Best Mortgage Brokers in Milpitas

Laurels
Laurels

We did the research for you!

Learn more
  • checkboxLicensing
  • checkboxUser Reviews
  • checkboxMystery Shopping Calls

Mortgage Brokers FAQs

Learn more
Access Mortgage logo
Visit WebsiteWebsite

License Verified:

License: 341756

Nationwide Multistate Licensing System and Registry

Access Mortgage

1900 McCarthy Blvd. Suite 100, Milpitas, CA 95035
Visit WebsiteWebsite
  • Refinance

Business Description

Access Mortgage has been addressing clients' financial needs in and around Milpitas since 1989. It partners with more than 20 lenders to help customers looking to purchase single-family or multifamily units, condominiums, or townhouses secure the loan program that matches their needs. Its lending options include jumbo, FHA, VA, and reverse mortgage loans. The company also assists homeowners who want to take cash out of their home equity or refinance their outstanding loans to lower their interest rates and monthly payments.

License Verified:

License: 341756

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

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
Eric Garnicki logo
Visit WebsiteWebsite

License Verified:

License: 363191

Nationwide Multistate Licensing System and Registry

Eric Garnicki

1250 Aviation Avenue Suite 200Q, San Jose, CA 95110
Visit WebsiteWebsite
  • Refinance

Business Description

Eric Garnicki assists individuals and families in Milpitas to achieve their homeownership dreams. He primarily serves first-time homebuyers, CPAs, and self-employed clients who wish to refinance or buy a home. Eric works as a senior mortgage advisor for C2 Financial Corporation, which provides loans to veterans and customers looking to upgrade their homes. In addition, the company helps senior homeowners aged 62 and up use their home equity to pay off taxes and health insurance.

License Verified:

License: 363191

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 (27)
Google
5.0 / 5 (9)

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Excel Realty & Mortgage logo
Visit WebsiteWebsite

License Verified:

License: 667492

Nationwide Multistate Licensing System and Registry

Excel Realty & Mortgage

7031 Koll Center Pkwy Suite 190,, Pleasanton, CA 94566
Visit WebsiteWebsite
  • New Construction

Business Description

Excel Realty & Mortgage serves first-time home buyers in Milpitas. As a real estate and mortgage company, it guides clients through every step of the home purchasing process, from locating a home with amenities and features that match an individual's needs to finding suitable funding programs. It simplifies the process by providing tools such as a monthly payment calculator for computing payment and amortization schedules, a loan comparison calculator for comparing terms, and a mortgage tax savings calculator for estimating tax savings.

License Verified:

License: 667492

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
4.7 / 5 (14)

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Loan Factory logo
Visit WebsiteWebsite

License Verified:

License: 320775

Nationwide Multistate Licensing System and Registry

Loan Factory

2195 Tully Road, San Jose, CA 95122
Visit WebsiteWebsite
  • New Construction

Business Description

Loan Factory accommodates first-time homebuyers and seasoned veterans in Milpitas and its surrounding communities. The business offers different mortgage programs, such as VA, conventional, and FHA. It compares rates and shops loan products from 39 lenders, including Flagstar Bank, Plaza Home Mortgage, Inc., Planet Home Lending, and The Loan Store. It has closed more than 20,000 loans and helped over 27,000 clients purchase and sell various properties, like single-family residences. Loan Factory is also licensed to assist the residents of Colorado and New Mexico.

License Verified:

License: 320775

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
Facebook
5.0 / 5 (199)
Yelp
4.5 / 5 (108)
Google
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Morgan Real Estate & Financial logo
Visit WebsiteWebsite

License Verified:

License: 1042844

Nationwide Multistate Licensing System and Registry

Morgan Real Estate & Financial

2051 Junction Ave. #237, San Jose, CA 95131
Visit WebsiteWebsite
  • New Construction

Business Description

Morgan Real Estate & Financial caters to clients in Milpitas. Its team of real estate and mortgage consultants helps homeowners, real estate investors, and residential property buyers apply for mortgage programs, including jumbo, high balance, and conforming loans. It also allows clients to choose 15- to 30-year fixed-rate or five- to seven-year adjustable-rate mortgages. In addition, the company assists individuals in buying and selling their residential properties. It has been operating for more than 10 years.

License Verified:

License: 1042844

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.
4.9
Google
4.9 / 5 (34)

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Nationwide Mortgage logo
Visit WebsiteWebsite

License Verified:

License: 32417

Nationwide Multistate Licensing System and Registry

Nationwide Mortgage

1963 O’Toole Way, Suite 200,, San Jose, CA 95131
Visit WebsiteWebsite
  • Reverse Mortgages
  • Refinance

Business Description

For more than two decades, Nationwide Mortgage has been providing home financing solutions to clients looking to own a home in Milpitas and neighboring communities. Its team of mortgage brokers offers various primary residence loan programs, including conventional, jumbo, FHA, VA, non-prime, and reverse mortgages, to cater to first-time homebuyers, seasoned real estate investors, and those looking for refinancing. Nationwide Mortgage works with different types of clients, including those who have credit, down payment, equity, and income challenges.

License Verified:

License: 32417

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
Facebook
5.0 / 5 (21)
Yelp
4.5 / 5 (16)

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
Nicolas Mortgage & Financial Services logo
Visit WebsiteWebsite

License Verified:

License: 1371942

Nationwide Multistate Licensing System and Registry

Nicolas Mortgage & Financial Services

16 Corning Avenue, Suite 230, Milpitas, CA 95035
Visit WebsiteWebsite
  • New Construction

Business Description

Nicolas Mortgage & Financial Services is an independent lending firm serving the community since 1996. It caters to customers in Milpitas, offering an extensive selection of mortgage options, including FHA and 15- to 30-year fixed loans. Its jumbo loan options suit clients looking for a program ranging from $400,000 to $600,000 in funds. The firm also serves customers looking to refinance their loans to consolidate their debt, lower their payments, and obtain funds for their homes.

License Verified:

License: 1371942

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
Summit Mortgage Bankers, Inc. logo
Visit WebsiteWebsite

License Verified:

License: 1492897

Nationwide Multistate Licensing System and Registry

Summit Mortgage Bankers, Inc.

1762 Technology Drive, Suite 224, San Jose, CA 95110
Visit WebsiteWebsite
  • New Construction
  • Refinance

Business Description

Summit Mortgage Bankers, Inc., has been serving people in Milpitas and the surrounding communities since 1992. It offers conventional, FHA, VA, and reverse mortgage loans. It customizes a variety of loan options, including fixed-rate, adjustable-rate, interest-only, and hybrid mortgages. It also assists those who require mortgage refinance, debt consolidation, and home equity loans. The process involves determining the loan amount, selecting the appropriate program, and processing and closing the transaction. The full-service mortgage company also caters to clients in New Jersey and New York.

License Verified:

License: 1492897

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
Back to Providers

Frequently Asked Questions

Do mortgage brokers need to be licensed?

Yes, all mortgage brokers need to be licensed. Individuals need to complete a 20-hour class that goes over state and federal laws for mortgages and other important information. Next, individuals take the official test with the National Mortgage Licensure System.

Is it difficult to pass the mortgage brokers’ test?

Upon completion of educational requirements, you must pass the mortgage broker test to receive your license. It's a two-part test called the Safe Mortgage Loan Originator Exam, and it can be a bit challenging. Out of almost 87,600 national test-takers, 57% passed on their first attempt. The test includes both a state and national portion and requires a minimum score of 75% to pass.

What is a surety bond for mortgage brokers?

A surety bond is a legal contract that binds three parties — the obligee, the principal, and the surety. Surety bonds are typically required to receive a license for operating as a mortgage broker. When a mortgage broker gets a surety bond, it's a legal guarantee they'll perform their obligations to their customers as required by law.

Read All FAQS