Expertise.com

2024

Last updated:

Best Mortgage Brokers in Irvine

Our Recommended Top 18

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

68Reviewed

48Curated

18Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

26800 Aliso Viejo, Aliso Viejo, CA 92656
WebsiteLicense: 308153

Expertise.com Rating

Review Sources

Facebook
5.0 (23)
Yelp
4.0 (19)
Google
5.0 (2)

Why choose this provider?

Union Choice is a mortgage broker providing its services to clients in Irvine. The company is headed by Don Peart who brings more than 25 years of experience in the industry. He has experience in pre-approvals, refinancing, as well as commercial loans and debt consolidation. Union Choice has a mobile app that aims to streamline the mortgage process. Clients commended the company for its efficiency in processing loans and refinancing requests.

  • Refinance

1238 Puerta Del Sol, San Clemente, CA 92673
WebsiteLicense: 337919

Expertise.com Rating

Review Sources

Zillow
5.0 (63)
Yelp
5.0 (45)

Why choose this provider?

Shannon Gray is a licensed mortgage loan broker who works with clients and Realtors in Irvine and surrounding communities. Gray has more than 20 years of experience in assisting clients and Realtors in the complex mortgage process. He founded LifeSource Mortgage in 2006 that offers residential loan programs including fixed-rate mortgages, FHA loans, VA loans, refinancing, ARM, and reverse mortgages. Moreover, Gray had served as a loan officer for almost eight years before establishing his own company.

  • New Construction
  • Refinance

7545 Irvine Center Drive, Irvine, CA 92618
WebsiteLicense: 1856913

Expertise.com Rating

Review Sources

Google
5.0 (86)
Yelp
5.0 (73)
Zillow
5.0 (64)

Why choose this provider?

TrustLink Mortgage is a full-service mortgage solutions provider serving the Irvine area. The firm works with homebuyers in choosing mortgage loans akin to their needs and financial capabilities. The mortgage brokers from this company have a network of multiple lenders that can offer a variety of mortgage options, such as fixed-rate, adjustable-rate, FHA, VA, conventional, and USDA loans. They also handle jumbo, home equity, reverse, and downpayment assistance loans. The company's staff carries over 35 years of combined experience in the mortgage business.

  • Refinance

600 Anton Boulevard, Costa Mesa, CA 92626
WebsiteLicense: 23464

Expertise.com Rating

Review Sources

Yelp
5.0 (2)

Why choose this provider?

Prominent Lending Group, Inc., is a mortgage broker that serves clients in Irvine. The company offers various loan options for homeowners, homebuyers, and real estate investors, including conventional loans with Fannie Mae and Freddie Mac, FHA forward and reverse loans, jumbo loans, USDA loans, and VA loans. It also offers additional loan programs, such as debt consolidation loans, credit repair, cash-out refinancing, and HELOC. Prominent Lending Group is a privately held company that has been in the mortgage industry for more than 20 years.

  • Refinance

26800 Aliso Viejo Parkway, Aliso Viejo, CA 92656
WebsiteLicense: 167867

Expertise.com Rating

Review Sources

Yelp
4.0 (41)
Google
4.0 (9)

Why choose this provider?

Established in 1992, JMJ Financial - Aliso Viejo is a direct lending company that offers financing services to clients in Irvine who are planning to buy, refinance, sell, or build a new home. Its team of mortgage professionals assists in every phase of the home loan process. They handle origination, underwriting, closing, and property appraisals. The team also provides convenient tools and calculators that help compute how much the borrowers can afford. The loan programs available are VA, FHA, and conventional loans.

  • Refinance

3090 Bristol Street, Costa Mesa, CA 92626
WebsiteLicense: 3290

Expertise.com Rating

Review Sources

Yelp
4.5 (435)
Google
4.6 (306)

Why choose this provider?

Intelliloan is a team of mortgage professionals that serves the Irvine area. They provide personalized financing options for home buyers, which may involve FHA, VA, adjustable-rate, reverse, or 15-year fixed mortgages. Additionally, they offer refinancing assistance for homeowners who need to consolidate debt, shorten their mortgage terms, or lower their loans' interest rates. The firm's loan specialists assist clients throughout the process, from selecting suitable loan programs to closing. Intelliloan has training courses and tools to help its team grow professionally.

  • Refinance

30025 Alicia Parkway, Laguna Niguel, CA 92677
WebsiteLicense: 1020499

Expertise.com Rating

Review Sources

Yelp
5.0 (3)
Facebook
5.0 (1)

Why choose this provider?

JDR Mortgage is a full-service mortgage firm serving Irvine and the surrounding areas for more than 30 years. Its team of mortgage experts guides first-time homebuyers and refinancing homeowners through the loan process, from underwriting to appraising and closing loans. Included in its purchase loan programs are FHA, conventional, and jumbo loans while its refinancing programs include FHA streamline and cash-out, VA streamline and cash-out, conventional loan, and jumbo loan.

  • New Construction
  • Refinance

2755 Bristol Street, Costa Mesa, CA 92626
WebsiteLicense: 335381

Expertise.com Rating

Review Sources

Yelp
5.0 (28)
Google
4.0 (20)
Facebook
5.0 (2)

Why choose this provider?

Kevin Rudrud is a loan advisor under LendUS® who is dedicated to assisting home buyers in Irvine. Kevin has been in the mortgage industry since 2002 and is knowledgeable about the different processes involved in purchasing or refinancing an investment property. He has worked with clients for various home financing scenarios, including families and individuals who wish to buy their first home. Kevin Rudrud is also an active contributor to the Orangewood Children's Foundation, a non-profit organization advocating for foster youth.

  • Refinance

940 South Coast Drive, Costa Mesa, CA 92626
WebsiteLicense: 649359

Expertise.com Rating

Why choose this provider?

Headquartered in Orange County, Jumbo Lending is an independent mortgage broker company serving first-time buyers and homeowners in Irvine. It is a brand owned by W&J Financial Group Inc., a California corporation that provided around $1 billion in loans for successful clients. Jumbo Lending was founded by Todd Reisenbigler in 2003. The company has loan options for FHA, VA, interest-only, and jumbo loans. Loan options include fixed-rate and adjustable-rate mortgages. Purchase and refinance services are also covered.

  • Refinance

15615 Alton Parkway, Irvine, CA 92618
WebsiteLicense: 936436

Expertise.com Rating

Review Sources

Google
4.0 (2740)
Facebook
4.0 (172)
Yelp
4.0 (78)

Why choose this provider?

Clear Path Lending is a mortgage brokerage firm that serves Irvine and the surrounding communities. It offers fixed-rate and adjustable-rate loan options such as conventional, FHA and FHA streamline, VA, and jumbo loans. Refinancing options are also available for clients looking to lower or change their interest rates, shorten the original loan terms, or cash out from their home equity for home improvement purposes or debt reduction. Clear Path Lending has been around since 2012.

  • Refinance

600 Anton Boulevard, Costa Mesa, CA 92626
WebsiteLicense: 1141339

Expertise.com Rating

Review Sources

Yelp
5.0 (147)
Google
5.0 (15)
Facebook
5.0 (5)

Why choose this provider?

OC Mortgage Solutions is a mortgage brokerage firm that serves Irvine and the surrounding areas. It offers several loan programs such as FHA, VA, USDA, and jumbo loans. Loan options are also available at various rates such as fixed rate, adjustable ARM, interest only, and graduated payments. Clients looking to bring down their monthly payments, pay off their mortgage more quickly, or get some cash out of their home equity can also take advantage of refinancing options provided by the company.

  • Refinance

23807 Aliso Creek Road, Laguna Niguel, CA 92677
WebsiteLicense: 1089

Expertise.com Rating

Review Sources

Google
4.0 (4)
Facebook
5.0 (3)
Yelp
5.0 (3)

Why choose this provider?

Mortgage Grader is a Laguna Niguel-based mortgage company that extends its services throughout the community of Irvine. It has been serving first-time home buyers, seasoned investors, and people recovering from foreclosure for more than 25 years. It offers purchase loan programs that include HomePath, commercial, FHA, VA, and jumbo loans. Its search engines allow clients to compare and match home loans as well as provide pricing and rates. Mortgage Grader president Jeff Lazerson shares his expertise via a weekly column he writes for the Orange County Register.

  • Refinance

9891 Irvine Center Drive, Irvine, CA 92618
WebsiteLicense: 240639

Expertise.com Rating

Review Sources

Yelp
5.0 (37)
Google
4.0 (36)

Why choose this provider?

National Pacific Lending is a team of mortgage brokers based in Irvine. It provides its clients financial solutions when purchasing a home or a property, refinancing current loans, or consolidating debts. Different kinds of loan programs are also offered, such as conventional, FHA 203k, FHA, VA, and jumbo loans. In addition, the firm has more than 30 years of experience in the mortgage industry. It is committed to providing streamlined loan processes, high-quality customer service, and privacy protection for its clients.

  • New Construction

17310 Red Hill Avenue, Irvine, CA 92614
WebsiteLicense: 264661

Expertise.com Rating

Review Sources

Yelp
5.0 (15)
Google
5.0 (2)

Why choose this provider?

Founded in 1988, Kent Mortgage Corporation is a mortgage company serving Irvine and the surrounding areas. The professionals in the company carry an average of 30 years of experience in the mortgage loan business, catering to clients purchasing or refinancing their homes. The company works with an extensive network of lenders, providing clients with loan officers to analyze their financial needs and help them understand the mortgage process and various loan programs, including jumbo, reverse, fixed-rate, FHA, and VA loans.

  • Refinance
  • Reverse Mortgages

100 Spectrum Center Drive, Irvine, CA 92618
WebsiteLicense: 222264

Expertise.com Rating

Review Sources

Google
5.0 (9)
Yelp
5.0 (2)

Why choose this provider?

Established in 1990, HomeLife Mortgage is a boutique mortgage brokerage that has served homeowners in Irvine. It meets with clients and examines their background, from income to desired house type, to advise them on suitable loan options. The brokerage educates first-time homeowners and buyers about the mortgage process, such as pre-approval and refinancing. Furthermore, it caters to commercial clients such as self-employed workers, freelancers, contractors, and entrepreneurs. HomeLife Mortgage was founded by Darrin Seppinni, a longtime member of the industry and a published author.

  • Refinance

16470 Bake Parkway Suite 200, Irvine, CA 92618
WebsiteLicense: 1876959

Expertise.com Rating

Review Sources

Google
5.0 (90)
Facebook
5.0 (50)
Yelp
5.0 (12)

Why choose this provider?

True Path Loans caters to clients throughout Irvine. The company assists individuals looking to acquire homes through various mortgage solutions. These include loans guaranteed or insured by the VA and FHA. It also offers jumbo loans, a way for borrowers like first-time homebuyers and real estate investors to purchase properties in high-cost communities. It deals with other clients, like homeowners seeking to refinance their mortgages. The company's owner, Adrian Placinta, is a member of Vetted VA, an organization that educates veterans on the homebuying process.

  • Refinance

5000 Birch Street, Newport Beach, CA 92660
WebsiteLicense: 1473429

Expertise.com Rating

Review Sources

Facebook
5.0 (54)
Zillow
5.0 (23)
Yelp
5.0 (20)

Why choose this provider?

Full Circle Home Loans is a mortgage brokerage firm serving first-time homebuyers, investors, and homeowners throughout Irvine. It helps clients fund their homes by providing them with a loan program that matches their goals and needs. Loan options include conventional, FHA, VA, refinances, new construction, and jumbo loans. The team of mortgage professionals also services and secures loans for public sector workers such as police offers, teachers, military members, and veterans. Full Circle Home Loans has offices in Upland, Temecula, and New Beach.

  • Refinance

377 East Coast Highway, Newport Beach, CA 92660
WebsiteLicense: 170689

Expertise.com Rating

Review Sources

Facebook
5.0 (957)
Zillow
5.0 (7)
Google
5.0 (1)

Why choose this provider?

Leonard Acosta assists clients in the Irvine area in their mortgage needs. He offers conventional home mortgage loans that follow the guidelines of Fannie Mae and Freddie Mac. These conventional loans have either adjustable or fixed rates. Acosta's other loan programs include USDA, FHA, VA, and jumbo loans. He also handles mortgage refinancing, which helps clients extend repayment times and increase their cash flow. Acosta has more than 20 years of experience in the mortgage and finance industry.

  • 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.