Expertise.com
2024

Last updated:

Best Mortgage Brokers in Mountain View

Our Recommended Top 8

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

27

Reviewed

19

Curated

8

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
95 First Street, Suite #120, Los Altos, CA 94022
  • Refinance

Why choose this provider?

Broker One Mortgage is a full-service brokerage firm that serves individual homebuyers, real estate professionals, and builders in Mountain View and other areas in California. Its team can help with 30-year and 15-year fixed-rate mortgages. It also offers adjustable-rate mortgages in a variety of terms, including 2/1 buy-down mortgages, annual or monthly ARMs, and 3/1, 5/1, or 7/1 ARMs. The firm works with clients' real estate agents, credit agencies, and attorneys. Broker One Mortgage has been in business for more than three decades.

License Verified:

License: 222424

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

Why choose this provider?

Eric Garnicki is a senior mortgage advisor at C2 Financial Corporation, serving the residents of Mountain View. Eric offers a wide array of mortgage options, including VA, first-time homebuyer, renovation, and refinancing loans. He also works with self-employed homebuyers and senior homeowners wanting to take advantage of a reverse mortgage. Eric understands that home buying is also a platform to build better futures. He takes the time to discuss how mortgages work and provide clients with resources to help them benefit from homeownership.

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
Yelp
5.0 / 5 (144)
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
167 N White Rd, San Jose, CA 95127
  • Refinance

Why choose this provider?

Man Nguyen, MSEE, is a loan officer and home mortgage broker who serves customers in Mountain View. He offers multiple types of common loans, including conventional, jumbo, bank statement, investor flex, FHA, and HELOC. He also provides conforming loans and Fannie Mae and Freddie Mac loans. He handles purchases, refinance, and investment transactions. Nguyen is affiliated with Realtheon Home Mortgage Loans and has closed over 200 mortgage and real estate transactions since he started in 2003.

License Verified:

License: 445911

Nationwide Multistate Licensing System and Registry

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
2799 Middlefield Rd, Palo Alto, CA 94301
  • Refinance

Why choose this provider?

University Investments has been in the real estate financing industry since 1993. Its mortgage brokers serve locals in the Mountain View area, offering a variety of purchase, refinance, and equity loans. It is also an investment tracking firm, analyzing loans in relation to the market and providing clients with information on the proper timing for new mortgage or refinancing programs. Since its inception, University Investments has facilitated the funding of over seven billion dollars worth of loans.

License Verified:

License: 312162

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.
4.0
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
1155 Meridian Avenue #100, San Jose, CA 95125
  • Refinance

Why choose this provider?

Since 2017, SnapFi has been dealing with Mountain View clients. The company works with aspiring homeowners and provides a range of loan options, from FHA to VA mortgages. It offers an e-book titled "The Down Payment Dilemma" to educate clients on programs that help them obtain housing with minimal down payments. The company also sets up a cash-out refinance program that allows borrowers to fund kitchen or backyard remodeling projects. Its founder, Jim Campagna, is the former CEO of the San Jose-based firm Plaza Loans.

License Verified:

License: 216565

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
Zillow
4.9 / 5 (186)
Yelp
5.0 / 5 (64)
Google
4.2 / 5 (30)

Website
900 E Hamilton Avenue Suite 100, Campbell, CA 95008
  • Refinance

Why choose this provider?

O2 Mortgage provides services to homeowners and buyers across Mountain View and the surrounding areas. The company specializes in helping individuals apply for mortgage loan programs suitable for their home purchasing needs and down payment budget. Its branch manager, David Setti, has been recognized by the Scotsman Guide as one of the top loan originators. O2 Mortgage is also licensed to provide lending services across various states, including Washington, Arizona, Colorado, Kansas, Idaho, and Texas.

License Verified:

License: 225953

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 (28)
Google
5.0 / 5 (24)

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
1625 The Alameda Suite 401, San Jose, CA 95126
  • Refinance
  • New Construction

Why choose this provider?

Mortgage Magic has a varied selection of tailored loan programs that cover the financial undertakings of Mountain View-based clients. Its agents possess an average of more than 10 years of experience in funding property purchases and debt payments using different loan programs. Their roster includes a processing staff that oversees Fannie Mae and Freddie Mac applications and identifies program changes to expedite transactions for clients. For its services, the firm was previously given accolades by the local Chamber of Commerce and the Salvation Army.

License Verified:

License: 331340

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
Yelp
4.5 / 5 (21)
Google
5.0 / 5 (20)
Zillow
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
1288 Kifer Rd, Sunnyvale, CA 94086
  • New Construction

Why choose this provider?

Hong Hu Mortgage Professional is a mortgage loan officer providing his services to homeowners and buyers in Mountain View. He assists clients in applying for a variety of mortgage plans, including fixed-rate, adjustable-rate, conforming, non-conforming, balloon, and reverse loans. He also offers investment properties, home loan guarantee programs, cash-out refinancing, and conventional loans. Other loan programs include FHA, VA, USDA, jumbo, and rehab FHA 203K. Hong has more than 11 years of experience in the industry.

License Verified:

License: 1363372

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 (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.
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.