Expertise.com

2024

Last updated:

Best Mortgage Brokers in Hemet

Our Recommended Top 10

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

30Reviewed

22Curated

10Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

41760 Ivy Street, Suite 102, Murrieta, CA 92562
WebsiteLicense: 246260

Expertise.com Rating

Review Sources

Google
5.0 (62)
Facebook
5.0 (5)

Why choose this provider?

Vintage Mortgage Firm provides loan options, such as FHA, VA, USDA, and down payment assistance programs, for individuals in Hemet. It has fixed-rate, adjustable-rate, and graduated payment mortgages. The veteran-owned broker aims to help clients understand asset optimization and improve their savings and retirement plans through equity management. Steve Gronlund, the company owner, has been in the real estate finance and mortgage business since 1991 and has served over 6,000 customers. The firm extends its services to customers in Wildomar, Canyon Lake, and Perris.

  • Refinance

39252 Winchester Rd., Ste. 107-449, Murrieta, CA 92563
WebsiteLicense: 389986

Expertise.com Rating

Review Sources

Facebook
5.0 (9)
Google
5.0 (5)

Why choose this provider?

Luxe Lending is a mortgage company that provides various home loan options in Hemet and surrounding communities. It offers refinancing solutions to homeowners who want to lower monthly rates, cash out equity, consolidate debt, stop paying private mortgage insurance, or pay less over the life of their loan. The company also assists those who want to switch from an adjustable to a fixed rate loan or to get into a 15-year loan as opposed to a 30-year plan.

  • New Construction

43950 Margarita Road Suite C, Temecula, CA 92592
WebsiteLicense: 135622

Expertise.com Rating

Review Sources

Google
5.0 (119)
Facebook
4.8 (77)

Why choose this provider?

The Wise Guys offers home loan solutions to locals in Hemet. It provides graduated payment, interest-only, adjustable-rate, and fixed-rate mortgages. Its graduated payment mortgages allow more individuals to qualify for the loan because of its initial payment. The company offers FHA, VA, USDA, and jumbo home loan programs. It also guides clients in pre-qualifying for a loan by calculating their buying power based on income and assets. Additionally, The Wise Guys provides mortgage refinancing services to individuals planning to lower interest rates.

  • New Construction
  • Refinance

41690 Ivy Street, Murrieta, CA 92562
WebsiteLicense: 135622

Expertise.com Rating

Review Sources

Yelp
5.0 (47)
Facebook
4.9 (43)
Google
5.0 (42)

Why choose this provider?

Ryder Mortgage Group helps Hemet residents obtain home financing by connecting them to potential lenders. The wholesale mortgage broker offers various fixed-rate, adjustable-rate, and interest-only mortgage rate options. In addition, it guides homeowners and homebuyers through obtaining jumbo, VA, and USDA loans. The process covers document preparation, credit score assessment, and closing with the participation of real estate agents, attorneys, and title or escrow firm representatives. The brokerage also provides a mortgage calculator to help clients project their potential expenses.

  • Refinance
  • New Construction

473 E Carnegie Dr., Suite 200, San Bernardino, CA 92408
WebsiteLicense: 1910299

Expertise.com Rating

Why choose this provider?

Pure Mortgage delivers comprehensive solutions to the homeownership goals of residents in Hemet. Through automated digital tools, the company assists homebuyers in selecting from options such as ARMs and USDA, super jumbo, and conforming loans. Additionally, its team of loan professionals guides borrowers during the refinancing process, starting from consultation and analysis to appraisal and closing. Founders Dan and Jon established the company after working for more than 10 years in the mortgage industry.

  • Refinance

31290 Windstone Drive, Winchester, CA 92596
WebsiteLicense: 1772026

Expertise.com Rating

Review Sources

Google
5.0 (18)
Facebook
5.0 (5)

Why choose this provider?

Gravity Mortgage provides loan solutions to customers in Hemet and nearby areas. It carries loan programs from multiple institutions to find the rate and term that fit clients' needs. It offers conventional, FHA, and VA loans for purchases and mortgage refinances. It also provides down payment assistance programs. Gravity Mortgage's branch manager, Shawn Gallup, started his career in the finance industry in 1993, gaining experience in residential and business lending with credit unions, direct lenders, and consumer and business banks.

  • New Construction

38625 Calistoga Drive, Suite 200, Murrieta, CA 92562
WebsiteLicense: 1921615

Expertise.com Rating

Review Sources

Google
4.9 (38)

Why choose this provider?

Patriot Pacific Financial Corp. works with families and individuals in Hemet. For more than two decades, its team has been addressing the real estate needs of investors and buyers through its mortgage solutions. The company processes a variety of mortgage programs, such as VA, FHA, USDA, conventional, and reverse loans. It also provides down payment assistance, CalVet home loans, and private money mortgage products. The agency is a member of the Southwest Riverside County Association of Realtors and the National Association of Mortgage Brokers.

  • New Construction

38625 Calistoga Dr., Ste #200, Murrieta, CA 92563
WebsiteLicense: 315238

Expertise.com Rating

Review Sources

Facebook
5.0 (45)
Google
4.5 (32)

Why choose this provider?

Brad Yzermans helps clients in Hemet and across the state qualify for a mortgage to purchase or refinance their homes. He assists borrowers in the home buying or refinancing processes and chooses from a number of loan options. Services include California down payment assistance; Fannie Mae HomePath financing; FHA, VA, USDA, and conventional home loans. Brad Yzermans is a mortgage loan originator for Patriot Pacific Financial Corp. He has been in the mortgage industry since 2004.

  • New Construction

1656 Hibiscus Ct, Beaumont, CA 92223
WebsiteLicense: 276612

Expertise.com Rating

Review Sources

Google
5.0 (17)

Why choose this provider?

Isosceles Mortgage is a full-service company that caters to homebuyers and investors in the Hemet area. Its team offers a wide selection of mortgage programs, such as conventional, jumbo, HELOC, VA, FHA, and USDA loans. The company also helps individuals and families develop refinancing solutions to reduce their interest rates and monthly payments. Clients can use the Loanzify application that connects clients directly to loan officers and Realtors. Founder Mary Westphal has been in the industry for over two decades.

  • Commercial Loans

29895 Masters Drive, Murrieta, CA 92563
WebsiteLicense: 1954392

Expertise.com Rating

Review Sources

Google
5.0 (15)

Why choose this provider?

Home Loan Approval Center helps fulfill the mortgage needs of Hemet residents. It provides a variety of mortgage options, including VA, FHA, USDA, and jumbo loans. It also offers 15- and 30-year fixed-rate mortgages. It has online tools to help customers make informed decisions, such as the home purchase qualifier and refinance checker. The firm seeks to establish long-lasting relationships with clients by informing them about the status of their loans through regular progress reports and updates.

  • Refinance

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.