Best Mortgage Brokers in Newport Beach

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American Heritage Lending logo
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License Verified:

License: 93735

Nationwide Multistate Licensing System and Registry

American Heritage Lending

19800 MacArthur Blvd. Suite 950, Irvine, CA 92612
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Business Description

American Heritage Lending caters to the financial needs of people in Newport Beach and the surrounding areas. It specializes in helping individuals and families purchase homes, including townhouses, condos, and single-family units, using mortgage loan programs. Its products include FHA loans, which enable customers to obtain $75,000 to $970,800. The company also provides interest-only, balloon, conventional, and VA mortgages. Its team is available to resolve clients' loans declined by traditional lenders or government automated underwriting methods.

License Verified:

License: 93735

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.
4.4
Google
4.4 / 5 (41)

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
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American Heritage Lending

Americas Funding Group logo
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License Verified:

License: 1407758

Nationwide Multistate Licensing System and Registry

Americas Funding Group

20062 SW Birch St. Suite 230, Newport Beach, CA 92660
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Business Description

Americas Funding Group (AFGMTG) is a private mortgage brokerage and banker serving Newport Beach. As a full-service provider, the company renders a range of real estate financing services, from mortgage arrangement to financial consultation. It assists various clientele, including individuals and families buying their first homes, those who are upgrading, and clients considering refinancing or reverse mortgages. AFGMTG is a family-owned business that has been operating for over 20 years. It is a Freddie Mac, Fannie Mae, and Ginnie Mae direct lender.

License Verified:

License: 1407758

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
Facebook
5.0 / 5 (29)
Google
4.8 / 5 (24)
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Americas Funding Group

BankerBroker logo
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License Verified:

License: 135622

Nationwide Multistate Licensing System and Registry

BankerBroker

1 Corporate Plaza Dr #110,, Newport Beach, CA 92660
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Business Description

BankerBroker serves clients' mortgage needs throughout Newport Beach and the surrounding metros. The company offers a wide variety of home loan options from its network of local, national, and online banks, including FHA and conventional home loans, Hard Money, No Doc and Easy Doc, and bad credit mortgage programs. BankerBroker has over 350 employees worldwide, including those from throughout California. It was founded by former principals with more than a hundred years of combined experience.

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.
4.8
Facebook
4.8 / 5 (34)
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
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BankerBroker

Crystal Lending Group logo
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License Verified:

License: 1750175

Nationwide Multistate Licensing System and Registry

Crystal Lending Group

2901 West Coast Hwy Suite 200, Newport Beach, CA 92663
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Business Description

Crystal Lending Group is a Newport Beach-based company that serves the needs of residential and commercial borrowers in the metro. The business provides FHA, fixed-rate, VA, jumbo, and first-time home buyer loans. Additionally, it has low down payment purchase options, non-QM loans, and investment property programs. It also assists homeowners who want to restructure their debts or get access to cash through refinancing. Crystal Lending Group has been in the industry for 15 years. It funds its own loans, allowing it to deliver lower rates.

License Verified:

License: 1750175

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 (117)
Yelp
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
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Detail
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Crystal Lending Group

IPL Mortgage logo
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IPL Mortgage

1601 Dove St, Suite 181, Newport Beach, CA 92660
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Business Description

IPL Mortgage is a Newport Beach-based company providing a variety of loan programs for those looking to purchase or refinance a property. These programs include adjustable- and fixed-rate, balloon, conventional, VA, and FHA loans. Its professionals help home buyers determine the loan type that fits their objectives and navigate them through the application procedures. These processes involve assisting borrowers in organizing the necessary documents, qualifying for the program, obtaining loan approval, and closing the transaction.

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 (121)
Yelp
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.
5.0
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IPL Mortgage

John Farrell logo
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License Verified:

License: 374639

Nationwide Multistate Licensing System and Registry

John Farrell

510 31st Street, Unit H, Newport Beach, CA 92663
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Business Description

John Farrell is a private mortgage banker who assists clients throughout Newport Beach and the surrounding metros. He has over 20 years of experience in the real estate sector and helps clients find the right mortgage solution for their situations. He and his team offer loan options such as new construction and lot, FHA, investment property, VA, and fixed- and adjustable-rate loans. Farrell also offers refinancing assistance to help clients lower monthly payments, take out cash from their equity, or combine current debts.

License Verified:

License: 374639

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 (60)
Yelp
5.0 / 5 (59)
Facebook
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
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Detail
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John Farrell

Justin Kautz logo
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License Verified:

License: 913358

Nationwide Multistate Licensing System and Registry

Justin Kautz

32 East Coast Hwy, Corona Del Mar, CA 92625
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Business Description

Justin Kautz is a senior mortgage advisor working with Spot On Lending. He caters to borrowers in the Newport Beach community and offers personalized mortgage solutions, which include HARP, USDA, VA, FHA, and 203K loans. Kautz integrates the use of technology to create an informative transaction process backed by open communication, offering online tools like refinance analysis and mortgage calculator. He has worked with those refinancing an existing loan and people planning to purchase a property. Kautz also offers reverse and adjustable-rate mortgages.

License Verified:

License: 913358

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
5.0 / 5 (16)
Facebook
4.5 / 5 (5)
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Justin Kautz

Pacific Financial logo
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License Verified:

License: 1284822

Nationwide Multistate Licensing System and Registry

Pacific Financial

18401 Von Karman Avenue Suite 430, Irvine, CA 92612
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Business Description

Pacific Financial is a team of mortgage professionals serving the homeownership needs of the Newport Beach community. Leveraging its knowledge of the mortgage banking industry, the team assists individuals and families in applying for programs such as HELOC, reverse mortgage, and private equity funding. These professionals guide clients through the loan or refinancing process, from analysis of finances and appraisal to closing. Pacific Financial was founded in 2004 and also serves multiple states, including Florida, Arizona, and Colorado.

License Verified:

License: 1284822

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 (67)
Facebook
5.0 / 5 (31)
Yelp
4.5 / 5 (21)
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Pacific Financial

Rippon Capital logo
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License Verified:

License: 2151284

Nationwide Multistate Licensing System and Registry

Rippon Capital

2901 W Coast Hwy. Suite 200, Newport Beach, CA 92663
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Business Description

Rippon Capital is a locally operated boutique mortgage company in Newport Beach providing personalized home loan solutions to clients in the metro and the surrounding communities. It assists prospective home buyers with their pre-approval and financing needs, as well as existing homeowners planning to refinance their homes. It works closely with clients throughout the mortgage process, from understanding their home financing objectives to selecting options tailored to their lifestyle and financial circumstance and closing a transaction.

License Verified:

License: 2151284

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 (17)

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
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Rippon Capital

Save Financial logo
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License Verified:

License: 377740

Nationwide Multistate Licensing System and Registry

Save Financial

5 Upper Newport Plaza Suite 200, Newport Beach, CA 92660
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Business Description

Save Financial is a mortgage brokerage that caters to clients across the Newport Beach metro and the neighboring communities. It provides individuals with various mortgage loan options, such as purchase, long-term, bridge, and private money. It also serves clients wishing to purchase condos, townhouses, and one-to-four unit homes using no-income mortgage loans. Mortgage refinancing and commercial transaction services are also available. The brokerage's loan officers have more than 25 years of combined experience in the industry.

License Verified:

License: 377740

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 (113)
Yelp
5.0 / 5 (49)
Facebook
5.0 / 5 (1)
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Save Financial

Scott Way logo
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License Verified:

License: 287207

Nationwide Multistate Licensing System and Registry

Scott Way

2901 West Coast Hwy #200, Newport Beach, CA 92663
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Business Description

Scott Way is a full-service loan officer of Resource Financial Mortgage who serves clients in and around the Newport Beach metro. Way and his team often work with first-time home buyers, move-up and second home buyers, refinancing homeowners, and property investors in finding suitable loan programs that meet their needs. Way's previous clients have commended him for his attentiveness and patience, saying that he made the process of refinancing and purchasing property much less stressful through constant and open communication.

License Verified:

License: 287207

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 (26)
Google
5.0 / 5 (23)
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Scott Way

Tim Storm logo
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License Verified:

License: 223456

Nationwide Multistate Licensing System and Registry

Tim Storm

130 Newport Center Dr., Newport Beach, CA 92660
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Business Description

Tim Storm is a loan professional from Fairway Independent Mortgage Corporation who offers tailored financial options to clients in the greater Newport Beach metro. Storm provides brokerage services to help individuals locate the best mortgage package for their requirements. He assists borrowers in filing applications for a selection of loan programs, such as FHA, VA, jumbo, and conventional loans. Tim Storm is certified by the NMLS and has been in the lending industry for over 32 years.

License Verified:

License: 223456

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 (19)
Yelp
5.0 / 5 (19)
Facebook
5.0 / 5 (11)
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Tim Storm

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Frequently Asked Questions

Do mortgage brokers need to be licensed?

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.

Is it difficult to pass the mortgage brokers’ test?

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.

What is a surety bond for mortgage brokers?

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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