Expertise.com

2024

Last updated:

Best Mortgage Brokers in Modesto

Our Recommended Top 17

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

66Reviewed

46Curated

17Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1110 Tully Rd Ste B, Modesto, CA 95350

Expertise.com Rating

Why choose this provider?

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.

1101 Sylvan Avenue, Modesto, CA 95350
WebsiteLicense: 271603

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Review Sources

Google
5.0 (37)
Yelp
4.0 (34)
Facebook
3.0 (8)

Why choose this provider?

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.

  • Refinance

509 Scenic Dr Ste 11, Modesto, CA 95350

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Review Sources

Google
5.0 (9)

Why choose this provider?

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.

  • Refinance

319 East Main Street, Turlock, CA 95380
WebsiteLicense: 1025987

Expertise.com Rating

Review Sources

Yelp
5.0 (2)

Why choose this provider?

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.

  • New Construction
  • Refinance
  • Multi-Family Loans

1111 I Street, Modesto, CA 95354

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Review Sources

Google
5.0 (30)
Facebook
5.0 (8)

Why choose this provider?

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.

  • Refinance
  • Reverse Mortgages

515 Lyell Drive, Modesto, CA 95356
WebsiteLicense: 1194442

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Review Sources

Facebook
4.0 (100)
Google
5.0 (6)

Why choose this provider?

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.

  • Refinance

1020 15th Street, Modesto, CA 95354
WebsiteLicense: 855360

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Review Sources

Google
5.0 (59)
Facebook
5.0 (25)
Zillow
5.0 (10)

Why choose this provider?

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.

  • Refinance
  • Reverse Mortgages

1356 Mitchell Road, Modesto, CA 95351
WebsiteLicense: 1886062

Expertise.com Rating

Review Sources

Google
5.0 (65)
Facebook
5.0 (21)
Zillow
5.0 (3)

Why choose this provider?

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.

  • Refinance

1127 13th Street, Modesto, CA 95354
WebsiteLicense: 1629802

Expertise.com Rating

Review Sources

Google
4.0 (36)
Yelp
4.0 (7)
Facebook
5.0 (4)

Why choose this provider?

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.

  • Refinance

3430 Tully Road, Modesto, CA 95350
WebsiteLicense: 235659

Expertise.com Rating

Review Sources

Google
5.0 (7)
Yelp
4.0 (7)
Facebook
5.0 (3)

Why choose this provider?

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.

  • Refinance

400 12th Street, Modesto, CA 95354
WebsiteLicense: 864919

Expertise.com Rating

Review Sources

Facebook
5.0 (3)
Yelp
5.0 (3)
Google
5.0 (1)

Why choose this provider?

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.

  • Refinance

3421 Tully Road, Modesto, CA 95350
WebsiteLicense: 1475570

Expertise.com Rating

Review Sources

Google
4.0 (18)

Why choose this provider?

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.

  • Refinance

1463 Moffat Blvd Suite 1 & 2, Manteca, CA 95336
WebsiteLicense: 353587

Expertise.com Rating

Review Sources

Google
4.8 (94)
Facebook
4.9 (38)
Zillow
4.5 (8)

Why choose this provider?

Joe Villegas is a mortgage broker with Cross Country Mortgage that has been serving the Modesto metro Cross Country Mortgag since 2005. 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.

  • New Construction
  • Multi-Family Loans
  • Reverse Mortgages

220 Standiford Avenue, Modesto, CA 95350
WebsiteLicense: 1192499

Expertise.com Rating

Review Sources

Facebook
5.0 (26)
Google
4.0 (9)

Why choose this provider?

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.

  • New Construction

3439 Brookside Road, Stockton, CA 95219
WebsiteLicense: 1381620

Expertise.com Rating

Review Sources

Facebook
5.0 (59)

Why choose this provider?

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.

  • New Construction
  • Refinance

2384 Shire Way, Turlock, CA 95380
WebsiteLicense: 972285

Expertise.com Rating

Review Sources

Zillow
4.9 (57)
Facebook
5.0 (9)
Yelp
5.0 (9)

Why choose this provider?

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.

  • New Construction

44 North 3rd Street, Patterson, CA 95363

Expertise.com Rating

Review Sources

Facebook
4.8 (8)
Google
4.5 (4)

Why choose this provider?

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.

  • New Construction

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.