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Best Mortgage Brokers in Modesto

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220 Standiford Avenue, Modesto, CA 95350
Modesto, CA 95350
  • New Construction

Ability Mortgage is a full-service lending company that has been serving Modesto and nearby areas since 1989. It assists real estate professionals, builders, and homebuyers nationwide in processing different loan options such as fixed rate, ARMs, adjustable rate, and initial fixed rate. The company's website contains a variety of information to assist clients with their program options. One of its loan officers, Ruby Magness-Hyles, has been in the home loan mortgage industry since 2004.

220 Standiford Avenue, Modesto, CA 95350
Modesto, CA 95350

Website(209) 718-7007

Show Number

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.

Online Profiles:

2 (Better)

Average Review Score:

4.7 / 5 ( Best)

Total Reviews:

35 (Best)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: --

1101 Sylvan Avenue, Modesto, CA 95350
Modesto, CA 95350
Instagram
  • Refinance

Based in Modesto, Alameda Mortgage Corp. is a mortgage broker that has been in business for 50 years. Founded in 1968, it has grown its business to include a selection of various home loans, including fixed-rate mortgages, FHA loans, VA loans, and USDA loans provided through Rural Housing Services. It also offers down payment assistance and adjustable-rate mortgages to first-time and experienced home buyers. Additionally, jumbo loans are available for those with excellent credit and reserves.

1101 Sylvan Avenue, Modesto, CA 95350
Modesto, CA 95350

InstagramWebsite(209) 568-4940

Show Number

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.

Online Profiles:

3 (Best)

Average Review Score:

4.4 / 5 ( Best)

Total Reviews:

79 (Best)

Score Consistency:

Consistent (Best)

622 Moonbeam Way, Turlock, CA 95382
Turlock, CA 95382
  • Multi-Family Loans
  • Refinance

Albert Khamis is a licensed mortgage broker that offers home financing and refinancing solutions to clients in the Modesto metro. Albert owns and manages Golden Valley Mortgages, an independent brokerage that crafts personalized solutions for homebuyers and homeowners. Some of its loan programs include conventional loans, fixed-rate mortgages, adjustable-rate mortgages, as well as government loans. He also helps clients who are looking to refinance their current mortgage plans, as well as first-time homebuyers needing help for downpayments.

622 Moonbeam Way, Turlock, CA 95382
Turlock, CA 95382

Website(209) 427-9410

Show Number

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.

Online Profiles:

1 (Good)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

14 (Better)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

515 Lyell Drive, Modesto, CA 95356
Modesto, CA 95356
Instagram
  • Refinance

American Pacific Mortgage has a branch in Modesto. Lead by Rick Hall, the mortgage brokerage caters to individuals, families, and communities seeking home financing. It offers programs for first-time homebuying, new investor property, and home construction. These programs include conventional, jumbo, FHA, VA, and reverse mortgages. American Pacific Mortgage accommodates out-of-the-box solutions through its specialty loans program as well as rural homeownership through its USDA program. The company has been in business since 1996 and has over 200 branches nationwide.

515 Lyell Drive, Modesto, CA 95356
Modesto, CA 95356

InstagramWebsite(209) 529-7262

Show Number

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.

Online Profiles:

2 (Better)

Average Review Score:

4.1 / 5 ( Best)

Total Reviews:

106 (Best)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

3439 Brookside Road, Stockton, CA 95219
Stockton, CA 95219
  • New Construction
  • Refinance

Big Valley Mortgage Stockton is a full-service local lender that has been providing services to Modesto residents since 1990. It offers different types of loan programs including, FHA, FHA 203(k) streamlined, USDA loans, CalHFA, VA loans, and reverse mortgages. The company also provides two types of loans, fixed-rate and adjustable-rate. Big Valley Mortgage launched its parent company, American Pacific Mortgage Corporation, in 1997. The company also delivers services to Elk Grove, Fresno, Reno, Roseville, and Sacramento.

3439 Brookside Road, Stockton, CA 95219
Stockton, CA 95219

Website(209) 289-0169

Show Number

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.

Online Profiles:

1 (Good)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

59 (Best)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

3430 Tully Road, Modesto, CA 95350
Modesto, CA 95350
  • Refinance

Carrollton Mortgage is a family-owned and family-operated brokerage company serving clients in Modesto and nearby areas. Founded in 1989, it provides mortgage services and guides clients through the entire application, from finding loan options and underwriting to funding and closing. The firm offers real estate loan products for new home purchases and refinancing. These include conventional, jumbo, FHA, VA, farm, and private loans. Reverse mortgages are also available. Carrollton Mortgage is an Equal Housing Lender.

3430 Tully Road, Modesto, CA 95350
Modesto, CA 95350

Website(888) 730-5200

Show Number

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.

Online Profiles:

4 (Best)

Average Review Score:

4.7 / 5 ( Best)

Total Reviews:

20 (Better)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

44 North 3rd Street, Patterson, CA 95363
Patterson, CA 95363
  • New Construction

Greg Nunes Realty is an independent real estate brokerage in Patterson that offers mortgage solutions to clients in the Modesto metro. The company was founded in 2004 by Greg Nunes, a third-generation farmer for over 45 years and a real estate broker since 2004. Some of the company's services include real estate closings, property buys and sells, listings, open houses, and rental property management. Greg's team comprises real estate professionals and property managers who are members of the National Association of Realtors.

44 North 3rd Street, Patterson, CA 95363
Patterson, CA 95363

Website(209) 892-2000

Show Number

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.

Online Profiles:

2 (Better)

Average Review Score:

4.7 / 5 ( Best)

Total Reviews:

12 (Better)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

2384 Shire Way, Turlock, CA 95380
Turlock, CA 95380
  • New Construction

Hano Yadegar works for Paramount Residential Mortgage Group, Inc. The mortgage broker assists the residents of Modesto in finding appropriate home purchase or refinance solutions. He offers assistance in the pre-qualification and application phases and provides comparative mortgage quotes to help clients decide. His services include access to various loan options, such as VA, USDA, and FHA loans, and 30-year fixed mortgages. A mortgage specialist since 2004, Hano enjoys working with numbers to help achieve borrowers' homeownership goals.

2384 Shire Way, Turlock, CA 95380
Turlock, CA 95380

Website(209) 345-0349

Show Number

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.

Online Profiles:

3 (Best)

Average Review Score:

4.9 / 5 ( Best)

Total Reviews:

75 (Best)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

3421 Tully Road, Modesto, CA 95350
Modesto, CA 95350
  • Refinance

Founded in 2011, IMS Lending is a mortgage services company that serves residential and commercial clients in Modesto and its surrounding cities. The company offers a wide array of mortgage products and services, including FHA loans, fixed-rate mortgage plans, VA loans, and investment property loans. Professional loan officers at IMS Lending may define a client's financial eligibility, construct relevant ratios and metrics, and create debt repayment programs. IMS Lending also offers refinancing programs to its clients.

3421 Tully Road, Modesto, CA 95350
Modesto, CA 95350

Website(877) 414-5050

Show Number

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.

Online Profiles:

1 (Good)

Average Review Score:

4 / 5 ( Best)

Total Reviews:

18 (Better)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: --

400 12th Street, Modesto, CA 95354
Modesto, CA 95354
  • Refinance

JLV Realty and Mortgage is a full-service real estate mortgage brokerage firm serving clients in Modesto and surrounding areas. It provides a variety of loan programs for clients who want to buy, refinance, or sell a home. Additionally, clients can buy and sell real estate properties directly with JLV Realty and Mortgage. The company's website has a mortgage calculator and a property search option to help clients decide. Its founder Jose L Valencia has been in the real estate industry since 2003.

400 12th Street, Modesto, CA 95354
Modesto, CA 95354

Website(209) 678-3897

Show Number

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.

Online Profiles:

3 (Best)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

7 (Good)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

160 North Grant Avenue, Manteca, CA 95336
Manteca, CA 95336
  • New Construction
  • Multi-Family Loans
  • Reverse Mortgages

Joe Villegas is a mortgage broker with Caliber Home Loans that has been serving the Modesto metro since 1995. Villegas' group focuses on providing its clientele with a multitude of options when it comes to mortgage and financing, including jumbo, conventional, down payment assistance programs, and government-backed mortgages like VA, FHA, and USDA. He primarily offers home loan consultations and assistance in selecting the appropriate financial solution for families or individuals. He also aims to ensure that each homeowner's dream house is fulfilled.

160 North Grant Avenue, Manteca, CA 95336
Manteca, CA 95336

Website(408) 466-0959

Show Number

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.

Online Profiles:

4 (Best)

Average Review Score:

4 / 5 ( Best)

Total Reviews:

82 (Best)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

319 East Main Street, Turlock, CA 95380
Turlock, CA 95380
  • New Construction
  • Refinance
  • Multi-Family Loans

Cornerstone Mortgage is a mortgage bank established in 2008 by Jose Perez. Working as a loan originator, Perez assists borrowers in acquiring loans for their properties. He offers help in a range of loan options including FHA loans, VA loans, USDA loans, and reverse mortgages. He also guides residential owners through the refinancing process to help them cash out money for renovation projects or for settling financial issues. Perez has been working in the mortgage industry since 2002.

319 East Main Street, Turlock, CA 95380
Turlock, CA 95380

Website(209) 578-9000

Show Number

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.

Online Profiles:

1 (Good)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

2 (Good)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

1356 Mitchell Road, Modesto, CA 95351
Modesto, CA 95351
Instagram
  • Refinance

Lending Assets is a mortgage company that serves clients in Modesto. The company offers a variety of loan options for borrowers, including FHA home loans, VA home loans, jumbo loans, conventional mortgage loans, USDA home loans, and adjustable-rate mortgage loans. Its mortgage loan originators are familiar with how lenders judge the credit scores of borrowers, private mortgage insurance, mortgage refinance timing, and the documents needed to prepare a mortgage loan application. The company was established in 2016.

1356 Mitchell Road, Modesto, CA 95351
Modesto, CA 95351

InstagramWebsite(209) 900-1994

Show Number

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.

Online Profiles:

4 (Best)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

90 (Best)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

1020 15th Street, Modesto, CA 95354
Modesto, CA 95354
  • Refinance
  • Reverse Mortgages

Lending For Living is a mortgage lending firm serving clients in Modesto. The firm works with clients purchasing, selling, refinancing, or building their homes by providing a wide range of loan options, including reverse, USDA, FHA, and VA loans, in addition to 15-year and 30-year fixed-rate mortgages. Its loan officers assist clients throughout the process, from analyzing to closing their loans. Moreover, the company's website provides calculators and tools, such as refinance analysis, payment calculator, and home value estimate. The firm was founded in 2011.

1020 15th Street, Modesto, CA 95354
Modesto, CA 95354

Website(209) 846-9270

Show Number

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.

Online Profiles:

4 (Best)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

95 (Best)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: --

1127 13th Street, Modesto, CA 95354
Modesto, CA 95354
Instagram
  • Refinance

NorCal Mortgage is a team of brokers who serves homebuyers in the Modesto area. They help clients secure different types of home loans, from 203K, HARP, USDA, VA, and jumbo to reverse mortgages. The financing professionals also offer 15-year and 30-year fixed loans. In addition, they provide refinancing assistance and analysis for clients looking into retrieving funds from their home equity. They also make available online resources that help clients compare mortgage rates and terms. NorCal Mortgage leans on the knowledge and expertise of its team headed by company president Chris Johnson.

1127 13th Street, Modesto, CA 95354
Modesto, CA 95354

InstagramWebsite(209) 521-7475

Show Number

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.

Online Profiles:

3 (Best)

Average Review Score:

4.1 / 5 ( Best)

Total Reviews:

47 (Best)

Score Consistency:

Consistent (Best)

509 Scenic Dr Ste 11, Modesto, CA 95350
Modesto, CA 95350
  • Refinance

S/L Mortgage caters to home buyers in the Modesto metro and the surrounding communities. It helps clients achieve their dream properties through its wide range of loan programs. The company offers jumbo, FHA, VA, and USDA loans. It also provides fixed-rate, interest-only, graduated payment, and adjustable ARM mortgage rate options. In addition, its specialists assist individuals in refinancing their single-family and multi-family homes, townhouses, manufactured homes, and condominiums. S/L Mortgage is an Equal Housing Lender.

509 Scenic Dr Ste 11, Modesto, CA 95350
Modesto, CA 95350

Website(209) 602-2109

Show Number

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.

Online Profiles:

2 (Better)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

15 (Better)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

1110 Tully Rd Ste B, Modesto, CA 95350
Modesto, CA 95350
Instagram

SJ Morgan provides mortgage services to clients in the Modesto metro and the surrounding areas. Its brokers connect lenders and borrowers by understanding their investment needs and interests. It also assists individuals who wish to purchase real estate properties with the help of mortgage loans. The company's owner, Sonya Morgan, brings over 17 years of experience in the lending and real estate field. SJ Morgan also caters to clients requiring assistance with their flipping funds.

1110 Tully Rd Ste B, Modesto, CA 95350
Modesto, CA 95350

InstagramWebsite(209) 576-0131

Show Number

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

1101 Sylvan Avenue, Modesto, CA 95350
Modesto, CA 95350
  • New Construction
  • Refinance

Taylor Mortgage Co. is a locally owned mortgage brokerage company in Modesto. It offers mortgage lending services to first-time homeowners or those who are looking for refinancing options. Its loan products include FHA loans, VA loans, conventional loans, jumbo loans, and reverse mortgages. The company's founder, Jim Taylor, is a member of the Modesto business community and is a Navy veteran who served in Vietnam. Together with Cassidy Spencer and Linda Barrett, both licensed and experienced brokers, Taylor runs Taylor Mortgage Co.

1101 Sylvan Avenue, Modesto, CA 95350
Modesto, CA 95350

Website(209) 577-8000

Show Number

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.

Online Profiles:

1 (Good)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

1 (Good)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

1111 I Street, Modesto, CA 95354
Modesto, CA 95354
Instagram
  • Refinance
  • Reverse Mortgages

The Mortgage Guys has been serving clients in Modesto and the surrounding areas since 2013. It offers residential mortgages and financing for FHA and VA loans. The company also provides pre-qualification and consultation services. In addition, it assists with refinancing with home value estimates and a complete analysis of a client’s current payment terms. The Mortgage Guys is composed of 50 loan officers who have closed over $10 billion worth of transactions in its years of service.

1111 I Street, Modesto, CA 95354
Modesto, CA 95354

InstagramWebsite(626) 709-6141

Show Number

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.

Online Profiles:

2 (Better)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

9 (Good)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

Frequently Asked Questions:

Q: Do mortgage brokers need to be licensed?
A: 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.
Q: Is it difficult to pass the mortgage brokers’ test?
A: 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.
Q: What is a surety bond for mortgage brokers?
A: 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.

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