Daly City. It assists individuals and families looking to refinance or buy a home. Customers who complete a request for a mortgage pre-approval letter are given options based on their specific situations and needs. These include fixed-rate and adjustable-rate mortgages, FHA, VA, jumbo, and USDA loans. Homepoint Lending provides refinancing programs to help clients lower their monthly payments and interest rates, modify their loan terms, and take cash out of their home's equity.

License Verified:

License: 1945093

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 (25)
Facebook
5.0 / 5 (8)
Yelp
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
232 Townsend St., San Francisco, CA 94107
  • Refinance

Why choose this provider?

Orlando Diaz is a loan advisor of American Pacific Mortgage who caters to clients in Daly City and the surrounding areas. The firm has mortgage refinancing services for townhomes, condominiums, and single-family and multi-family homes. Diaz advises individuals regarding options such as FHA, jumbo, and conventional loans. He also helps veterans, active-duty military members, and their spouses deal with VA loans. He extends his services to San Francisco, Alameda, Marin, Contra Costa, and San Mateo residents.

License Verified:

License: 238849

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 (17)
Google
5.0 / 5 (4)

Website
3101 San Jose Avenue, San Francisco, CA 94112
  • Reverse Mortgages

Why choose this provider?

AMA Property Management ~ AMA Mortgage ~ AMA Realty is a real estate company serving Daly City. It deals with conventional, VA, FHA, portfolio, and bridge mortgage loans. It also facilitates commercial and residential real estate sales, property management services, and business entity formation and filings. Angela Ma, the company's CEO and president, is a real estate broker and a certified property manager. She uses her experience as a loan officer, credit analyst, and portfolio manager to provide a holistic approach to the services her company offers.

License Verified:

License: 1465389

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 (53)
Google
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

Website
1350 Old Bayshore Hwy, Burlingame, CA 94010
  • Reverse Mortgages

Why choose this provider?

General Mortgage Capital Corporation - Burlingame assists clients in Daly City seeking to borrow money for property purchases. It advises on mortgage processes and explains the benefits of various programs for families, doctors, foreigners, and individuals aiming for eco-friendly homes. For client efficiency and convenience, it has developed an online portal, which requires secure authentication, wherein loan information and documents may be safely accessed anytime. GMCC has been an approved Freddie Mac and Fannie Mae seller since 2018.

License Verified:

License: 254895

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
4.9 / 5 (239)

Website
Daly City, CA
  • Reverse Mortgages

Why choose this provider?

Hansen Li, a real estate agent and loan officer operating under Orka Investment, delivers mortgage products to house buyers in and around Daly City. The financial programs he offers include conventional options and FHA-backed solutions. Plans aimed at commercial transactions are available, ranging from SBA loans to mixed-use property selections. He also provides insurance and financial policies that extend to life and commercial asset indemnity contracts. Hansen Li is fluent in Chinese.

License Verified:

License: 1892633

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 (9)

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
345 California Street, Suites 600 & 700,, San Francisco, CA 94104
  • Refinance

Why choose this provider?

Fif Ghobadian is a mortgage broker with OriginPoint that serves clients in Daly City. She offers her clients loan packages that include a 30-year fixed-rate mortgage with a constant monthly payment and a 15-year fixed-rate mortgage with a fast-track amortization. The broker also provides adjustable-rate mortgages, which have interest rates that vary after a predetermined period of time. As a top performer since 2004, Ghobadian has held increasingly responsible financial positions at prominent financial firms for over 20 years.

License Verified:

License: 110501

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
300 Valley Street, Sausalito, CA 94965
  • Refinance

Why choose this provider?

C2 Financial Corporation is a mortgage brokerage firm serving Daly City and the surrounding areas. It offers a variety of mortgage options, including VA, FHA, and conforming loans. It also helps borrowers with their loan refinancing needs. Its staff gives clients updates about their loan status and other important closing requirements. Signing appointments are held either at the office or at the client's home. Founder David Cary is a mortgage broker with more than 20 years of experience.

License Verified:

License: 135622

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 (10)

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
1435 Huntington Ave 100, South San Francisco, CA 94080
  • Refinance

Why choose this provider?

California Mortgage Company, Inc., offers financing solutions to residents in Daly City. It provides a variety of loan programs, allowing it to cater to clients' individual needs. These include government-backed loans such as FHA and VA. USDA loans, which suit clients looking to purchase homes in suburban or rural locations, are also provided. In addition, the mortgage brokerage assists clients in the process of applying for jumbo loans. It offers different mortgage rate options, covering interest-only and fixed-rate programs.

License Verified:

License: 1187716

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 (1)
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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.