Expertise.com

2024

Last updated:

Best Mortgage Brokers in Hayward

Our Recommended Top 19

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 Hayward Mortgage Brokers on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

57Reviewed

41Curated

19Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
1151 Harbor Bay Parkway, Alameda, CA 94502
  • Refinance
  • Purchase Transactions

Why choose this provider?

Fresh Home Loan is an independent mortgage brokerage firm serving families, first-time homebuyers, business owners, and retirees in Hayward and neighboring areas. This firm provides a variety of mortgage options, including home purchase, refinancing, cash-out, VA, FHA, and jumbo loans. With its access to several lending organizations, it provides a diverse portfolio of products to meet a multitude of insurance needs. President and CEO Garrick Werdmuller has more than 17 years of experience in the industry.

License Verified:

License: 2124104

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)
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
11501 Dublin Boulevard, Dublin, CA 94568
  • Refinance

Why choose this provider?

Reliance Financial is a mortgage firm that serves clients in Hayward. The company helps clients in finding the right loan options for their unique needs. Its team of professional brokers is well-versed in handling a variety of loan and mortgage options such as FHA, VA, jumbo, conventional, and first-time home buyers. Second home and investment home financing services are also available. The company has been providing its services to the community for more than 40 years.

License Verified:

License: 309198

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
5.0 / 5 (105)
Yelp
5.0 / 5 (90)
Zillow
5.0 / 5 (77)

(+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
2600 Old Crow Canyon Rd #201, San Ramon, CA 94583
  • Refinance

Why choose this provider?

Jim Wilson is a mortgage broker who has been helping people since 1999 with their loans and mortgages. He works closely with small to large-scale lending institutions and banks across the country. Wilson looks for the best loans that families can use to purchase their first home or to refinance an existing property. He also assists clients looking for investment financing or cash-out options. Wilson is the lead principal and broker at Preferred Mortgage Inc. that serves individuals and families in San Ramon, Hayward, and surrounding areas.

License Verified:

License: 278063

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 (14)
Facebook
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
2333 San Ramon Valley Boulevard, San Ramon, CA 94583
  • Refinance

Why choose this provider?

Lisette Bridges is a mortgage consultant for Golden Pacific Home Loans Inc. that guides clients in the Hayward metro through residential financing processes. She has extensive experience working with various financial institutions and putting together diverse options for home purchases and mortgage refinancing. Her firm helps homeowners and homebuyers with good credit standing as well as those who are credit challenged. Some of the loan programs she works on include conforming loans, government loans, investor loans, and loans for the self-employed.

License Verified:

License: 285652

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
San Francisco, CA
  • Refinance

Why choose this provider?

Jocelyn DeGuzman is a mortgage broker serving Hayward and the surrounding areas for more than 17 years. She has assisted hundreds of clients with buying, selling, and financing their properties. Some of her services include conventional loans, FHA loans, VA mortgages, USDA rural development loans, and jumbo loans. She also offers refinancing services for clients looking to find a better interest rate or get some cash out of their home equity. Jocelyn is a native of the Bay Area and has a thorough understanding of the local market.

License Verified:

License: 287543

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 (42)
Yelp
5.0 / 5 (27)
Realtor
5.0 / 5 (14)

(+2 additional sources)

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
1810 Gateway Drive, San Mateo, CA 94404
  • New Construction
  • Refinance

Why choose this provider?

Jason Yui is a lending professional who helps Hayward residents with their mortgage needs. Jason and his team of loan officers strive to get loans approved for their clients in 30 days or less. They guide clients through the entire mortgage process and help them with the necessary requirements. Jason is a senior loan officer from Supreme Lending, a full-service mortgage lender that was established in 1999. He is one of the company's thousands of mortgage employees in its 50 state branches across the country.

License Verified:

License: 1426398

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 (16)
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
2950 Merced Street, San Leandro, CA 94577
  • Refinance
  • Reverse Mortgages

Why choose this provider?

Sergio Szyrko is a senior loan officer from Fairway Independent Mortgage Corporation. He aims to help Hayward residents acquire their own homes by providing them with loan options that suit their needs. He also strives to provide his clients with personalized service and guidance through every phase of the loan process. Fairway Independent Mortgage Corporation was founded by Steve Jacobson in 1996. It provides a variety of loan options such as conventional, jumbo, FHA, USDA, and VA loan programs.

License Verified:

License: 276534

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 (75)
Zillow
5.0 / 5 (70)
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
2603 Camino Ramon, San Ramon, CA 94583
  • New Construction
  • Refinance

Why choose this provider?

Located in San Ramon, Apex Mortgage Solutions is a full-service mortgage broker company serving residential and commercial customers in Hayward, San Lorenzo, and the entire state of California. It specializes in conventional and VA/FHA loans and provides mortgage and refinancing services for the purchase of a new home or the restructuring of an existing loan. Apex Mortgage Solutions' refinancing options include FHA cash out and streamline, conventional, and jumbo loans.

License Verified:

License: 1850210

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 (31)
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
2603 Camino Ramon, San Ramon, CA 94583
  • Reverse Mortgages

Why choose this provider?

Russell Doi is a home equity retirement specialist that offers reverse mortgages in the Hayward area. He works under Mutual of Omaha Mortgage company and has been in the mortgage industry for over 30 years. His reverse loan programs include HECM loan, HECM for purchase, and jumbo reverse mortgages. Doi strives to help seniors in retirement increase their financial resources through reverse mortgages. In addition, he volunteers to organizations such as J-Sei, a senior services non-profit organization.

License Verified:

License: 328048

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 (10)
Facebook
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
2400 Camino Ramon, San Ramon, CA 94583
  • New Construction
  • Refinance

Why choose this provider?

Shining Star Funding is a San Ramon-based mortgage firm that serves clients in Hayward. The company offers a wide range of loan options for homeowners, homebuyers, and real estate investors, including FHA home loans, adjustable-rate mortgage loans, fix and flip loans, jumbo loans, and reverse mortgages. Shining Star Funding has financed more than $12 billion in loans and originated over 45,000 loans in 2015. It has a workforce of more than 3,500 and is active in the real estate market in the East and West Coast.

License Verified:

License: 1071

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.
4.3
Google
4.0 / 5 (28)
Yelp
5.0 / 5 (8)
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
11501 Dublin Boulevard, Dublin, CA 94568
  • Refinance
  • Commercial Loans
  • Multi-Family Loans

Why choose this provider?

Light Mortgage has a group of mortgage professionals trained to assist clients in finding mortgage options in the marketplace. Serving the community of Hayward, its offered loan programs include FHA, VA, jumbo, 203k, and reverse mortgage loans. The firm also offers loan options, such as adjustable-rate mortgages and 30-year and 15-year fixed-rate mortgages. In addition, Light Mortgage assists clients looking to refinance their current mortgage, build equity, and update their homes through its refinancing programs.

License Verified:

License: 747675

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 (110)
Yelp
5.0 / 5 (58)
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
4234 Hacienda Drive, Pleasanton, CA 94588
  • New Construction
  • Refinance

Why choose this provider?

United Lending Partners is a mortgage brokerage firm serving Hayward and the surrounding areas. With over 45 years of combined mortgage and lending experience, the firm assists clients to secure FHA mortgage programs as well as purchase loans and cash-out equity loans. It also provides debt consolidation assistance and refinancing of outstanding loans. United Lending Partners maintains a consistent relationship with local loan providers so that its clients can avail themselves of the latest programs and options.

License Verified:

License: 168352

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 (18)
Facebook
5.0 / 5 (11)

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
2880 North Tracy Boulevard, Tracy, CA 95376
  • Reverse Mortgages

Why choose this provider?

Diversified Capital Funding is a mortgage firm that offers home financing opportunities for property buyers in Hayward. It carries a wide range of mortgage loan programs, such as conventional and jumbo purchases, FHA, VA, and cash-out refinance. Diversified Capital Funding employs over 1,500 mortgage professionals equipped with system tools and knowledge to simplify the complexities of the application process. It strives to deliver a personalized approach by providing options and information to help its clients make informed decisions.

License Verified:

License: 528459

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 (24)

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
6379 Clark Avenue, Dublin, CA 94568
  • Refinance
  • Commercial Loans
  • Multi-Family Loans

Why choose this provider?

Michael Idarola is a mortgage expert that assists Hayward residents in home purchase or refinancing transactions. An affiliate of Premier Lending Inc., he educates homeowners about the mortgage process and helps them find the best possible deals, including FHA, conventional, and USDA loans. He also offers guidance in verifying whether refinancing suits their financial goals, whether to reduce interests, consolidate debts, modify existing loan terms, or address financial emergencies. Michael has been providing mortgage advice to clients since 2002.

License Verified:

License: 960988

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 (27)
Facebook
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
11 Crow Canyon Court, San Ramon, CA 94583
  • New Construction

Why choose this provider?

Preferred Financial Group, Inc., is a San Ramon-based company that serves residents in Hayward. It offers a number of financing services, including mortgage assistance. Its team of home loan specialists has access to programs from more than 20 lenders, allowing them to find financing options that will match their clients' individual needs. They also strive to maintain constant communication with borrowers from the beginning of the process until closing. Preferred Financial Group, which was founded in 1979, offers real estate and insurance services as well.

License Verified:

License: 183821

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
Yelp
4.0 / 5 (17)
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
3340 Walnut Avenue, Fremont, CA 94538
  • Refinance

Why choose this provider?

Trans Global Lending is a mortgage company that is committed to finding the right loans that fit the needs of Hayward clients. Its loan options include jumbo, FHA, VA, and cash-out refinancing loan programs. Having been in the business for more than 20 years, the company has established 27 offices in nine states. With a goal to make the home loan process easy, its team strives to submit applications within two days from document submission and release funds in less than 30 days.

License Verified:

License: 1437002

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 (6)
Google
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
7031 Koll Center Parkway, Pleasanton, CA 94566
  • Multi-Family Loans

Why choose this provider?

Headquartered in Pleasanton, Excel Realty & Mortgage is an independently owned mortgage firm that provides loan options to residents of Hayward and the surrounding communities. The firm assists clients who are looking to sell or buy properties. It offers home financing services for home buyers and refinancing services. Shawnacy M. Nauroth and John Robison established Excel Realty & Mortgage in 2005 and started hiring experienced agents in 2006. Nauroth now serves as the agency's president and CEO.

License Verified:

License: 321425

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
Google
4.0 / 5 (12)
Facebook
5.0 / 5 (7)
Yelp
2.0 / 5 (4)

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
696 San Ramon Valley Boulevard, Danville, CA 94526
  • New Construction

Why choose this provider?

The Agency Real Estate and Finance is a mortgage broker that provides services to clients of Hayward and the nearby areas. The business helps individuals in choosing the right mortgage loans with the best interest rates. Some of the loan options it handles include VA, FHA, first-time home buyers, conventional, and reverse. The company also offers periodic fixed ARM, adjustable rate, and 15-year or 30-year fixed mortgages. This full-service firm represents clients from both residential and commercial markets.

License Verified:

License: 1027273

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 (31)
Facebook
5.0 / 5 (17)

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
313 Sycamore Valley Road, Danville, CA 94526
  • New Construction
  • Refinance

Why choose this provider?

Working for Bay Area Funding Group, Carrie Sanford is a senior loan officer who offers mortgage services to residents in Hayward and the surrounding areas. VA, USDA, FHA, and conventional loans are some of the loan options that she offers clients who are looking to purchase a house. She also offers several financing options for clients looking to refinance. Sanford has various skills and experiences in mortgage and financing that she utilizes to help first-time buyers.

License Verified:

License: 286517

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 (6)
Yelp
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

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.