Expertise.com

2024

Last updated:

Best Mortgage Brokers in Escondido, CA

Our Recommended Top 19

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Escondido Mortgage Brokers on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

55Reviewed

40Curated

19Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

500 La Terraza Boulevard, Escondido, CA 92025
WebsiteLicense: 1120084

Expertise.com Rating

Review Sources

Google
4.0 (11)
Facebook
5.0 (10)
Yelp
5.0 (2)

Why choose this provider?

Blue Horizon Realty & Lending, Inc., helps Escondido residents achieve their dream of homeownership through a wide range of loan options. Some of these loan programs include conventional, jumbo, delayed financing, FHA, VA, and USDA loans. In addition, Blue Horizon Realty & Lending offers down payment assistance and renovation loan programs. Its team consists of Realtors and loan officers with several years of industry experience. These professionals can provide assistance to both English and Spanish-speaking clients.

  • Refinance
  • Purchase Transactions

28904 Valley Center Road, Valley Center, CA 92082
WebsiteLicense: 219612

Expertise.com Rating

Review Sources

Yelp
5.0 (16)
Facebook
5.0 (1)

Why choose this provider?

John Yeager is a branch manager at Summit Mortgage Corporation with three decades of residential lending experience. He provides personalized services to individuals, families, and real estate professionals in Escondido. He specializes in home loan programs, such as conventional, FHA, USDA, VA, and jumbo loans. He simplifies and expedites the loan application for clients, helping them find the loan option that best fits their needs. Clients have praised Yeager for keeping them updated and informed throughout the loan process.

  • New Construction

12636 High Bluff Drive, San Diego, CA 92130
WebsiteLicense: 1859672

Expertise.com Rating

Review Sources

Facebook
5.0 (5)

Why choose this provider?

Bright Path Funding Inc. is a mortgage brokerage firm that has been serving Escondido, San Diego, and the surrounding communities for more than 35 years. It specializes in offering services such as VA home loans, cash-out, and IRRR loans. VA refinancing helps service personnel and their families consolidate debt, get a lower interest rate, or lower their monthly payments. Bright Path Funding also offers VA IRRL, also known as the Streamline Program, that allows clients to defer two house payments and receive their escrow back.

  • Refinance

322 Encinitas Boulevard, Encinitas, CA 92024
WebsiteLicense: 304758

Expertise.com Rating

Review Sources

Yelp
5.0 (214)
Google
5.0 (190)
Facebook
5.0 (27)

Why choose this provider?

Dave Pennington is a loan advisor with more than 18 years of experience. He provides comprehensive mortgage advice and guidance to clients in Colorado Springs, Encinitas, and the surrounding areas. Pennington has a Business Administration degree in Real Estate and Urban Land Economics and is a branch manager at RPM Mortgage. He specializes in one- to four-unit residential financing and a variety of loan options. He has also been given a 5 Star Mortgage Professional award by the San Diego Magazine for eight years.

  • Refinance

13424 Barbados Way, Del Mar, CA 92014
WebsiteLicense: 301067

Expertise.com Rating

Review Sources

Yelp
5.0 (6)

Why choose this provider?

Dana Cunningham is a mortgage broker with over twenty years of industry experience. She helps clients in Escondido and nearby areas who need assistance with jumbo loans, conventional financing, and FHA loans. Her years in the industry have helped her navigate through changing financial markets. She also helps with refinancing existing loans. The services she offers are clear and simple. She is also knowledgeable in niche loan products like construction or self-build loans and the Doctor’s Loan Program.

  • New Construction

733 Hollowbrook Court, San Marcos, CA 92078
WebsiteLicense: 971132

Expertise.com Rating

Review Sources

Google
5.0 (58)
Yelp
5.0 (43)

Why choose this provider?

Superb Mortgage & Real Estate is a full-service mortgage and real estate brokerage firm that serves Escondido and surrounding areas. Owner and broker Brian Simantel specializes in residential purchases and refinances. Having developed strong relationships with lenders, the firm offers various mortgage products such as conventional loans, FHA loans, and VA loans for first-time homebuyers and seasoned investors. Superb Mortgage & Real Estate has received the Five Star Mortgage Professional Award from SD Magazine ten times, among its many awards in the industry.

  • New Construction

1174 Main Street, Ramona, CA 92065
WebsiteLicense: 266306

Expertise.com Rating

Review Sources

Yelp
5.0 (2)

Why choose this provider?

San Vicente Mortgage provides lending solutions to Escondido residents looking to purchase a new home or refinance their existing homes. It offers pre-qualification and loan programs and refinance options for a variety of needs such as home improvement, debt consolidation, or business capital. Its loan products include USDA mortgage loans, VA mortgage loans, and FHA mortgage loans. San Vicente Mortgage is managed by Christie Carlson and Jason DeLeo, both veterans in the mortgage industry.

  • Refinance

515 Encinitas Boulevard, Encinitas, CA 92024
WebsiteLicense: 275897

Expertise.com Rating

Review Sources

Yelp
5.0 (8)

Why choose this provider?

Clay Robison, from American Pacific Mortgage, has been advising home buyers in the Escondido area for over 27 years. He helps his clients choose the best loan program that will allow them to maximize their liquidity and financial safety. He offers guidance on acquiring conventional loans, jumbo loans, USDA, VA, and FHA loans. In addition, he is also passionate about educating individuals on how to achieve financial security by using real estate as a wealth creation tool.

  • Refinance

16486 Bernardo Center Drive, San Diego, CA 92128
WebsiteLicense: 245050

Expertise.com Rating

Review Sources

Facebook
5.0 (14)

Why choose this provider?

John F. Gillis is the branch manager of Benchmark Mortgage in San Diego, a mortgage firm that offers home financing solutions to clients in the Escondido metro and nearby communities. John is a certified mortgage planner and advisor who has been in the real estate finance industry for more than 25 years. Some of his loan programs include conventional loans, veteran loans (VA loans), USDA loans, FHA loans, and jumbo loans. He also assists clients seeking to replace their current mortgage plans through refinancing.

  • Multi-Family Loans

1185 Linda Vista Drive, San Marcos, CA 92078

Expertise.com Rating

Why choose this provider?

Jason Wood is a mortgage broker and loan originator that has been serving Escondido, San Diego, and the surrounding areas. Wood, an Air Force veteran, specializes in assisting his fellow veterans in obtaining VA loans through his company—the VA Loan Guy. With over 17 years of experience in the real estate finance industry, he is also able to assist his clients in processing jumbo, FHA, USDA, and renovation loans. Wood hosts the Armed N Ready Podcast that highlights military experiences and careers.

  • Purchase
  • Refinance
  • Multi-Family Homes

990 Highland Drive, Solana Beach, CA 92075
WebsiteLicense: 176779

Expertise.com Rating

Review Sources

Facebook
5.0 (1)

Why choose this provider?

Pacific Sun Mortgage, Inc., is an independently owned brokerage company serving clients in Escondido and the surrounding areas. Established in 1983, the company focuses on mortgage refinancing and home purchase loans. It works with both homebuyers and homeowners and provides loan programs such as fixed-rate and adjustable-rate mortgages, VA and FHA loans, as well as hybrid ARMs. It also offers reverse and graduated-payment mortgages. Founders Larry and Debbie Silvett have more than four decades of combined industry experience.

  • Refinance

4405 Manchester Avenue, Encinitas, CA 92024
WebsiteLicense: 339215

Expertise.com Rating

Why choose this provider?

Rancho Coastal Funding is a mortgage broker company specializing in providing mortgage products to clients in the Escondido metro. Its NMLS-certified loan professionals are committed to helping clients pass the pre-qualification phase and successfully secure funding for new home purchases and mortgage refinancing. Some of the firm's products include conforming loans and jumbo loans. Rancho Coastal Funding's website also contains various guides and calculators that help in comparative analyses and pre-qualification applications. The company aims to help clients get the loans that match their needs.

  • Refinance

1042 El Camino Real, Encinitas, CA 92024
WebsiteLicense: 320176

Expertise.com Rating

Review Sources

Facebook
5.0 (5)

Why choose this provider?

Crest Funding Group is a mortgage brokerage firm that serves clients in Escondido. It specializes in first-home purchase, commercial mortgage, VA, and jumbo loans, as well as loan refinancing. It also offers fixed-rate, adjustable-rate, and interest-only loans. Crest Funding Group is managed by Dan and Emily Palmer, who have over 30 years of combined experience. They are both members of the National Association of Mortgage Brokers and the National Association of Realtors.

  • New Construction
  • Refinance

417 Hickoryhill Drive, Encinitas, CA 92024
WebsiteLicense: 282718

Expertise.com Rating

Review Sources

Facebook
5.0 (22)

Why choose this provider?

Michael A. Deery is a mortgage broker that leads Citywide Financial Corp., which covers residents of Escondido and its surrounding areas. With over 20 years of experience, Michael offers to examine and compare the rates of different loan programs, from conventional to investment property loans. He also underwrites for those applying for pre-qualification and can connect clients to over 50 different banks. Outside of the office, Michael writes a bi-weekly mortgage newsletter entitled "The Mortgage and Real Estate Market Insider."

  • New Construction

326 Encinitas Boulevard, Encinitas, CA 92024
WebsiteLicense: 246510

Expertise.com Rating

Review Sources

Yelp
4.0 (13)

Why choose this provider?

InterFinancial Capital Mortgage is a mortgage lender that serves the residents of Escondido and the rest of California. It assists different types of clients with their mortgages, including first-home buyers, veterans, and those looking to refinance outstanding mortgages. It specializes in FHA, VA, HARP, USDA, and jumbo loans. It also handles cash-out home loans, home equity loans, and reverse mortgages. Its owner, David Church, has been working in the mortgage industry for almost three decades.

  • Refinance
  • Reverse Mortgages

1237 Camino Del Mar, Del Mar, CA 92014
WebsiteLicense: 325048

Expertise.com Rating

Review Sources

Yelp
5.0 (4)

Why choose this provider?

Express Funding Mortgage Company was opened in 1998 and now serves the residents of the Escondido area and its surrounding communities. With over 22 years of experience in mortgage brokerage, it assists clients and homebuyers by connecting them to its vast network of lenders and helping them select the most suitable loan option available for their specific needs, goals, and financial status. Some of the loan products it offers are new purchase mortgages, FHA loans, mortgage refinancing, vacation home financing, and reverse mortgages.

  • Refinance
  • Reverse Mortgages

2655 Camino Del Rio North, San Diego, CA 92108
WebsiteLicense: 173855

Expertise.com Rating

Review Sources

Google
5.0 (10)

Why choose this provider?

Cornerstone First Mortgage is a full-service brokerage that helps Escondido home buyers and real estate investors in securing a suitable property through home loan programs. It assists clients with particular needs through its offerings that include fixed-rate mortgages, rehab loans for renovation needs, and FHA and VA loans. The firm is also a full-service mortgage lender, which means that it can assist its clients both with loan processing as well as with underwriting and funding.

  • Refinance

13992 Arbolitos Drive, Poway, CA 92064
WebsiteLicense: 342255

Expertise.com Rating

Review Sources

Facebook
5.0 (6)
Yelp
5.0 (2)

Why choose this provider?

Presley Financial offers mortgage brokerage services in and around the Escondido metro. The company partners with multiple lenders in order to find the best possible solutions for its clients. It provides assistance in understanding and accessing different loan programs, including conventional, jumbo, FHA, and USDA loans. Scott Presley, its mortgage broker, has been in the industry since 1993. A finance graduate and certified veterans loan specialist, Scott adopts a hands-on approach and prepares a detailed spreadsheet for financial analysis.

  • New Construction

1011 Camino Del Mar, Del Mar, CA 92014
WebsiteLicense: 1825828

Expertise.com Rating

Review Sources

Facebook
5.0 (2)

Why choose this provider?

Serving the Escondido area, Avant Capital offers a wide range of mortgage options to its clients. The company specializes in various types of mortgages and has developed long-term relationships with several lenders. Its professional loan consultants also help find the right loan for borrowers and are knowledgeable about the mortgage underwriting process. Some of the loan options the company handles are 30- and 15-year fixed-rate mortgages, adjustable-rate mortgages, jumbo loans, reverse mortgages, and FHA loans.

  • New Construction

Compare our Top Mortgage Brokers

NameExpertise RatingAddressPromotionsLearn more
Blue Horizon Realty & Lending, Inc.
500 La Terraza Boulevard, Escondido, CA 92025
John Yeager
28904 Valley Center Road, Valley Center, CA 92082
Bright Path Funding Inc.
12636 High Bluff Drive, San Diego, CA 92130
Dave Pennington
322 Encinitas Boulevard, Encinitas, CA 92024
Dana Cunningham
13424 Barbados Way, Del Mar, CA 92014
Superb Mortgage & Real Estate
733 Hollowbrook Court, San Marcos, CA 92078
San Vicente Mortgage
1174 Main Street, Ramona, CA 92065
Clay Robison
515 Encinitas Boulevard, Encinitas, CA 92024
John F. Gillis
16486 Bernardo Center Drive, San Diego, CA 92128
Jason Wood
1185 Linda Vista Drive, San Marcos, CA 92078
Pacific Sun Mortgage, Inc.
990 Highland Drive, Solana Beach, CA 92075
Rancho Coastal Funding
4405 Manchester Avenue, Encinitas, CA 92024
Crest Funding Group
1042 El Camino Real, Encinitas, CA 92024
Michael A Deery
417 Hickoryhill Drive, Encinitas, CA 92024
InterFinancial Capital Mortgage
326 Encinitas Boulevard, Encinitas, CA 92024
Express Funding Mortgage Company
1237 Camino Del Mar, Del Mar, CA 92014
Cornerstone First Mortgage
2655 Camino Del Rio North, San Diego, CA 92108
Presley Financial
13992 Arbolitos Drive, Poway, CA 92064
Avant Capital
1011 Camino Del Mar, Del Mar, CA 92014

FAQs

  • 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.