Expertise.com

2024

Last updated:

Best Mortgage Brokers in Hesperia

Our Recommended Top 12

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

34Reviewed

25Curated

12Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

17100 Bear Valley Rd Suite B, #214, Victorville, CA 92395
WebsiteLicense: 2102237

Expertise.com Rating

Review Sources

Google
5.0 (13)

Why choose this provider?

LENDCO helps the people of Hesperia and the surrounding areas realize their home ownership dreams by connecting them with lenders. It offers various types of home loans, including fixed-rate, adjustable-rate, and interest-only mortgages. The brokerage also assists buyers in navigating the mortgage process by determining the amount that they can borrow and the maximum amount of exposure that lenders are willing to take. LENDCO owner Julio Hernandez has been working with home buyers and sellers as a broker since 2002.

  • Reverse Mortgage
  • Home Loans
  • Bilingual Loan Officers

13312 Ranchero Rd, Suite 473, Oak Hills, CA 92344
WebsiteLicense: 2061243

Expertise.com Rating

Review Sources

Google
5.0 (29)
Yelp
5.0 (1)

Why choose this provider?

ARE Mortgage Group serves clients looking to buy, sell, build, or refinance their dream homes in Hesperia and neighboring areas. The company's loan officers possess the information and skills to investigate various financing choices. They offer home loans under the Federal Housing Administration that only require borrowers a 3.5% down payment. In addition, they have VA loans designed to render long-term financing to qualified American veterans and their surviving spouses. Other loan options are a 30-year fixed mortgage, adjustable rate, jumbo, 203K, and reverse mortgage.

  • Refinance
  • New Construction

12180 Ridgecrest, Suite 112,, Victorville, CA 92395
WebsiteLicense: 1300963

Expertise.com Rating

Review Sources

Google
5.0 (103)

Why choose this provider?

Paramount Residential Mortgage Group, Inc. Victorville offers a variety of loan services and products to residents in and around Hesperia. The options include Fannie Mae and Freddie Mac plans for buyers and renovators. VA programs are available for members and veterans of the military. The team also has online calculators to educate buyers on the mathematical aspects of their real estate purchases. The company has been active in the residential mortgage sector for over two decades.

  • Refinance
  • New Construction

3190 Shelby Street Ste A2, Ontario, CA 91764
WebsiteLicense: 1105497

Expertise.com Rating

Review Sources

Google
4.6 (21)

Why choose this provider?

Statewide Funding Inc. helps Hesperia residents achieve their homeownership goals. It offers various mortgage options tailored to the financial situations of borrowers, including jumbo, conventional, VA, FHA, and USDA loans. The mortgage banker also helps clients reduce their interest rates and change the terms of their existing mortgages through refinancing. Statewide Funding has been operating since 2013. It is licensed to offer mortgage loans to homebuyers and investors in several states, such as Arizona, Florida, and Texas.

  • Refinance

8311 Haven Avenue, Rancho Cucamonga, CA 91730
WebsiteLicense: 2427

Expertise.com Rating

Review Sources

Zillow
5.0 (103)
Facebook
4.0 (75)
Google
4.1 (13)

Why choose this provider?

Integrity Home Finance has been serving customers in Hesperia and nearby locations for over 25 years. It provides conforming and non-conforming lending programs and conventional and government loan programs. It also develops new and innovative financing solutions to help clients realize their goal of house ownership. Some programs it offers are FHA, VA, and jumbo loans. CEO Howard Kootstra spent 35 years in lending, allowing him to learn every aspect of the mortgage industry, such as underwriting and loan bundling.

  • Refinance

3610 Central Ave Suite 400, Riverside, CA 92506
WebsiteLicense: 135932

Expertise.com Rating

Review Sources

Google
5.0 (233)
Zillow
5.0 (82)
Yelp
4.5 (19)

Why choose this provider?

First Lending Solutions is a mortgage broker in Hesperia that guides its customers in choosing their purchase and refinance loan based on their finances, essentials, and background. The business covers home loan options such as first-time home buyers, FHA loans, VA loans, jumbo loans, USDA loans, and rehab loans. Its other services include cash-out refinance, investment property loans, fixed-rate mortgages, and low-down payment purchase options. First Lending Solutions has been in the industry since 2005.

  • Refinance

10670 Civic Center Dr Ste 100, Rancho Cucamonga, CA 91730
WebsiteLicense: 1821361

Expertise.com Rating

Review Sources

Google
5.0 (6)
Facebook
5.0 (3)
Yelp
5.0 (1)

Why choose this provider?

Esteem Mortgage is an independent broker that offers services to borrowers across the Hesperia metro. It helps clients obtain loan programs like conventional, FHA, VA, USDA, jumbo, and reverse mortgages to finance their dream homes. The company also provides specialty products for first-time home buyers and commercial property investors. Esteem Mortgage began in 2007 during one of the most difficult periods in the mortgage industry. Three years later, it became a banker with Mt West Financial while keeping its business name.

  • Refinance

300 State Street Unit 480, Redlands, CA 92373
WebsiteLicense: 1436688

Expertise.com Rating

Review Sources

Google
4.8 (17)

Why choose this provider?

Citrus Heights Mortgage has been serving Hesperia first-time home buyers and homeowners since 1999. Ana Cervantes, the company's owner, works closely with clients to ensure the mortgage process is understandable. She helps buyers find the best financing option for their dream of owning a single-family home, multi-family home, condominium, or townhouse. Ana's company offers loan programs such as FHA, Jumbo, VA, and USDA. Property owners can also consult Citrus Heights Mortgage about the process of refinancing an existing loan.

  • Refinance

225 W. Hospitality Lane, Ste. 201F, San Bernardino, CA 92408
WebsiteLicense: 1429245

Expertise.com Rating

Review Sources

Google
5.0 (30)
Facebook
5.0 (7)

Why choose this provider?

Arrowhead Mortgage serves people across the Hesperia area. The company addresses their concerns involving the mortgage application process and provides different loan programs that help them finance property acquisitions. These include programs from USDA, FHA, and VA. It also assists clients aiming to refinance their loans and has experience working with the owners of various types of properties, like townhouses, manufactured homes, and condos. Arrowhead Mortgage maintains a blog to update readers on housing market trends.

  • Refinance
  • New Construction

Victorville, CA 92392
WebsiteLicense: 1866428

Expertise.com Rating

Review Sources

Google
5.0 (58)

Why choose this provider?

Victory Home Mortgage & Realty offers a wide range of loan options to clients in Hesperia and the surrounding areas. It specializes in assisting clients avail of the Federal Housing Administration, Veterans Administration, and conventional loans. The company also provides down payment assistance and USDA mortgage loans. It offers other mortgage options like refinancing, adjustable rates, and interest-only mortgages. Victory Home has already funded more than $140 million in loans. Its average loan approval period is 10 days.

  • New Construction

3400 Central Ave Ste 345, Riverside, CA 92506
WebsiteLicense: 164497

Expertise.com Rating

Review Sources

Facebook
5.0 (16)

Why choose this provider?

Westin Mortgage has been serving the residents of the Hesperia metro and the surrounding areas since 1990. It helps clients find a loan program that suits their unique needs and circumstances when refinancing or purchasing homes. The company provides a wide variety of lending options, including adjustable-rate, FHA, conventional, VA, USDA, and jumbo loans. During the loan application process, its team of loan specialists utilizes industry-standard technology. Westin Mortgage operates under Mountain West Financial, Inc.

  • Refinance
  • New Construction

9329 Mariposa Road, Suite 110, Hesperia, CA 92344
WebsiteLicense: 724048

Expertise.com Rating

Review Sources

Google
4.9 (557)
Yelp
5.0 (2)
Zillow
5.0 (1)

Why choose this provider?

William Brady, a mortgage loan officer for PRMG, serves clients in Hesperia and nearby areas. He assists individuals or investors who want to apply for a mortgage program to buy a property and homeowners seeking to refinance existing loans. Among the products offered through PRMG are VA, FHA, and USDA mortgages. Brady tailors recommendations according to clients' financial needs and guides them through the borrowing process. He has been in the financial industry for over a decade.

  • 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.