Expertise.com
2024

Last updated:

Best Mortgage Brokers in Huntington Beach

Our Recommended Top 17

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

63

Reviewed

44

Curated

17

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
2183 Fairview Road, Costa Mesa, CA 92627
  • Refinance

Why choose this provider?

Fund USA, Corp., offers aid to homebuyers of Huntington Beach for loan and mortgage options. This includes home purchase, home equity, reverse mortgages, and home refinancing. It assists clients in looking for loan program options such as FHA, VA, USDA, and jumbo loans. Mortgage rate options include fixed-rate, adjustable ARM, interest-only, and graduated payments. Fund USA assists clients throughout the loan process, from determining how much they can borrow, selecting the right type of loan, and applying for the loan.

License Verified:

License: 1215609

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 (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
2130 Main Street, Huntington Beach, CA 92648
  • Refinance

Why choose this provider?

Summit Lending is a firm of mortgage brokers that was founded by Lisa Alley in 2005. It is located at and has been providing its services to the residents of Huntington Beach. The company helps clients with home refinance loans and mortgage home purchase loans that best meet their needs without any hassle. They provide several loan options, including fixed-rate loans, adjustable-rate mortgages, FHA loans, VA loans, jumbo loans, 203k loans, USDA loans, and HARP loans.

License Verified:

License: 339255

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 (84)
Google
5.0 / 5 (80)
Facebook
5.0 / 5 (21)

(+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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
18685 Main Street, Huntington Beach, CA 92648
  • Reverse Mortgages

Why choose this provider?

Chris Egan is a mortgage broker for the past 35 years attending to the needs of Huntington Beach. He is a retirement plan specialist offering products that will work best for his clients' needs. Some of his specializations revolve around outlining the retirement goals and analyzation of the obstacles. The benefits of these preparations help eliminate tax burdens and protection from market turndowns. Chris Egan is adept in financial fiduciary and is a member of the S.M.A.R.T. advisor network.

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
13833 Beach Boulevard, Westminster, CA 92683
  • Refinance

Why choose this provider?

For more than 20 years, TD Lending Inc. has provided clients in Huntington Beach with several mortgage loan programs for homebuyers, homeowners, and real estate investors. The company offers conventional loans, FHA loans, and VA loans to meet their clients' personal financial needs. Its mortgage professionals help clients qualify, apply, and get approved for the right mortgage loan in a fast and simple process. TD Lending Inc. also offers refinancing loans and cash-out on home equity options.

License Verified:

License: 329329

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.
3.9
Facebook
4.0 / 5 (37)
Yelp
3.0 / 5 (6)
Zillow
5.0 / 5 (2)

(+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
414 31st Street, Newport Beach, CA 92663
  • New Construction
  • Refinance

Why choose this provider?

NAL Financial Team is a brokerage firm that caters to Huntington Beach homeowners and homebuyers. The company, guided by principal Nicholas A. Louis, assists its clients throughout home financing transactions. Placing great value on honesty and timeliness, the mortgage broker ensures that clients are matched with the loan that addresses their needs and fits their budget—a method that has secured for the company a client base borne of referrals. Its website provides a mortgage calculator, mortgage glossary, and mortgage checklist for additional convenience.

License Verified:

License: 336071

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 (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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
8900 Warner Avenue, Fountain Valley, CA 92708
  • Refinance

Why choose this provider?

Optimum First Mortgage is a mortgage brokerage firm that provides financial solutions to the Huntington Beach metro. Its loan programs include fixed-rate mortgages, reverse mortgages, FHA loans, hybrid ARMs, VA loans, and HARP 2.0 loans. The brokerage firm has funded over 20,000 loans during its tenure. It offers investment tools and personalized customer service to help customers better understand the available loan and mortgage options. Optimum First Mortgage is also recognized as an equal housing lender.

License Verified:

License: 240415

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.
4.8
Zillow
5.0 / 5 (478)
Yelp
5.0 / 5 (413)
Google
4.0 / 5 (253)

(+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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
16162 Beach Boulevard, Huntington Beach, CA 92647
  • New Construction
  • Refinance

Why choose this provider?

First Allied Financial Services, Inc., is a mortgage refinancing company that serves clients in the Huntington Beach area. Clients can choose from a range of refinancing options that suit their needs. Options include short-term loans, low fixed-rate loans, and adjustable-rate mortgages. The firm also works as a mortgage specialist, helping clients manage their equity to expand their rate of return, tax deductions, and liquidity. First Allied Financial Services provides a list of references and a library where important information about mortgages is stored.

License Verified:

License: 325603

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.
4.6
Google
5.0 / 5 (12)
Yelp
4.0 / 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
2901 West Coast Highway, Newport Beach, CA 92663
  • Refinance

Why choose this provider?

USA Financial Services is a Newport Beach-based team of mortgage specialists that also serves residents in Huntington Beach, whether they are purchasing or refinancing loans. They are knowledgeable of various financing options, including reverse, fixed-, and adjustable-rate loans. Furthermore, they provide assistance throughout the home loan process, from pre-qualification to closing. USA Financial Services' team also helps homeowners looking into refinancing loans, which may involve switching to programs with shorter terms or mortgages with fixed rates.

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 (21)

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
16480 South Harbor Boulevard, Fountain Valley, CA 92708
  • Refinance

Why choose this provider?

Brymus Capital Inc. is a mortgage company that has been operating in Huntington Beach, Fountain Valley, and surrounding areas since 2005. The company is owned by broker Blaise Bryant, who has 20 years of experience in the industry. It specializes in mortgage and real estate services. It aims to match clients to loan programs and processes that meet their needs and goals. Brymus Capital provides advice and assistance for a variety of loans, including FHA, VA, USDA, jumbo, and conventional.

License Verified:

License: 291386

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 (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
30220 Rancho Viejo Road, San Juan Capistrano, CA 92675
  • New Construction
  • Refinance

Why choose this provider?

Linear Home Loans is a mortgage broker that offers its services to clients in Huntington Beach and the surrounding areas. The company helps individuals select the right mortgage loans with the best interest rates. Its team of brokers is well-versed in handling a wide range of loans, such as VA, jumbo, and 15- or 30-year fixed mortgages. Linear Home Loans was founded in 2008 and is committed to a customer-centric service strategy.

License Verified:

License: 242384

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.
4.7
Zillow
5.0 / 5 (47)
Yelp
4.0 / 5 (21)

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
20422 Beach Boulevard, Huntington Beach, CA 92648
  • Refinance

Why choose this provider?

Dash Mortgage is a company in Huntington Beach that assists individuals in and near the metro in finding the best possible mortgage options. Its lender partners cater to homebuyers' financing needs through different loan programs, including VA, FHA, and reverse mortgages. Daniel Horgan, the company's mortgage broker and originator, helps clients navigate the loan process and guides them in refinancing multiple properties. Dash Mortgage has an online form where clients can inquire about loan options that suit their needs.

License Verified:

License: 947781

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 (41)
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
124 Tustin Avenue, Newport Beach, CA 92663
  • Refinance
  • Reverse Mortgages

Why choose this provider?

Incorporated in 1983, Sterling Financial is a mortgage brokerage that works with clients in and around the Newport Beach area, including Huntington Beach. It offers clients a wide selection of mortgage services and financing options, ranging from refinancing and reverse mortgages to equity loans and FHA loans. Its staff can also assist clients in qualifying for home purchase loans. Utilizing its over 30 years of industry experience, Sterling Financial maintains a reputation for its customer service and knowledge of the financial industry.

License Verified:

License: 308033

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 (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
16531 Bolsa Chica Street, Huntington Beach, CA 92649
  • Refinance

Why choose this provider?

Since 1992, California Financial has been assisting clients in Huntington Beach in their real estate financing needs. It helps clients in purchasing a home, refinancing an existing loan, or consolidating debt. The professionals at this company guide customers throughout the financing process, which includes pre-qualification, application, loan processing, appraisal, underwriting, and closing. They offer different types of loan programs, such as fixed-rate and adjustable-rate mortgages, jumbo and conforming loans, conventional financing, renovation loans, and hard money loans.

License Verified:

License: 340656

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.
4.4
Google
5.0 / 5 (6)
Yelp
1.0 / 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
5772 Bolsa Avenue, Huntington Beach, CA 92649
  • Refinance

Why choose this provider?

Located in Huntington Beach, Unity West Lending is a mortgage brokerage catering to Californians in need of loan and refinancing solutions to obtain their dream homes. It has a team of loan specialists committed to providing speedy and accurate financial advice. They also help their clients identify the financing options that best fit their needs. Moreover, they deal with reverse mortgages, home refinancing, home purchase, and home equity loan programs for various property types, including single-family homes, condominiums, townhouses, and manufactured homes.

License Verified:

License: 349874

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.
4.8
Zillow
4.9 / 5 (99)
Yelp
4.0 / 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
16742 Gothard Street, Huntington Beach, CA 92647
  • New Construction
  • Refinance

Why choose this provider?

Jason Thibodeau is a local mortgage broker in Huntington Beach. Working as a branch manager at JMJ Financial Services, he helps homebuyers, sellers, and Realtors in processing mortgage applications and closing home loans. He started serving the mortgage industry in 2004. Later on, he took a chance to understand the business in a new light during the 2007 financial crisis. Jason grew up in a family of entrepreneurs which also rendered him a background in sales and manufacturing.

License Verified:

License: 296586

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 (49)

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.
2.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
7755 Center Avenue, Huntington Beach, CA 92647
  • Refinance

Why choose this provider?

Located in Huntington Beach, Ameristar Capital Mortgage Inc. is a mortgage company that specializes in residential mortgages. It arranges different types of home purchase loan programs, such as fixed-rate, adjustable-rate, FHA, and VA loans. It also helps clients refinance outstanding mortgages. In addition, it provides custom loan programs tailored to clients' needs. Its founder and CEO, J. Thomas Schuesler, has been working as a mortgage broker for 25 years. Ameristar Capital Mortgage is also a real estate broker.

License Verified:

License: 340300

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 (2)
Yelp
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
20262 Orchid Street, Newport Beach, CA 92660
  • Reverse Mortgages

Why choose this provider?

Cal Loans Direct is a mortgage company that serves customers in Huntington Beach and the nearby areas. It offers a wide variety of mortgage rate options, including adjustable ARM, fixed-rate, graduated payments, and interest-only. Additionally, this business provides loan programs such as FHA, jumbo, USDA, and VA. Cal Loans Direct's loan process includes determining how much can be borrowed, selecting a program, applying for the loan, beginning loan processing, and closing the loan. Moreover, this firm also offers reverse mortgages.

License Verified:

License: 957353

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 (21)
Yelp
5.0 / 5 (15)
Facebook
5.0 / 5 (7)

(+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

Frequently Asked Questions

  • 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.