Expertise.com

Best Mortgage Brokers in Lancaster

2024

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Providers

Last updated:

Website
190 Sierra Court, Palmdale, CA 93550
  • Refinance

Why choose this provider?

M.C.R. Financial Services, Inc., is a mortgage company that provides financing services to both inexperienced and seasoned property investors from all over the Lancaster area. It offers renovation, jumbo, VA, and USDA loans as well as mortgage refinancing services. With its team of skilled professionals, the company has added flexibility to its loan products by offering custom-made options to fit each client's unique requirements. It also assists loan applicants with low FICO scores and walks them through the whole loan process.

License Verified:

License: 1822435

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
Facebook
5.0 / 5 (4)
Yelp
3.0 / 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
530 Commerce Avenue, Palmdale, CA 93551
  • New Construction
  • Refinance
  • Commercial Loans

Why choose this provider?

All American Financial Services offers mortgage solutions to homebuyers in the Lancaster metro. The company offers different residential lending options, such as conventional, FHA, and VA loans. It also assists homeowners in refinancing their mortgage, whether they seek to change their current rate and terms or cash out their home equity. All American Financial Services has been in operation since 1990. Its founder, Slade Lohman, is also a licensed real estate broker.

License Verified:

License: 276140

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.
3.8
Google
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
536 East Palmdale Boulevard, Palmdale, CA 93550
  • Refinance
  • Reverse Mortgages

Why choose this provider?

Financial Independence Mortgage is a mortgage brokerage firm that has been serving the residents of Lancaster for more than 30 years. It specializes in arranging home mortgage programs, such as Fannie Mae and Freddie Mac loans, VA loans, FHA loans, and USDA loans. President Dean Henderson is a certified residential mortgage specialist and a certified credit specialist by the National Association of Mortgage Brokers. He is also a mortgage broker for the Homes For Heroes Housing program.

License Verified:

License: 233853

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 (4)
Yelp
5.0 / 5 (2)
Zillow
5.0 / 5 (1)

Website
1113 West Avenue M-4, Palmdale, CA 93551
  • Refinance
  • Purchase Transactions

Why choose this provider?

Gabriella Godde is the founder and owner of The California Mortgage Girl, a mortgage lending company serving Lancaster and surrounding areas. As a lending expert for more than 20 years, she works with clients looking to purchase a home or refinance an existing mortgage. Whether the property is a single-family home, condominium, townhouse, or manufactured home, Gabriella Godde offers various mortgage options such as Conventional, FHA, and VA loans and loans from CalHFA, Teacher Program, and Down Payment Assistance.

License Verified:

License: 262012

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.
4.1
Google
4.0 / 5 (17)
Yelp
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
1055 West Avenue M, Palmdale, CA 93551
  • Refinance

Why choose this provider?

Jessie Vazquez Mortgage Loan Officer is a mortgage broker that caters to individuals in the Lancaster area in California. Jessie Vazquez, the company owner, helps homebuyers and owners secure the property that they desire by walking them through the loan process. He also guides clients as they aim for long-term goals. Previous customers have mentioned how truthful and invested Vazquez was when they worked with him. He is also admired for his attentiveness and hard work.

License Verified:

License: 1007340

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)
Yelp
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
1113 West Avenue M-4, Palmdale, CA 93551
  • Multi-Family Loans
  • Refinance
  • Purchase
  • Reverse Mortgages

Why choose this provider?

TrueDirection Lending is a mortgage brokerage firm serving clients in Lancaster and nearby towns and cities. It specializes in VA, FHA, USDA, jumbo, and conventional loans. In addition, it also accommodates borrowers looking to refinance a loan or obtain reverse mortgages, investor loans, and high debt-to-income ratio loans. The company's mortgage broker, Andrea Perovich, has more than 20 years of industry experience. She has in-depth knowledge of mortgage markets, industry trends, and new loan programs.

License Verified:

License: 1273598

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 (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
1401 West Rancho Vista Boulevard, Palmdale, CA 93551
  • Refinance

Why choose this provider?

Alameda Mortgage Corp. has been serving the home financing needs of Lancaster since its foundation in 1968. Whether a client is getting a loan for a new home purchase or refinancing, the team aims to provide loan programs tailored to the borrower's homeownership goals. It offers home loan options such as FHA, VA, USDA, jumbo, fixed-rate, and adjustable-rate mortgages. The company also uses an online portal where customers can upload documents, sign disclosures, and check loan updates.

License Verified:

License: 1690818

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 (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
38750 Trade Center Drive, Palmdale, CA 93551
  • New Construction
  • Refinance

Why choose this provider?

Albert Aimer is the assistant manager of High Tech Lending, an FHA-approved mortgage bank. He serves the financing needs of investors within the Lancaster metro and its surrounding areas. Some of the services he offers include VA, USDA, conventional, and jumbo loans. Aimer's team incorporates paperless loan processes with automated underwriting, which allows collaboration between the company and its clients at the point of sale. The services offered by his company can also be accessed remotely.

License Verified:

License: 295837

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
Google
4.0 / 5 (52)
Yelp
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.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
1043 W Avenue M4 Suite D, Palmdale, CA 93551
  • Refinance
  • Reverse Mortgages

Why choose this provider?

Choice Lending Corp. - Palmdale/Lancaster is a team of loan specialists that provides various financing options for both first-time homebuyers and experienced investors. They offer a number of loan programs, including USDA rural housing, conventional fixed-rate, VA, and FHA mortgages. The home loan professionals streamline the purchasing process and customize packages according to clients' specific needs. Bob Hughes, one of Choice Lending's senior loan advisors, has been working in the mortgage industry for over four decades.

License Verified:

License: 236563

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
Facebook
4.0 / 5 (8)
Google
5.0 / 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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
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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.