Expertise.com

2024

Last updated:

Best Mortgage Brokers in Fremont

Our Recommended Top 14

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

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

70Reviewed

47Curated

14Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
39488 Stevenson Place, Fremont, CA 94539
  • New Construction

Why choose this provider?

Horizon Financial Associates is a full-service mortgage broker headquartered in Fremont. Since 1988, the firm has been providing mortgage solutions for clients who need first home purchase, cash-out refinance, property investment, and reverse mortgage. Owing to its strong connection with hundreds of lenders, it offers a broad range of mortgage options, including fixed-rate & adjustable mortgages, balloon mortgages, VA loans, and home equity fixed loans. Horizon Financial Associates is an active member of the community, participating and sponsoring Make-a-Wish Tournament Teams, Special Olympics, Little League Teams, Newark League of Volunteers, and Habitat for Humanity.

License Verified:

License: 302358

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)

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
39899 Balentine Drive, Newark, CA 94560
  • Refinance

Why choose this provider?

Inizio is a mortgage brokerage company that provides services to the Fremont metro. The company focuses on various types of mortgage programs and investment tools to help clients build their financial stability and versatility. Inizio works to match each individual to the most appropriate loan program from its roster of options including fixed-rate, adjustable-rate, graduated payments, and interest-only mortgages. The company also offers VA, FHA, USDA, and Jumbo loans to provide more options for clients to choose from.

License Verified:

License: 1659883

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 (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
1762 Technology Drive, San Jose, CA 95110
  • Refinance

Why choose this provider?

Paramount Residential Mortgage Group, Inc. has been providing technology-based mortgage services to clients in the Fremont area for over a decade. It offers standard conventional products, as well as HomeReady by Fannie Mae, Fannie Mae’s Homestyle Renovation, and Freddie Mac’s Home Possible. Its team of mortgage loan originators can also assist with a variety of VA, FHA, and USDA products. PRMG has a non-profit foundation, PRMG Cares, where the company gives back to the community.

License Verified:

License: 75243

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 (30)

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
29300 Kohoutek Way, Union City, CA 94587
  • New Construction
  • Refinance

Why choose this provider?

Pacific Green Funding is a mortgage company serving the Fremont metro. The business is dedicated to providing versatile lending services that are appropriately matched to different kinds of clientele, from new families to long-time homeowners. Pacific Green Funding deals with FHA, refinancing, VA, and conventional loans. Managed by Ravi Selvaraj, a mortgage banker and loan originator, the company also encourages its clients to ask questions about mortgages and recognizes the various needs of individuals looking to avail of loans in the company.

License Verified:

License: 746372

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
Facebook
5.0 / 5 (15)
Zillow
4.6 / 5 (10)
Google
5.0 / 5 (8)

(+1 additional source)

Website
6658 Thornton Avenue, Newark, CA 94560
  • New Construction
  • Refinance

Why choose this provider?

Rainbow Funding is a team of independent mortgage brokers that serves Fremont. The family-operated firm provides financing options for both homebuyers seeking to purchase loans and homeowners looking into refinancing. It provides technology-driven tools, allowing clients to track loan statuses and sign documents virtually. Its team also holds video or phone consultations for clients in remote areas. Rainbow Funding is headed by Adam Modzeleski, who has over two decades of experience. He is the son of company founder Dick Modzeleski.

License Verified:

License: 1829567

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 (14)
Yelp
5.0 / 5 (7)
Facebook
5.0 / 5 (3)

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
6600 Koll Center Parkway, Pleasanton, CA 94566
  • Multi-Family Loans

Why choose this provider?

Caliber Home Loans helps the residents of Fremont obtain their homeownership goals. The company's loan consultants walk clients through the home purchase or refinancing process and educate them about available mortgage options, including conventional, USDA, VA, and FHA loans. They use technology to streamline the application phase and assist borrowers in navigating the company's mobile app. Sanjiv Das, the company CEO, held executive management positions at CitiMortgage, Inc., and First Data Corporation, before joining the Caliber team.

License Verified:

License: 15622

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 (107)

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
344 Division Street, Pleasanton, CA 94566
  • New Construction
  • Refinance

Why choose this provider?

Brian LeBars is a mortgage broker who provides services in the Fremont area. He works for Vintage Home Loans, a full-service mortgage company specializing in government and conventional home loans. He offers programs such as FHA, USDA, and VA mortgage loans for veterans. Brian works with different lenders in the industry to allow customized loan offers according to his clients' needs and provides quick advice to counter the frequent change in market conditions and evolving mortgage programs.

License Verified:

License: 239905

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 (23)

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
260 Main Street, Redwood City, CA 94063
  • New Construction
  • Refinance

Why choose this provider?

BestRateLending.com is a company of mortgage professionals that serves the residents of the Fremont metro through home financing and refinancing solutions. The company is focused on using modern technology and its website as a primary platform in helping clients during the pre-qualification phase of loan programs. The firm also utilizes a complete online application process to assist individuals in applying for conventional, government, and specialty loans. In addition, the firm offers refinancing options, such as HARP.

License Verified:

License: 275113

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 (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
7041 Koll Center Parkway, Pleasanton, CA 94566
  • Commercial Loans
  • Reverse Mortgages

Why choose this provider?

Pacificwide Lending is a mortgage lending company founded in 2002 that works with clients across California, including Fremont. The company offers an array of customized loan products for commercial and residential clients, including super conforming loans, office building loans, warehouse loans, stated income loans, and jumbo loans. Its mortgage originators can guide clients throughout the entire loan process and its website contains information regarding the steps and requirements needed. Founder Andrew Liu holds a master's degree in Business Administration.

License Verified:

License: 241222

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.
4.2
Facebook
4.0 / 5 (7)
Google
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
1754 Technology Drive, San Jose, CA 95110
  • New Construction
  • Refinance

Why choose this provider?

Stephen Wong is a mortgage broker that serves Fremon and the surrounding communities. He has been in the industry for more than 18 years and has more than a decade of experience in residential lending. He is knowledgeable in credit counseling and personal finance. He primarily focuses on offering residential mortgage services such as conventional loans, refin plus, and the Harp program for houses that do not have 80% loan to value. Stephen also offers first-time home buyer consultation, consumer education, and refinancing analysis.

License Verified:

License: 289969

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
Yelp
5.0 / 5 (186)
Google
4.0 / 5 (23)

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
10808 Crothers Road, San Jose, CA 95127
  • Refinance
  • Multi-Family Loans

Why choose this provider?

Own Sweet Home is a brokerage company founded by Amit Inamdar, serving clients in Fremont. It is a small firm that has access to more than 120 mortgage lenders and assists clients in selecting the right loan at reasonable interest rates. Its team of mortgage professionals strives to provide a loan for clients who are looking to refinance or purchase a property. Adjustable and fixed-rate mortgages are available. Additionally, they also handle the real estate needs of both buyers and sellers.

License Verified:

License: 2131

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.
4.5
Facebook
5.0 / 5 (17)
Yelp
4.0 / 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
42808 Christy St Ste 226 Fremont, CA 94538, Fremont, CA 94539
  • New Construction
  • Refinance

Why choose this provider?

Providential Mortgage is a Fremont company of mortgage professionals that specializes in processing, funding, and underwriting home financing loans for clients in the metro. The company is headed by Tuan Vo, a senior broker with over 20 years of industry experience. He and his team are proficient in handling loan processes such as those required for conventional loans, government loans, and jumbo loans. It also helps formulate mortgage strategies for refinancing that reduce monthly payments, interest rates, and mortgage terms.

License Verified:

License: 338656

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 (299)
Google
5.0 / 5 (91)

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
4701 Rose Way, Union City, CA 94587
  • New Construction
  • Refinance

Why choose this provider?

Aiyars Real is a mortgage brokers firm serving individuals from the Fremont metro. The firm was established in 2010 and has since been protecting the interests and financial capacities of its clients. Aiyars Real runs a team of mortgage consultants who specialize in home mortgage loans that meet the varying needs of each individual or family. The firm assists with home purchases and refinancing and provides real estate representation for both buyers and sellers.

License Verified:

License: 1574655

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 (15)

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
5960 Stoneridge Drive, Pleasanton, CA 94588
  • Refinance

Why choose this provider?

Cal Coast Financial Corp is a mortgage brokerage firm serving clients in Fremont and the surrounding areas. The company focuses on residential mortgages and provides loan consultation services that are tailored to the goals of each client. Its team of professional consultants searches for and works with lenders offering rates that best meet their clients' mortgage needs. Cal Coast Financial Corp has been in business for more than 20 years.

License Verified:

License: 328875

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.
4.0
Yelp
4.0 / 5 (26)

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
––

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.