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Best Mortgage Brokers in El Cajon

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Community Mortgage logo

Community Mortgage

814 Morena Blvd Unit 310, San Diego, CA 92110
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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.

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Lend 18 Corp logo

Lend 18 Corp

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

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.

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Mar Financial logo

Mar Financial

10620 Treena Street, Suite #230,, San Diego, CA 92131
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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.

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Matt Roth logo

Matt Roth

9535 White Place, La Mesa, CA 91942
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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.

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Mirna Rios logo

Mirna Rios

880 Canarios Court #120B, Chula Vista, CA 91910
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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.

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Scott Davenport logo

Scott Davenport

10509 Vista Sorrento Pkwy Suite 400, San Diego, CA 92121
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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.

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Veterans National Mortgage logo

Veterans National Mortgage

7484 University Ave Suite 220, La Mesa, CA 91942
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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.

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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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