Expertise.com

Best Mortgage Brokers in Murrieta

2023

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  • Licensing
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Website
26305 Jefferson Avenue Suite G, Murrieta, CA 92562
  • Reverse Mortgages

Why choose this provider?

Jason Welsh is an NMLS-licensed loan officer and head of Welsh Real Estate Services in Murrieta and nearby areas. He assists clients with various conventional and government loans for homeowners, home buyers, and first-time home buyers. He also helps obtain low closing costs, lower interest rates, and convert from adjustable-rate mortgages to fixed-rate mortgages through mortgage refinancing. Welsh simultaneously works as a Realtor providing buying, selling, and marketing services for commercial, investment, retail, and residential properties.

License Verified:

License: 2253305

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)

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
30070 Temecula Pkwy, Suite 201, Temecula, CA 92592
  • Refinance

Why choose this provider?

Modern Lending serves the mortgage needs of individuals and families in Murrieta. It helps clients achieve their dream residential spaces through its different types of loan programs. The agency assists customers in processing pre-approval letter requests and comparing mortgage interest terms and rates. Its team offers fixed- and adjustable-rate FHA, VA, and USDA loans. It also deals with matters related to Airbnb and bank statement loan options. President and CEO Brian Decker has been in the industry for more than a decade.

License Verified:

License: 1865339

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 (257)
Google
4.9 / 5 (167)
Facebook
5.0 / 5 (158)

(+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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
38625 Calistoga Dr., Murrieta, CA 92563
  • Reverse Mortgages

Why choose this provider?

Brad Yzermans works with Patriot Pacific Financial Corp. to provide insurance policies to Murrieta and its surrounding communities. He processes various mortgage types, including conventional, VA, FHA, reverse, jumbo, and USDA rural development loans. Also offered are HELOCs, 203k loans, and CalHERO programs for police, nurses, and firefighters. Yzermans, who has been in the industry for 15 years, is a licensed real estate broker. He focuses on educating people about interest rates, home loans, and real estate.

License Verified:

License: 315238

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.
4.6
Facebook
5.0 / 5 (38)
Google
4.5 / 5 (31)
Yelp
4.0 / 5 (20)

Website
41689 Enterprise Cir N, Ste 110, Temecula, CA 92590
  • Refinance

Why choose this provider?

HomeTown Lending offers mortgage refinancing services to the city of Murrieta. Its first priority is its devotion to helping clients obtain the best loan for their needs. It helps people refinance their mortgage to lower their monthly payments, consolidate debts, cash out for college or renovations, and eliminate PMI. Its team helps loan applications get approved and funded. HomeTown Lending’s staff is a mix of people with thought leadership and industry expertise attributes. Robert Bobleaga, its loan officer, is an NMLS-licensed mortgage broker.

License Verified:

License: 378668

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 (30)

Website
41690 Ivy Street, Murrieta, CA 92562
  • Refinance

Why choose this provider?

Ryder Mortgage Group serves Murrieta residents who are looking to invest, refinance existing loans, or purchase their first homes. Its professionals assist in securing home loan options such as USDA, VA, FHA, and jumbo. These professionals guide clients through each step of the mortgage process, from assessment and application to closing. Branch Manager Jodi Ryder has been in the industry since 2001 and is the recipient of Scotsman Guide's 2021 Top 1% of Women Originators in the U.S.

License Verified:

License: 135622

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 (49)
Facebook
4.9 / 5 (43)
Google
5.0 / 5 (42)

(+1 additional source)

Website
24910 Las Brisas, Suite 119, Murrieta, CA 92562
  • Commercial Loans
  • Refinance

Why choose this provider?

Vault Financial Mortgage Services delivers a variety of options for the residents in Murrieta. Its loan officers help first-time homebuyers choose from different financing products, such as FHA or VA loans and adjustable-rate mortgages. They guide existing mortgage borrowers in securing refinancing programs that fit their needs, like cashing out or reducing interest rates. One of these officers, Wes Hankins, has been in the industry for over 17 years and previously worked in foreclosure transactions and government agencies.

License Verified:

License: 308071

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 (128)
Zillow
5.0 / 5 (52)
Yelp
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
41197 Golden Gate Cir, Murrieta, CA 92562
  • Refinance
  • New Construction

Why choose this provider?

1st Choice Home Loans Inc. is a company that provides mortgage-related products and services to commercial and residential clients in Murrieta. Its team of loan consultants guides clients to understand concepts and recommends the appropriate loan option that best fits their financial circumstances and needs. The company offers fixed-rate, VA, FHA, and adjustable-rate loans, as well as refinancing options. 1st Choice Home Loans aims to provide its clients the flexibility to conduct comparison shopping to find competitive prices given by lending companies.

License Verified:

License: 1631472

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 (22)

Website
38625 Calistoga Drive ,, Murrieta, CA 92562
  • Refinance

Why choose this provider?

Patriot Pacific Financial Corp. is a mortgage broker that serves both low- and high-income families in Murrieta. Its NMLS- and DRE-licensed loan officers connect borrowers with lenders offering various mortgage programs, including conventional, reverse, and VA home loans. They leverage more than 113 years of combined industry experience to help clients achieve their homeownership goals. Founder Charles Vamadeva started his career in the mortgage industry in Oklahoma in the 1990s. The brokerage is a member of the National Association of Mortgage Brokers.

License Verified:

License: 1921615

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 (38)

Website
25096 Jefferson Avenue, Suite B-213, Murrieta, CA 92562
  • New Construction

Why choose this provider?

Since 1998, Larry Locke Pro-Funders, Inc., has been providing services to individuals and families in Murrieta and nearby locations. It offers a menu of mortgage options such as USDA, FHA, VA, and conventional home loans. It also helps clients refinance their current house loan for a lower interest rate or obtain cash for their home improvements and expenses. Larry Locke is a mortgage broker with over 30 years of experience in the financial services industry.

License Verified:

License: 304673

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 (52)
Yelp
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

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.