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2024

Last updated:

Best Mortgage Brokers in Oceanside

Our Recommended Top 19

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

61

Reviewed

44

Curated

19

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
43950 Margarita Road, Suite E, Temecula, CA 92592
  • Refinance

Why choose this provider?

Eagle Platinum Mortgage offers a range of mortgage loan programs in Oceanside. Whether a client is planning on buying a home or considering refinancing, the company provides personal service and mortgage loan solutions tailored to their specific needs. Its loan products include conventional loans, jumbo mortgages, VA and FHA loan programs, and hard money loans. Its team of mortgage professionals provides assistance throughout the complex loan process, from reviewing a client's credit and income history to finding a lender.

License Verified:

License: 1018332

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 (41)
Facebook
4.9 / 5 (8)
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
1902 Wright Place, Carlsbad, CA 92008
  • New Construction
  • Refinance

Why choose this provider?

Platinum Mortgage Group provides a variety of home purchasing and refinancing loan options to clients in Oceanside. This company offers comprehensive loan products and programs, including FHA, VA, and jumbo loans; down payment assistance; and reverse mortgages. Alexis Roper, the company's residential mortgage loan originator, started her career in the industry in 2001 as a loan consultant. Roper strives to work closely with her clients throughout the process of residential and investment loans and helps them make informed decisions.

License Verified:

License: 01894457

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
Yelp
4.0 / 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.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
210 East Fig Street, Fallbrook, CA 92028
  • Refinance

Why choose this provider?

Mountain West Financial, Inc., is a Redlands-based mortgage specialist that serves Oceanside residents. Whether clients need assistance in purchasing or refinancing, it offers a number of options such as conventional, renovation, combo HELOC, VA, and FHA loan programs. Furthermore, the company also provides energy-efficient mortgages that allow VA and FHA borrowers to fund energy preservation developments into their loans. Mountain West Financial has been helping home loan purchasers and refinancers for more than 30 years.

License Verified:

License: 164497

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
Zillow
5.0 / 5 (716)
Facebook
5.0 / 5 (38)
Yelp
2.5 / 5 (34)

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
244 Flores Lane, Vista, CA 92083
  • New Construction

Why choose this provider?

Shaffer Realty and Mortgage has been attending to the financial needs of Oceanside for 20 years. The company is focused on homeowners and home sellers in providing advice, negotiating skills, marketing knowledge, and closing of a transaction. Its team is also adept in dealing with conventional loans, jumbo loans, FHA loans, VA loans, and reverse mortgages. Shaffer Realty and Mortgage provides real estate options such as buyer rebate program, home buying, and plan of action listing.

License Verified:

License: 352982

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.
4.3
Yelp
4.0 / 5 (10)
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

Website
26395 Jefferson Avenue, Murrieta, CA 92562
  • New Construction
  • Refinance

Why choose this provider?

Lisa Toscano My Mortgage Girl helps clients navigate through a variety of home loans and mortgage options available in the market. Mortgage broker Lisa services conventional and non-traditional loans. She handles foreign national, FHA, non-QM, VA, and USDA loan options, as well as refinance and reverse mortgages. Lisa is a state-licensed broker and is a member of the National Association of Mortgage Brokers (NAMB). Her services are available to residents in and around Oceanside.

License Verified:

License: 01741157

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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
30070 Temecula Parkway, Temecula, CA 92592
  • New Construction
  • Refinance

Why choose this provider?

Located in Temecula and serving the area of Oceanside, Modern Lending is a firm composed of mortgage brokers with over 30 years of combined experience. The team dedicates itself to providing a range of programs to its clients, including self-employed individuals and first-time homebuyers. They offer conventional, FHA, VA, USDA, and jumbo loans. They work under the leadership of president and CEO Brian Decker, who has been working in the sector for around 15 years.

License Verified:

License: 319790

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 (215)
Facebook
5.0 / 5 (150)

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
2424 Vista Way, Oceanside, CA 92054
  • Refinance
  • Reverse Mortgages

Why choose this provider?

North Coast Financial, Inc., is a hard money lending business with more than 40 years of experience. It has been serving loans to real estate investors and property owners in Oceanside and surrounding areas since 1981. Don Hensel is a managing broker and the president of the business. He is a member of the California Mortgage Association and is personally involved in the loans provided to customers. The loans offered by the business include investment and rental property, probate and estate, and owner-occupied hard money loans.

License Verified:

License: 323044

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 (50)
Yelp
5.0 / 5 (4)
Facebook
5.0 / 5 (1)

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
5256 South Mission Road, Bonsall, CA 92003
  • New Construction

Why choose this provider?

The Marelly Group is a real estate company that serves the Oceanside community and the rest of North San Diego County. Aside from helping clients buy or sell their homes, it also helps homebuyers finance their dream properties. Having access to sponsoring lenders, its team of local financing experts guides each client through the process of obtaining a suitable loan program. The loan program options available are conventional, FHA, VA, and adjustable and fixed-rate mortgages.

License Verified:

License: 249620

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
Zillow
5.0 / 5 (165)
Google
4.8 / 5 (18)
Facebook
4.3 / 5 (6)

(+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
110 Civic Center Drive, Vista, CA 92084
  • New Construction
  • Refinance
  • Reverse Mortgages

Why choose this provider?

Boulton Mortgage and Real Estate Service is a mortgage broker located in Vista. Serving clients in and around Oceanside, the company's team is comprised of mortgage loan officers, reverse mortgage specialists, and real estate agents. Among the programs that the team offers include VA home loans, reverse mortgage, and mortgage refinancing. It also works with over 20 lenders to give home buyers a wide range of loan options. Denise Boulton has been in the mortgage and real estate industry for over three decades.

License Verified:

License: 995056

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.
4.2
Facebook
4.0 / 5 (12)
Yelp
5.0 / 5 (3)

Website
4332 Los Vecinos, Fallbrook, CA 92028
  • Reverse Mortgages

Why choose this provider?

Protea Mortgage is a brokerage company that serves Oceanside and the surrounding communities. Mark and Jacob Fleigler found it as a branch of i3 Landing, Inc., a provider of mortgage services in the US. The company specializes in reverse mortgages, purchase loans, and refinances. It assists clients throughout the entire process — from pre-approval to closing. Because Protea's network of lenders can work with borrowers with a wide range of credit profiles. Clients' circumstances are thoroughly reviewed to offer a solution that is fit for their needs.

License Verified:

License: 990062

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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1921 Palomar Oaks Way, Oceanside, CA 92008
  • New Construction
  • Refinance
  • Commercial Loans

Why choose this provider?

Jason Colburn is a senior loan officer at Fitzpatrick Capital, serving clients in the Oceanside area. Colburn assists clients throughout the process and educating them using his extensive knowledge of various loan programs. He has helped clients purchasing and refinancing properties, striving to provide prompt and efficient services. Despite having a team of professionals, Colburn remains personally involved in every client's transaction. Before working with Fitzpatrick Capital, Colburn worked as a senior mortgage banker for several companies.

License Verified:

License: 316730

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 (4)
Zillow
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

Website
701 Palomar Airport Road, Carlsbad, CA 92011
  • New Construction
  • Refinance

Why choose this provider?

Strategic Equities is a mortgage broker that serves residential and commercial clients in Oceanside. The company offers a variety of loan programs, which include fixed-rate mortgage loans, conventional home loans, jumbo loans, VA home loans, and home equity lines of credit. It also accommodates borrowers whose situations call for full documentation loans, no-document mortgage loans, non-owner-occupied, and multifamily loans. Strategic Equities works with more than 55 investors and private lenders.

License Verified:

License: 237415

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 (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

Website
27645 Jefferson Avenue, Temecula, CA 92590
  • Refinance

Why choose this provider?

Gapital Mortgage helps the residents of Oceanside understand the mortgage process and achieve their financial goals. As a mortgage broker, the company employs a seamless process and adopts a transparent approach in providing comparative mortgage quotes. Its mortgage specialists offer necessary support in the qualification, application, and closing phases, informing clients of available loan choices, such as conventional, VA, USDA, and FHA loans. Its mother-and-son team, Tacy Nichols and Cody Stevens, established the company to encourage connections and help people.

License Verified:

License: 1553267

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 (8)
Facebook
5.0 / 5 (7)

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
2424 Vista Way, Oceanside, CA 92054
  • Commercial Loans
  • Reverse Mortgages

Why choose this provider?

Pacific Coast Home Mortgage is a mortgage brokerage serving clients in Oceanside. Its loan programs include conventional, construction, reverse, FHA, and VA loans. The company is managed by Mark O'Toole, who has over a decade of experience in loan origination and has funded more than 600 mortgage transactions. O'Toole aims to stay updated on the latest program guidelines to ensure a smooth mortgage transaction. Moreover, the company's website has a wide selection of calculators and tools, including amortization, qualification, and pre-payment calculator.

License Verified:

License: 237888

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 (45)
Yelp
5.0 / 5 (35)

Website
2121 Palomar Airport Road, Carlsbad, CA 92011
  • Refinance

Why choose this provider?

Bluefire Mortgage is a mortgage lender that offers a variety of loan products for Oceanside borrowers planning to finance their homes. It offers concierge services for lending programs such as FHA, VA, and adjustable-rate mortgage loans. The company additionally has 60 years of professional experience in residential purchase financing. With a mission to promote education, Bluefire Mortgage designates a portion of its profits to fund the schooling of orphaned children in the rural areas of India.

License Verified:

License: 323026

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 (108)
Yelp
4.5 / 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
2173 Salk Avenue, Carlsbad, CA 92008
  • Commercial Loans

Why choose this provider?

Blackstone Financial Inc. is a Carlsbad residential and commercial real estate financing company that works with clients in and around the local area, including Oceanside. Its staff walks clients through the mortgage process, starting with understanding the client's situation and establishing financial goals. The company can also refinance a client's mortgage by changing its term and rate or through a cash-out refinance. Founder Magdy Badr is a certified commercial investment member, mortgage banker master, and accredited mortgage professional.

License Verified:

License: 449626

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 (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
29737 New Hub Drive, Menifee, CA 92586
  • Refinance

Why choose this provider?

Point Mortgage Corporation - Menifee is a mortgage banking company that delivers lending services for builders, real estate agents, and homebuyers in Oceanside. It provides loan products, such as home purchase, refinance, equity, and reverse mortgages. In addition, the application process, including viewing loan alternatives, is available online. Point Mortgage Corporation - Menifee has access to a wide range of mortgage solutions that helps them fulfill its goal of assisting families in finding the right choice for their homeownership goals.

License Verified:

License: 231073

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 (5)
Yelp
5.0 / 5 (5)

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
1635 South Rancho Santa Fe Road, San Marcos, CA 92078
  • Refinance

Why choose this provider?

Josh Jelsing is the owner and CEO of PGS Home Loans, with over 20 years of experience in the mortgage industry. His years of experience working in different areas of the home buying business allow him to provide a different perspective in dealing with clients. He handles different types of residential mortgage programs, including portfolio Alt-A, Freddie Mac, Fannie Mae, FHA, VA, and hard money loans. Clients described him as knowledgeable and responsive to their queries. Jelsing caters to clients in Oceanside.

License Verified:

License: 296707

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
Zillow
5.0 / 5 (26)
Yelp
5.0 / 5 (14)
Google
5.0 / 5 (2)

(+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
1921 Palomar Oaks Way, Carlsbad, CA 92008
  • Refinance

Why choose this provider?

Fitzpatrick Capital is a mortgage company that serves clients in Oceanside. Its team of mortgage loan specialists offers various mortgage loan options for home buyers and homeowners who are planning to refinance their loans, including conventional loans, jumbo loans, VA loans, fixed-rate mortgages, adjustable-rate mortgage loans, and reverse mortgages. The family-owned company was established by the couple Meghan and Jeff Fitzpatrick in 2003. Meghan has more than 19 years of experience in the mortgage industry.

License Verified:

License: 44992

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 (7)
Facebook
5.0 / 5 (2)
Google
5.0 / 5 (1)

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.