Expertise.com

2024

Last updated:

Best Mortgage Brokers in Oakland

Our Recommended Top 21

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

118Reviewed

79Curated

21Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

883 Sneath Ln, Suite 227, San Bruno, CA 94066
WebsiteLicense: 1499621

Expertise.com Rating

Review Sources

Facebook
5.0 (29)
Google
4.6 (28)
Yelp
1.0 (1)

Why choose this provider?

Presto Home Loans comprises mortgage brokers who cater to Oakland clients. They offer various home options, including adjustable- and fixed-rate mortgages and FHA loans. The company’s staff members are experienced in handling Jumbo, conforming, and Super Jumbo mortgages. The company processes balloon, investor, buy down, and non-conventional loans. It employs state-of-the-art technologies to facilitate and inform its mortgage advice business. Presto Home Loans’ administrators and brokers have several years of experience working under major lenders.

  • Mortgage
  • Conventional Loans
  • Mortgage Loans
  • FHA and VA mortgages
  • First time buyers
  • Mortgage Brokers

Oakland, CA

Expertise.com Rating

Why choose this provider?

Need help contacting a Mortgage Broker in Oakland? Call our Concierge team at 848-Book-Pro (848-266-5776 from 6 am - 4 pm PT | Mon - Fri). They are standing by to help you get the service you need.

1901 Harrison Street, Oakland, CA 94612
WebsiteLicense: 314171

Expertise.com Rating

Review Sources

Yelp
5.0 (210)
Zillow
5.0 (45)
Google
5.0 (2)

Why choose this provider?

Brenda Wyatt is an Oakland-based loan officer and mortgage advisor with All California Mortgage. Her experience in the industry spans 20 years. She has been a top producer in real estate for eight consecutive years, with an educational background in finance. She assists clients through the mortgage process, including approvals, negotiations with lenders, and evaluating loan programs. Clients praise Wyatt for her responsiveness and ability to navigate the changing market to provide them with competitive rates.

  • Refinance

4811 Telegraph Avenue, Oakland, CA 94609
WebsiteLicense: 244388

Expertise.com Rating

Review Sources

Google
5.0 (70)
Yelp
5.0 (27)
Facebook
5.0 (11)

Why choose this provider?

Vic Joshi is an independent mortgage consultant affiliated with C2 Financial Corp. Operating in and around Oakland, Vic has over 20 years of experience assisting clients in choosing loan products suited to their needs. He also works to educate clients on how the loan process works through the information available on his website. Being affiliated with C2 Financial Corp., Vic can connect clients with over 100 lenders partnered with the company. Vic Joshi is a NAMB-certified veterans lending specialist.

  • New Construction
  • Refinance

Oakland, CA
WebsiteLicense: 1951574

Expertise.com Rating

Review Sources

Google
5.0 (597)
Facebook
5.0 (91)
Zillow
5.0 (73)

Why choose this provider?

Agave Home Loans serves first-time homebuyers in Oakland. It guides clients in choosing loan options suitable to their needs and circumstances like FHA, VA, conventional, and non-qualifying mortgages. It assists individuals in navigating the loan process with hundreds of loan providers. The company's agents deal with the processing of loan documents as they strive to deliver results in a few hours. COO of the firm, Doug Wang, has over seven years of experience in the mortgage industry.

  • Refinance

6500 Fairmount Avenue, El Cerrito, CA 94530
WebsiteLicense: 1220177

Expertise.com Rating

Review Sources

Yelp
4.5 (27)

Why choose this provider?

Chris Mason is an independent mortgage broker that has been serving clients in Oakland, El Cerrito, and the surrounding areas. Mason works closely with banks and lending institutions to offer a variety of loan programs that clients can access. He is also a loan officer at America's Home Loans, where he has built a reputation for helping first-time homebuyers, refinancers, and real estate investors. Mason was a former marine before completing a degree in business administration.

  • Refinance

3480 Buskirk Avenue, Pleasant Hill, CA 94523
WebsiteLicense: 243334

Expertise.com Rating

Review Sources

Google
5.0 (130)
Yelp
5.0 (110)
Facebook
3.8 (10)

Why choose this provider?

Avenir Mortgage Planners has been serving the residents of Oakland and the rest of the San Francisco Bay Area for more than 18 years. It offers various loan programs, such as fixed-rate and adjustable-rate mortgages, as well as conventional, FHA, VA, and jumbo loans. It also provides asset-based loans and loan programs for foreign nationals. In addition, the company has refinancing solutions for existing mortgages. Owner Greg Lartilleux has received the Five Star Mortgage Professional award for four consecutive years.

  • Refinance

1209 34th Street, Oakland, CA 94608
WebsiteLicense: 1894493

Expertise.com Rating

Review Sources

Yelp
5.0 (32)
Google
5.0 (28)
Facebook
5.0 (1)

Why choose this provider?

Made Mortgage is a mortgage broker serving homeowners in Oakland and the surrounding areas. Scott Nguyen, who has more than a decade of experience in the industry, established the company and leads its team of brokers. The company offers an online loan application form to help with the application process for either a loan or refinancing. Customized rate quotes can also be acquired on the company website. Products offered by the company include 30-year and 15-year fixed mortgages, FHA loans, and VA loans.

  • New Construction
  • Refinance

885 Island Drive, Alameda, CA 94502
WebsiteLicense: 250031

Expertise.com Rating

Review Sources

Yelp
5.0 (31)
Facebook
5.0 (1)
Zillow
5.0 (1)

Why choose this provider?

Peter Holmes is a financial counselor at Welcome Home Funding in Oakland. He specializes in all-new purchase and refinance mortgage needs. Some of the loan programs he offers include conventional loans, FHA loans, 203k renovation loans, and Fannie Mae home-ready. Peter also advises on cash-out refinance, which has benefits such as access to home equity for immediate expenses while having a lower interest rate and monthly payment. According to testimonials, he easily explains the terms and provides guidance through the complicated mortgage application process.

  • New Construction
  • Refinance

1580 Solano Avenue, Albany, CA 94707
WebsiteLicense: 346446

Expertise.com Rating

Review Sources

Yelp
5.0 (12)
Google
5.0 (4)
Facebook
5.0 (1)

Why choose this provider?

Established in 2005, Oak Leaf Funding is an owner-operated mortgage brokerage firm serving clients in Oakland and the nearby areas. Its loan options include a 30-year fixed mortgage, 15-year fixed mortgage, jumbo, USDA, and FHA loans. The team of professionals at this company has the skills and tools necessary to make the loan process easier for its customers and helps them find the loan program that fits their needs. Owners Charles Gianfrate and Wahid Afzal carry more than 20 years of experience in the industry.

  • New Construction

1746 18th Street, San Francisco, CA 94107
WebsiteLicense: 87656

Expertise.com Rating

Review Sources

Google
5.0 (80)
Yelp
5.0 (70)

Why choose this provider?

Mike Koran is a mortgage broker who serves Oakland. Koran helps individuals who want to buy or refinance a residential property select loan options based on their needs. He specializes in jumbo, reverse, FHA, and VA mortgage options. The agent has been in the industry for 18 years. He has funded up to $1 billion in real estate loans. Koran is the president of Primary Residential Mortgage, a firm that he co-founded in 2008.

  • Refinance
  • Purchase Transactions

2950 Merced Street, San Leandro, CA 94577
WebsiteLicense: 276534

Expertise.com Rating

Review Sources

Google
5.0 (85)
Yelp
5.0 (72)
Facebook
5.0 (14)

Why choose this provider?

Sergio Szyrko is a mortgage specialist affiliated with Fairway Independent Mortgage Corporation, a home loan company established in 1996. Whether clients are purchasing first homes, luxury residences, or investment properties, he helps them secure financing through different programs like jumbo, conventional, USDA, and FHA loans. Sergio also offers financing assistance for eligible veterans, regardless if they are purchasing or refinancing homes. Former clients shared how he and his team provided guidance in the entire loan process.

  • Refinance
  • Purchase Transactions

3478 Buskirk Avenue, Pleasant Hill, CA 94523
WebsiteLicense: 339128

Expertise.com Rating

Review Sources

Google
5.0 (145)
Yelp
5.0 (91)
Facebook
5.0 (2)

Why choose this provider?

Mike Trejo is a mortgage broker and the owner of Bridgepoint Funding, serving customers in the Oakland metro. He offers a wide array of home loan options, including fixed-rate mortgage, FHA, first-time homebuyer, jumbo, and rehab. Moreover, he provides reverse mortgages and USDA and VA loans. Mike holds a Certified Mortgage Planning Specialist designation. He and his team have more than 20 years of experience in the mortgage industry, focusing on helping clients find the right mortgage product that matches their necessities.

  • Refinance

6201 Antioch Street, Oakland, CA 94611
WebsiteLicense: 1466899

Expertise.com Rating

Review Sources

Yelp
5.0 (13)

Why choose this provider?

Christian Carr is a loan officer who assists Oakland borrowers throughout the process, from preparing paperwork to finding financing options suitable for their specific needs, whether purchasing or refinancing. He also helps clients who require jumbo loans by brokering mortgages from niche lenders. Chris continuously studies the mortgage bond market and shares what he learns with his clients to help them make informed decisions. For almost two decades, he worked in the fields of marketing, communications, and finance.

  • New Construction
  • Refinance
  • Purchase

1604 Solano Avenue, Albany, CA 94707
WebsiteLicense: 345573

Expertise.com Rating

Review Sources

Yelp
5.0 (11)
Google
5.0 (1)

Why choose this provider?

Fishman Financial Group, Inc. is a mortgage company providing services to individuals in Oakland and the surrounding areas. It offers loan programs such as 15-year and 30-year fixed-rate mortgages, fixed-rate with temporary buydown, fixed-rate balloons, interest-only mortgages, and adjustable-rate mortgages. The company also handles mortgage refinancing services, available to all types of mortgage programs. Fishman Financial Group has been providing real estate financing for investments, commercial properties, and residential properties throughout California since 1990.

  • Refinance

1999 Harrison Street, Oakland, CA 94612
WebsiteLicense: 1854440

Expertise.com Rating

Review Sources

Google
5.0 (5)
Facebook
5.0 (1)
Yelp
5.0 (1)

Why choose this provider?

PhinanceUS is an Equal Housing Lender providing multiple mortgage options and online loan application assistance to Oakland residents. In addition to helping homebuyers achieve their dream home, the brokerage offers refinancing aid and helps clients turn their home's equity into cash. PhinanceUS provides customized real-time rate quotes and extensive comparisons with other lenders to help clients choose appropriate loan programs. The brokerage notifies clients immediately of any market rate movements.

  • New Construction
  • Refinance

Oakland, CA
WebsiteLicense: 326126

Expertise.com Rating

Review Sources

Yelp
4.5 (158)

Why choose this provider?

Mel Paul Riccardi Financial is a family-owned mortgage brokerage firm serving Oakland and neighboring areas since 1980. With strong connections with several financial institutions, MPR Financial provides a broad range of mortgage financing products. Its team of brokers and loan officers helps home buyers determine the loan option that best fits their needs. Their mortgage products cover conventional financing with fixed or adjusted mortgage rates, construction loan, jumbo loan, and FHA loan.

  • Refinance

1850 Mount Diablo Boulevard, Walnut Creek, CA 94596
WebsiteLicense: 1850

Expertise.com Rating

Review Sources

Google
5.0 (541)
Yelp
5.0 (364)
Facebook
4.0 (27)

Why choose this provider?

JVM Lending is a company of mortgage brokers serving clients in Oakland. It was founded in 2006 by Jay Voorhees and Heejin Kim who both wanted to do things differently in the mortgage world. Its mortgage analysts and closing specialists use new software systems that make JVM Lending one of the most efficient and technologically advanced mortgage lending platforms in the industry. This also allows JVM Lending to provide better customer experiences and low rates.

  • New Construction
  • Refinance

2354 Powell Street, Emeryville, CA 94608
WebsiteLicense: 332538

Expertise.com Rating

Review Sources

Yelp
5.0 (16)

Why choose this provider?

Pacific Western Mortgage Group is an Emeryville-based mortgage firm serving clients in Oakland. Its team of mortgage professionals helps clients to choose an appropriate loan, learn the application process, prepare financial information, file applications with lenders, underwrite for pre-approval, and compare quotes from lenders. They handle home purchase, loan refinance, equity cash-out, and investment planning. Pacific Western Mortgage Group is headed by Christiana Tran, who has been in the mortgage business for more than 17 years.

  • New Construction
  • Refinance

2413 Webb Avenue, Alameda, CA 94501
WebsiteLicense: 01454795

Expertise.com Rating

Review Sources

Google
5.0 (145)
Facebook
4.0 (17)

Why choose this provider?

Chris Freck is a mortgage broker and the owner of EstaR Mortgage he established in 2016. He caters to clients in Oakland and the surrounding areas. He offers a wide variety of loan options, including adjustable-rate and fixed-rate mortgages, FHA, jumbo, USDA, and VA. In addition, he provides reverse mortgages. Chris holds a Master of Business Administration degree and a Certified Mortgage Planning Specialist designation. Before opening his own firm, he built businesses for various mortgage banks for 14 years.

  • Refinance
  • Reverse Mortgages
  • Purchase

35 Cork Road, Alameda, CA 94502
WebsiteLicense: 247128

Expertise.com Rating

Review Sources

Yelp
5.0 (56)

Why choose this provider?

California Real Estate Finance is a locally owned and operated mortgage brokerage that has been serving the Oakland and Alameda areas since 1988. The company originated the "no-cost" loan program and is certified by the Nationwide Mortgage Licensing System. Starting out as a loan processor, Richard Pavao, the company's founder, became a broker aiming to develop a wholesale lending program and expand his network of brokers and lending institutions.

  • Refinance

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.