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Best Mortgage Brokers in El Cajon

2024

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Providers

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Website
880 Canarios Court #120B, Chula Vista, CA 91910
  • HELOCs
  • Purchase Loans
  • Refinance
  • New Construction

Why choose this provider?

Mirna Rios is a Chula Vista-based loan officer who serves clients of World Wide Credit Corp throughout El Cajon. She and her staff guide mortgage applicants, including those who speak Spanish, in choosing between VA, FHA, conventional, and jumbo loans based on their financial needs and goals. They employ information drawn from holistic evaluations of current interest rates on the market and their clients' outstanding credit and existing mortgages. To date, they have catered to at least 500 families in the local region.

License Verified:

License: 239526

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (7)

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
814 Morena Blvd Unit 310, San Diego, CA 92110
  • Refinance
  • New Construction

Why choose this provider?

Community Mortgage serves El Cajon residents seeking funding to buy a home or improve their current property. It offers a wide array of home loans for various situations, including FHA, VA, conventional, and Jumbo loans. Its loan consultants also assist with reverse and super conforming mortgages. It focuses on education and transparency, walking the client through their loan options and the lending process, as well as keeping them updated in each step. Community Mortgage has over 12 years of experience in the industry.

License Verified:

License: 908271

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 (121)
Yelp
5.0 / 5 (49)
Facebook
4.9 / 5 (41)

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
3655 Avocado Blvd, La Mesa, CA 91941
  • Reverse Mortgages

Why choose this provider?

BRIK Home Loans caters to the mortgage needs of homebuyers in El Cajon. It offers a variety of loan options, including fixed-rate mortgages, FHA, VA, jumbo, and refinancing solutions. It assists individuals, couples, property investors, first-time buyers, and families with a mission to help them find the appropriate programs to obtain homeownership. Advocating for equal housing opportunities, the family-owned and family-operated company enables clients to share their stories and help them regardless of status and nationality.

License Verified:

License: 1332699

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Zillow
5.0 / 5 (57)
Google
5.0 / 5 (40)
Facebook
5.0 / 5 (37)

(+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
2060 Valley Rim Rd, El Cajon, CA 92019
  • Refinance
  • New Construction

Why choose this provider?

Lend 18 Corp is a mortgage broker serving customers in El Cajon. It offers various home financing options to help buyers and homeowners realize their goals, including VA, FHA, and adjustable rate loans. Its loan officers assist borrowers in obtaining cash-out refinancing through home equity loans. Lend 18 has adopted a streamlined online loan application process using custom digital quotes, and it involves providing options based on borrowers' individual criteria and circumstances. The broker has a mortgage calculator to help clients project their potential expenses.

License Verified:

License: 1702439

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 (69)
Facebook
5.0 / 5 (49)
Zillow
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
5360 Jackson Dr #200, La Mesa, CA 91942
  • Refinance

Why choose this provider?

Cameron Harper has been guiding individuals and families in El Cajon throughout the homeownership process since 2009. He primarily helps first-time homebuyers, CPAs, and self-employed clients looking to refinance or purchase a property. Cameron serves as the president and mortgage advisor in California Mortgage Lending, a firm that provides loan options for veterans and customers who are planning to renovate their homes. The company also assists seniors ages 62 and older in converting their home equity to pay taxes and health insurance.

License Verified:

License: 300991

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 (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
7484 University Ave Suite 220, La Mesa, CA 91942
  • Refinance

Why choose this provider?

Veterans National Mortgage provides services to clients across El Cajon and the neighboring cities. It specializes in helping individuals apply for mortgage loan programs to purchase their first or investment homes suitable for their financial goals. These loan programs include adjustable and fixed rates, jumbo and super jumbo, FHA, VA, and USDA. It also allows them to choose loan terms within five to 30 years. The company has been operating in the industry for more than 25 years.

License Verified:

License: 2006604

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 (97)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
10620 Treena Street, Suite #230,, San Diego, CA 92131
  • Refinance

Why choose this provider?

Since 2005, Mar Financial has been serving the financial needs of first-time homebuyers and existing homeowners in the El Cajon area. The company's team of mortgage brokers guides clients in selecting the suitable mortgage option for their needs---whether it is to purchase a home for the first time, consolidate debt, or refinance an existing mortgage. They offer mortgage products like conventional, FHA, USDA, VA, jumbo, and HECM reverse mortgage loans. Other types of loans, including asset depletion income loans and business vesting, are also available.

License Verified:

License: 389363

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 (196)
Zillow
5.0 / 5 (176)
Facebook
4.7 / 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
9535 White Place, La Mesa, CA 91942
  • Refinance

Why choose this provider?

Matt Roth is a real estate and mortgage broker who caters to clients throughout El Cajon and the surrounding metros. He assists clients whether they are first-time home buyers seeking pre-approval or current homeowners wanting to refinance an existing loan, partnering with Rocket Mortgage to meet clients' needs and goals. As a real estate agent, Roth is also familiar with current market prices and trends, and can thus provide clients searching for their ideal homes valuable advice.

License Verified:

License: 1986483

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 (45)
Zillow
5.0 / 5 (37)
Yelp
4.5 / 5 (11)

(+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
2878 Camino Del Rio South, Ste: 402, San Diego, CA 92108
  • Refinance

Why choose this provider?

HomePlus Mortgage is an independently owned and operated brokerage firm that serves the residents of El Cajon and the surrounding areas. Some of its loan options are traditional fixed-rate mortgages, as well as Fannie Mae and Freddie Mac, FHA, and VA loans. Its process includes application, preapproval, underwriting, loan document processing, signing, and funding. HomePlus Mortgage was founded by Phil Pizzino, a member of the San Diego Association of Realtors. His company has served more than 13,700 borrowers since its inception in 1999.

License Verified:

License: 78669

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
4.9 / 5 (351)
Yelp
4.5 / 5 (149)
Facebook
5.0 / 5 (97)

(+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
350 10th Ave Suite 1000 Office 1035, San Diego, CA 92101
  • New Construction
  • Refinance

Why choose this provider?

National Home Loans is a mortgage brokerage firm serving El Cajon residents. With access to over 100 lending companies, the firm offers a variety of mortgage programs for home buyers. Its home loan options include jumbo, non-QM, conventional, rehab, VA, and FHA loans. John Giannattasio, a mortgage broker from National Home Loans, owned several local and regional businesses before joining the firm. He has experience working with companies in various industries, including restaurants and health food retail stores.

License Verified:

License: 1992657

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 (167)
Yelp
5.0 / 5 (34)
Facebook
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
2655 Camino Del Rio North #450, El Cajon, CA 92108
  • Refinance
  • New Construction

Why choose this provider?

Cornerstone First Mortgage caters to clients in El Cajon and the surrounding areas who require financing and refinancing options. Its home purchase solutions include fixed and adjustable-rate mortgages. Products backed by the VA and USDA are on hand, and the team refinances existing obligations into less burdensome debts. Cornerstone First Mortgage was founded by Erik Jorissen and Sean Cahan who have more than three decades of combined lending industry experience. Erik Jorissen accepts calls 24 hours a day.

License Verified:

License: 173855

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
Zillow
4.9 / 5 (346)
Google
4.7 / 5 (47)
Facebook
3.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
2.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
10509 Vista Sorrento Pkwy Suite 400, San Diego, CA 92121
  • Refinance

Why choose this provider?

Scott Davenport is an independent mortgage broker who serves residents in and around El Cajon. He works at C2 Finacial Corporation, helping families, individuals, and investors achieve their dream residential spaces. He offers a variety of mortgage programs, such as USDA, FHA, VA, and jumbo and super jumbo loans. He also processes conforming, fixed-rate, and adjustable rate (ARM) loans. The expert assists clients in comparing mortgage interest terms and rates. Davenport has over 15 years of real estate industry experience.

License Verified:

License: 352721

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
2878 Camino del Rio S Unit 402, San Diego, CA 92108
  • Refinance

Why choose this provider?

Maureen Martin is a San Diego-based mortgage loan originator that caters to clients throughout San Diego and all of California. She sets up FHA mortgage programs for first-time homebuyers. Maureen also deals with current or former military service personnel and offers loans backed by the VA. She educates clients on other programs, including conventional and jumbo loans. For senior homeowners aiming to convert a portion of their property's equity into cash, Maureen also provides reverse mortgages. She has over 23 years of experience in the industry.

License Verified:

License: 247664

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 (136)
Google
5.0 / 5 (114)
Facebook
4.8 / 5 (16)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • Introduction

    It’s the American dream to buy property, and almost everyone who purchases a home does so with the help of a mortgage broker. It can be intimidating when you don’t know where to begin, what information is necessary, and how to receive a loan. A mortgage broker acts as an intermediary between the applicant and the financial institution.


    The mortgage broker’s role includes comparing loan terms across lenders to find applicants the best options, collecting paperwork the financial institution needs to analyze the application, and guiding the buyer through the underwriting and closing processes. Mortgage brokers can significantly simplify the home buying process.

  • Can mortgage brokers work across state lines?

    Yes, mortgage brokers can work across state lines. However, each state has different licensing requirements for mortgage brokers. Customers should ensure their broker can legally work in another state before going across state lines. Lastly, don’t forget the mortgage process is often time-sensitive, so being in different time zones can be problematic.

  • How do mortgage brokers find lenders?

    Mortgage brokers work independently and act as a bridge between the client and the lender. They reach out to several lenders to form a network and build professional relationships with those they work with often. They use lenders who best meet a client's rates and terms, and some lenders only do business through mortgage brokers.  

  • What credit score do mortgage brokers use?

    There are two credit scoring models in the United States: FICO and VantageScore. Mortgage lenders typically prefer to use FICO. However, each credit bureau uses a different version of the FICO score:

    • Experian uses FICO Score 2
    • Equifax uses FICO Score 5
    • TransUnion uses FICO Score 4

  • Do mortgage brokers help with refinancing?

    Yes, mortgage brokers can help with refinancing. Individuals who have a solid credit score will typically go to their bank to refinance their mortgage. However, if you don't have excellent credit, a mortgage broker may be able to secure you a better interest rate than you could get on your own.

    You pay a fee to the mortgage broker, so you'll want to consider this fee versus your savings in your cost-benefit analysis.
  • Can you work with two mortgage brokers?

    You can definitely work with two mortgage brokers. The advantage of using multiple brokers is that you'll have two people reaching out to several lenders to secure the best rate possible. However, you must ensure you provide matching information to all your brokers. If two brokers provide mismatched information about your application to the same lender, it can send off red flags and delay your approval process.

  • Do mortgage brokers get better deals?

    Yes, a mortgage broker should be able to get you a better deal. Mortgage brokers go to several lenders on your behalf and find the one with the best terms and interest rates. However, note that some mortgage brokers have preferred lenders. A broker may bring you their preferred lender's offer, even if it's not the best one; however, this isn't a regular practice.