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Best Mortgage Brokers in Orange

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Paradise Home Mortgage logo
FEATURED
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License Verified:

License: 1714743

Nationwide Multistate Licensing System and Registry

Paradise Home Mortgage

Orange, CA
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  • Reverse Mortgages
  • Refinance

Business Description

Paradise Home Mortgage caters to clients across the Orange metro. The company sets up various loan programs for individuals looking to acquire homes, including FHA and VA loans, as well as 15 and 30-year fixed mortgages. It also offers a 203K program for buyers looking to purchase and rehabilitate damaged properties. For homeowners seeking to reduce their interest rates or modify their mortgage terms, the company provides refinancing assistance. Jeff Grillion, its managing broker, has been featured on KHON2's TV show Living808.

License Verified:

License: 1714743

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 (95)
Facebook
5.0 / 5 (10)

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
Aragon Lending Team logo
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License Verified:

License: 250691

Nationwide Multistate Licensing System and Registry

Aragon Lending Team

555 W 5th St, 35th Floor, Los Angeles, CA 90013
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  • Mortgage Broker

Business Description

Aragon Lending Team is an independent mortgage brokerage in Los Angeles that offers loan programs and home financing options to clients in Orange. The agency was founded by Julie Aragon, who started the business back in 2002. She leads a team of five staff in carrying out activities such as loan applications, mortgage refinancing, and non-bank mortgage lending. Some of the loan programs the agency offers include government loans (FHA and VA), as well as jumbo loans.

License Verified:

License: 250691

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 (178)
Facebook
5.0 / 5 (29)

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
Banc One Mortgage logo
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License Verified:

License: 1202904

Nationwide Multistate Licensing System and Registry

Banc One Mortgage

333 City Boulevard West, Orange, CA 92868
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  • Refinance
  • Purchase Transactions

Business Description

Banc One Mortgage is a full-service mortgage lending firm serving customers throughout Orange. It helps its clients secure a loan that suits their particular needs and situations. Its loan options include adjustable-rate mortgages, non-qualified mortgages, conventional, VA, jumbo, and FHA loans. The professionals at this company are well-versed in all aspects of mortgage lending and utilize their skills and knowledge to make the home buying and refinancing process easy for their customers.

License Verified:

License: 1202904

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
Facebook
5.0 / 5 (11)
Yelp
3.5 / 5 (9)
Google
4.4 / 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
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Churchill Mortgage - Orange, CA logo
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License Verified:

License: 195331

Nationwide Multistate Licensing System and Registry

Churchill Mortgage - Orange, CA

333 South Anita Drive, Orange, CA 92868
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  • Refinance

Business Description

Churchill Mortgage is a brokerage that serves clients in Orange. The company offers various loan programs for homebuyers and homeowners that include conventional, FHA, VA, USDA, jumbo, and no score loans. It also uses a homeownership strategy plan and is committed to providing transparency throughout the home buying process. Churchill Mortgage looks out for opportunities for its clients by monitoring home values in the area. It has assisted around 100,000 customers since its establishment in 1992.

License Verified:

License: 195331

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.
4.5
Google
5.0 / 5 (98)
Facebook
3.5 / 5 (49)
Yelp
4.0 / 5 (11)

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.
4.0
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Detail
––
Citizens Lending Group logo
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License Verified:

License: 1109984

Nationwide Multistate Licensing System and Registry

Citizens Lending Group

3455 East La Palma Avenue, Anaheim, CA 92806
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  • Reverse Mortgages

Business Description

Citizens Lending Group is a mortgage broker that services residents of Orange. The company specializes in reverse mortgage loans which are designed to improve the quality of life of customers aged more than 62 years old. It is a way to save retirement money while removing monthly mortgage payments in the process. Its team of professional brokers has a combined loan experience of over 50 years. The business is owned by Jeff Krolosky, Lance Schultz, and Bill Simmons, who are well-versed in all things mortgage.

License Verified:

License: 1109984

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 (5)
Google
5.0 / 5 (2)
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
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Helpfulness
Detail
First Place Home Loans logo
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License Verified:

License: 1181829

Nationwide Multistate Licensing System and Registry

First Place Home Loans

1740 West Katella Avenue, Orange, CA 92867
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  • Reverse Mortgages

Business Description

First Place Home Loans is a mortgage broker located in Orange. With more than 25 years of collective mortgage lending experience, its staff provides access to a range of loan programs, including VA, FHA, fixed-rate, and jumbo loans. The company offers assistance in understanding and qualifying for reverse mortgages, enabling homeowners to eliminate monthly payments. Clients receive guidance on the mortgage refinance program so they can assess whether refinancing suits their needs. First Place Home Loans aims to provide "superior customer service."

License Verified:

License: 1181829

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 (126)
Yelp
5.0 / 5 (16)

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
Integrity Credit Corporation logo
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License Verified:

License: 1075823

Nationwide Multistate Licensing System and Registry

Integrity Credit Corporation

500 North State College Boulevard, Orange, CA 92868
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  • Refinance
  • Reverse Mortgages
  • Purchase Transactions

Business Description

Integrity Credit Corporation works with multiple lenders to provide a variety of residential and commercial loan options to clients in the Orange area. It provides assistance to clients looking to purchase or refinance their homes. The company offers 15-year, 20-year, and 30-year fixed mortgage loans as well as 30-year fixed FHA. Other loan products offered are VA, USDA, FHA 203K, reverse, conventional, and jumbo. Integrity Credit Corporation also offers manufactured housing loans and loans for foreign nationals.

License Verified:

License: 1075823

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.
4.7
Google
5.0 / 5 (13)
Facebook
4.0 / 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
Interactive Mortgage logo
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License Verified:

License: 302352

Nationwide Multistate Licensing System and Registry

Interactive Mortgage

1 City Boulevard West, Orange, CA 92868
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  • Refinance

Business Description

Interactive Mortgage is a company that provides mortgage services to residents of Orange. It believes that today’s borrower knows what they want and that they want to choose and fund quickly. Thus, it gives its clients interactive control of the loan process. Interactive Mortgage offers an online do-it-yourself process where the homeowner is in complete control. This processing system aims to give clients the freedom to choose, get rates, and upload files securely. Interactive Mortgage supports various charities including Pink Ribbon International and The Shea Center.

License Verified:

License: 302352

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.
4.1
Yelp
4.0 / 5 (347)
Google
3.0 / 5 (127)

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
Leigh McMahon logo
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License Verified:

License: 1075410

Nationwide Multistate Licensing System and Registry

Leigh McMahon

3198-F Airport Loop Drive, Costa Mesa, CA 92626
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  • Refinance
  • Purchase Transactions

Business Description

Leigh McMahon helps clients in Orange with their mortgage needs. As a mortgage professional, Leigh offers a wide range of home loans, including conventional, interest-only, self-employed, VA, jumbo, and bank-stated loans. She also offers refinance programs, such as VA cash-out and VA streamline loans. She works for the United American Mortgage Corporation, a local lending business based in Costa Mesa. Clients can inquire and send their applications online by filling out the form on the company's website.

License Verified:

License: 1075410

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 (62)
Google
5.0 / 5 (42)
Facebook
5.0 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Mulberry Street Mortgage logo
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License Verified:

License: 280500

Nationwide Multistate Licensing System and Registry

Mulberry Street Mortgage

2140 West Chapman Avenue, Orange, CA 92868
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  • Refinance

Business Description

Since 1995, Mulberry Street Mortgage has been serving the home loan needs of clients in Orange and nearby cities. It has connections with various lenders and financial institutions, allowing its staff to find the right loan options for customers. The mortgage brokers help clients obtain traditional mortgage products, such as conventional, FHA, VA, and USDA loans. Additionally, Mulberry Street Mortgage offers non-qualified mortgage programs, including asset qualifier mortgages, bank statement loans, and jumbo home loans.

License Verified:

License: 280500

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
5.0 / 5 (3)
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
Nakoma Mortgage Company logo
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License Verified:

License: 355980

Nationwide Multistate Licensing System and Registry

Nakoma Mortgage Company

165 North Glassell Street, Orange, CA 92866
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  • Refinance

Business Description

Nakoma Mortgage Company provides mortgage assistance to home or property buyers in Orange. The services offered are fixed-rate mortgages and FA, VA, USDA, renovation, and jumbo loans. Clients can also choose options such as low down payment purchases and refinancing. The company has worked with clients in the mortgage industry for more than two decades. Its team of associates, led by Abraham and Alexandra Lee, is dedicated to simplifying the loan process and providing clients with expert advice.

License Verified:

License: 355980

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 (1)
Yelp
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
OC Home Loans and Finance logo
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License Verified:

License: 1830112

Nationwide Multistate Licensing System and Registry

OC Home Loans and Finance

17461 Irvine Boulevard, Tustin, CA 92780
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  • Refinance
  • Reverse Mortgages
  • Purchase Transactions

Business Description

OC Home Loans and Finance helps people in the Orange area find property lenders, refinance homes, and purchase real estate. Products included are FHA, veteran, jumbo, 203K, 30-year, and 15-year loans. Its Home Affordable Refinance Program involves completing a loan qualifier, comparing mortgage rates and terms, and receiving options based on individual criteria and situation. Frank Gordon, a mortgage advisor, has been praised by a previous client for his patience and knowledge during a refinancing project.

License Verified:

License: 1830112

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
Google
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
OMC Mortgage, Inc. logo
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License Verified:

License: 1689508

Nationwide Multistate Licensing System and Registry

OMC Mortgage, Inc.

7659 Garden Grove Boulevard, Garden Grove, CA 92841
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  • Refinance
  • Purchase Transactions

Business Description

OMC Mortgage, Inc., has been providing loan products for home purchase and refinancing since 1997. It serves borrowers in Orange with different financial situations, including self-employed individuals, people with limited credit scores, veterans, and foreigners. The company helps clients secure FHA, VA, fixed-rate, and adjustable-rate mortgages. Furthermore, its staff arranges reverse mortgages, interest-only loans, and balloon mortgages. Prospective homebuyers can also complete online applications through its website. The OMC Mortgage team is dedicated to making loan processes easy for customers.

License Verified:

License: 1689508

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 (64)
Facebook
5.0 / 5 (3)
Yelp
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Premier Lending Group logo
Visit WebsiteWebsite

License Verified:

License: 839305

Nationwide Multistate Licensing System and Registry

Premier Lending Group

1740 W Katella Ave Ste C, Orange, CA 92867
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  • Reverse Mortgages

Business Description

Premier Lending Group is an Orange-based mortgage brokerage company that specializes in reverse mortgage loans. It assists homeowners aged 62 and older organize loans with its HECM loan and HECM for purchase programs. The company also helps advisors to achieve an informed decision with the borrower considering the best interest of all parties involved with its detailed loan scenarios. Clients are required to have counseling sessions with a HUD-approved counseling agency. Moreover, Premier Lending Group has successfully closed conventional and government loans for 20 years.

License Verified:

License: 839305

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 (3)
Google
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
Sandra Baughman logo
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License Verified:

License: 317576

Nationwide Multistate Licensing System and Registry

Sandra Baughman

1342 East Chapman Avenue, Orange, CA 92866
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  • Refinance
  • Purchase Transactions

Business Description

Sandra Baughman leads Mark 1 Mortgage, a mortgage brokerage that serves clients in the Orange metro. It works with a range of lenders to assist customers in finding the loan policies that meet their refinancing and mortgage needs. Its packages include home equity, conventional fixed-rate, FHA, and adjustable-rate. It also offers jumbo, construction, and VA loans. Mark 1 Mortgage is dedicated to providing suitable and reasonable mortgage options, which will help clients confidently achieve their homeownership goals.

License Verified:

License: 317576

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 (11)
Yelp
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
Sharp Loan logo
Visit WebsiteWebsite

License Verified:

License: 1387935

Nationwide Multistate Licensing System and Registry

Sharp Loan

625 The City Drive South, Orange, CA 92868
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  • Refinance

Business Description

Sharp Loan is a mortgage broker addressing the financial needs of Orange residents. The company works with various lenders to obtain the best possible rates for available loan options, such as VA, jumbo, conventional, USDA, and FHA loans. Its loan officers help clients navigate the home purchase process and match their financial goals with appropriate loan programs. They also provide guidance on the mortgage refinancing program. Sharp Loan is committed to "creating financial success" for its customers. The company also caters to Spanish-speaking clients.

License Verified:

License: 1387935

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
3.0 / 5 (31)
Google
4.0 / 5 (29)
Facebook
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
Southland Home Finance logo
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License Verified:

License: 244339

Nationwide Multistate Licensing System and Registry

Southland Home Finance

333 City Boulevard West, Orange, CA 92868
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  • Refinance

Business Description

Southland Home Finance is a mortgage broker firm serving homeowners ​in the Orange area. The company provides a variety of loans that will fit the needs of homeowners, including FHA, VA, and adjustable rates. It also offers 15- year and 30-year terms for fixed rate mortgages. Some of its other offerings are home refinancing programs, cash-out refinance, and down payment assistance. The company's website offers an online mortgage resource with a mortgage payment calculator. Southland Home Finance is an Equal Housing Lender and Broker.

License Verified:

License: 244339

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 (18)
Google
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
The Cornelius Mortgage Team logo
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License Verified:

License: 913476

Nationwide Multistate Licensing System and Registry

The Cornelius Mortgage Team

18206 Imperial Highway, Yorba Linda, CA 92886
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  • New Construction
  • Refinance

Business Description

The Cornelius Mortgage Team is a mortgage broker business that serves the residents in Orange and the surrounding areas. It offers different loan options to first-time home purchasers, existing homeowners, refinancing homeowners, seniors needing reverse mortgages, and investment buyers. It assists clients in navigating the entire loan process by finding customized mortgage programs according to need. Mike Cornelius, branch manager through Motto Mortgage, has been in the industry since 2012 with private equity experience for five years.

License Verified:

License: 913476

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
Google
5.0 / 5 (33)

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
The Insight Team logo
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License Verified:

License: 118767

Nationwide Multistate Licensing System and Registry

The Insight Team

100 Spectrum Center Drive, Irvine, CA 92618
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  • Refinance
  • Commercial Loans
  • Multi-Family Loans

Business Description

The Insight Team is a brokerage located in Orange County that has been offering mortgage products for more than 10 years. It provides assistance with FHA and VA loans, jumbo loans, investment loans, construction or renovation loans, and reverse mortgage loans. Its team guides its clients throughout the home loan process and aids them in reaching their home financing goals. The Insight Group is owned and headed by Ryan Grant, who has almost two decades of experience in the industry.

License Verified:

License: 118767

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 (204)
Yelp
5.0 / 5 (144)

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Trustlink Mortgage logo
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License Verified:

License: 1856913

Nationwide Multistate Licensing System and Registry

Trustlink Mortgage

7545 Irvine Center Drive, Irvine, CA 92618
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  • Refinance
  • Commercial Loans
  • Multi-Family Loans

Business Description

Trustlink Mortgage is a mortgage broker that offers loan options to clients in Orange and nearby locations. The firm has overseen thousands of loan closings of more than $3 billion in volume. Its mortgage professionals educate clients about mortgage lending and house buying, allowing them to make better decisions regarding the overall process. Trustlink Mortgage's loan options include fixed, ARM, conventional, FHA, VA, jumbo, home equity line, and USDA loans. The firm also offers down payment assistance and reverse mortgages.

License Verified:

License: 1856913

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 (57)
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
Back to Providers

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.

How do mortgage brokers get paid?

The customer or the lender pays the mortgage broker. By law, it's illegal for a mortgage broker to accept payment from both parties. Additionally, thanks to the Dodd-Frank Act, a mortgage broker cannot have hidden fees or base their commission on their customer's interest rate.

What makes mortgage brokers different from loan officers?

Loan officers are employees of a single lender. For example, if you go to a bank for a mortgage, you'll deal with their loan officer. They’re paid a set salary and receive bonuses; however, they can only offer loans from their bank.

A mortgage broker works independently or for a firm, and they’re paid by the client or lender. Mortgage brokers can approach several lenders, giving individuals many more options.

What is the difference between a commercial mortgage broker and a home loan broker?

A commercial mortgage broker deals with real estate loans for businesses. The loan for the commercial property is given to the company, not the individual. As a result, the approval process reviews the financial health of the business. In comparison, a home loan broker helps individuals gain a real estate loan for their property.

How much do mortgage brokers make?

According to Salary.com, the average salary for a mortgage broker in the U.S. ranges between $75,344 and $99,498. However, this can significantly vary depending on the state you work in, bonuses, and other factors.

How do mortgage brokers get paid?

How a mortgage broker gets paid entirely depends on who they work for. If they’re an independent contractor, all of their income comes from their clients or lenders. If the person works for a brokerage, they may be paid a combination of a base salary and bonuses from closed deals.

How much do mortgage brokers make per loan?

Mortgage brokers typically make between 1% and 2% of the total loan amount on each deal closed. The client or the lender will pay this fee. The mortgage broker does not receive their payment until the loan is approved and finalized. 

Can mortgage brokers work across state lines?

Yes, mortgage brokers can work across state lines. However, each state has different licensing requirements for its mortgage brokers. To legally close a transaction, you must be certified in the state of the transaction. Additionally, it's helpful to know the state's closing process, as this can change from state to state.

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.

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.

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.

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