Expertise.com

Best Mortgage Brokers in Milpitas

2024

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Providers

Last updated:

Website
3005 Silver Creek Rd, Suite 210-214, San Jose, CA 95121
  • Reverse Mortgages

Why choose this provider?

Pacificwide Business Group Inc. is a real estate and mortgage company that assists locals in Milpitas. The company provides a variety of mortgage loan alternatives, including conventional, FHA, REFI, cash out, Freddie Mac, and reverse, as well as bank statement loan 5/1 adjustable rates. In addition, its team offers real estate-related services, including the marketing, leasing, and management of residential single-family houses, condos, office buildings, and shopping malls. Pacificwide Business Group was founded in 2009.

License Verified:

License: 320600

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
Google
4.9 / 5 (145)
Facebook
4.9 / 5 (93)
Yelp
3.5 / 5 (8)

(+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
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Website
1963 O’Toole Way, Suite 200,, San Jose, CA 95131
  • Reverse Mortgages
  • Refinance

Why choose this provider?

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 (24)
Yelp
4.5 / 5 (18)
Google
5.0 / 5 (6)

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
200 Serra Way, Ste. 44, Milpitas, CA 95035
  • Refinance

Why choose this provider?

LaChica Loans delivers mortgage solutions for buyers of residential and commercial properties in Milpitas. Headed by Lillian Lachica, its team walks buyers through the process of real estate financing. The staff assists in choosing from options such as conventional or jumbo loans and FHA or VA products backed by the government. LaChica started in the mortgage industry in 2006 as VP of Cal Coast Financial Corp. She holds a degree in industrial engineering and serves on the Hispanic Foundation.

License Verified:

License: 328441

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 (8)
Yelp
5.0 / 5 (6)

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

Why choose this provider?

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

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

Why choose this provider?

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
Zillow
4.9 / 5 (41)
Facebook
5.0 / 5 (29)
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

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

Why choose this provider?

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.
4.7
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
5201 Great America Pkwy. Suite 320, Santa Clara, CA 95054
  • Refinance

Why choose this provider?

Mobile Home Loan.com gives Milpitas clients access to its selection of mobile and manufactured home financing products. The purchase options it provides include fixed-rate mortgages and loans with low down payments. It also arranges for home refinancing so clients can enjoy a reduction in their existing monthly rates or cash out to pay high-interest debts. Mobile Home Loan.com has been in business for the past 20 years. It specializes in serving populations with average loan amounts of $100,000.

License Verified:

License: 1706701

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 (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
500 E Calaveras Blvd. #200, Milpitas, CA 95035
  • New Construction

Why choose this provider?

The mortgage brokers of Platinum Realty Group serve Milpitas residents. The company was established with the premise that every client has unique mortgage needs and goals that should be addressed with personal attention to detail and using a simplified process. It helps clients sell and buy homes, as well as obtain mortgage loans. Founder Kelly Yip-Chuan has been working as a mortgage and real estate salesperson and broker since 2012. She is a Milpitas Chamber of Commerce board member.

License Verified:

License: 1157733

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
1649 S Main Ste 107, Milpitas, CA 95035
  • Refinance
  • New Construction

Why choose this provider?

Supreme Financial Services caters to locals in Milpitas who need mortgage services. The team focuses on refinancing solutions and rearranges current obligations into more manageable forms. Some of these options include cash-out and rate-term programs. The company's choices are fit for transactions involving multi-unit homes and investment assets. Supreme Financial Services has been operating since 1987, and its very first application was written on an IBM Typewriter. Its reach extends to selected states, including Hawaii.

License Verified:

License: 256084

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)

Website
2195 Tully Road, San Jose, CA 95122
  • New Construction

Why choose this provider?

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

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.