Expertise.com

2024

Last updated:

Best Mortgage Brokers in Palmdale

Our Recommended Top 9

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

47Reviewed

31Curated

9Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

536 East Palmdale Boulevard, Palmdale, CA 93550
WebsiteLicense: 233853

Expertise.com Rating

Review Sources

Facebook
5.0 (4)
Google
5.0 (2)
Yelp
5.0 (2)

Why choose this provider?

Financial Independence Mortgage is a mortgage brokerage firm serving home buyers and owners in Palmdale for over 30 years. The company offers comprehensive loan programs including FHA, VA, USDA, and Freddie Mac Home loans. The company president, Dean Henderson, is one of the few mortgage originators in California to be a Certified Residential Mortgage Specialist and Certified Credit Specialist by the National Association of Mortgage Brokers. He and his team can present clients with a wide range of options from their partner providers.

  • New Construction
  • Refinance

536 East Palmdale Boulevard, Palmdale, CA 93550
WebsiteLicense: 233298

Expertise.com Rating

Review Sources

Yelp
5.0 (2)
Zillow
5.0 (1)

Why choose this provider?

Dean Henderson is the president of Financial Independence Mortgage, a California mortgage brokerage firm that specializes in helping new home buyers realize home ownership. He caters to various mortgage programs such as FHA, VA, USDA, FannieMae & Freddie Mac Home Loans. Dean has been in the mortgage broker industry since 1988. His certifications include being a residential mortgage specialist, a credit specialist, and a military housing specialist. He resides in Palmdale where his office is also located.

  • Refinance

1113 West Avenue M4, Palmdale, CA 93551
WebsiteLicense: 262012

Expertise.com Rating

Review Sources

Google
4.0 (15)
Yelp
5.0 (7)
Zillow
3.0 (2)

Why choose this provider?

Gabriella Godde is a mortgage broker that serves individuals located in the Palmdale area and the surrounding communities. Godde has been in the mortgage industry for over 24 years. She offers several home loan products, such as first-time homebuyer, CalHFA 100%, FHA, VA, 203k, and conventional loans. In addition, she assists clients with existing debts, such as residential property owners with a lot of student loan debt, by offering personalized plans that fit their needs.

  • Refinance

1401 West Rancho Vista Boulevard, Palmdale, CA 93551
WebsiteLicense: 271603

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Alameda Mortgage Corporation is a mortgage lender catering to clients in Palmdale and the surrounding areas. It provides various home mortgage loan options, including jumbo loans, USDA loans, down payment assistance loans, FHA loans, and VA loans. Fixed-rate and adjustable-rate terms are available. Alameda Mortgage Corporation has been helping people with their mortgage needs for more than 50 years. Its mission is to cultivate meaningful relationships with clients to ensure their mortgage aligns with their life path.

  • New Construction
  • Refinance

38750 Trade Center Dr, Palmdale, CA 93551

Expertise.com Rating

Review Sources

Google
4.9 (69)
Yelp
5.0 (13)

Why choose this provider?

High Tech Lending is a mortgage bank and a direct lender serving clients in Palmdale and nearby areas. It assists with different types of mortgages and helps in comparing rates for VA, USDA, FHA, conventional, jumbo, and reverse loans. The company also offers 203K and streamlined refinancing. High Tech Lending is a member of the NMLS. It was co-founded by Don Currie, who previously served as the president of the California Association of Mortgage Professionals OC Chapter.

  • Refinance

1008 West Avenue M-4, Palmdale, CA 93551
WebsiteLicense: 150086

Expertise.com Rating

Review Sources

Zillow
5.0 (210)
Yelp
3.0 (25)
Google
1.0 (1)

Why choose this provider?

MMC Lending is a mortgage banking service headquartered in Palmdale. Founded in 2003, it specializes in delivering residential loan programs to borrowers in the local area. Its products include FNMA homestyle renovation and residential construction loans, as well as FHA HECM reverse mortgages for seniors. The company likewise extends downpayment assistance through the HFA and MCC programs. One of its mortgage advisors, Alysha Boles, has been working in the finance and real estate field for 20 years.

  • New Construction
  • Refinance

190 Sierra Court, Palmdale, CA 93550
WebsiteLicense: 1486453

Expertise.com Rating

Review Sources

Facebook
4.0 (14)
Yelp
5.0 (5)
Google
5.0 (1)

Why choose this provider?

Foundation Financial Consultants, INC., is a full-service mortgage company that serves clients in Palmdale and other surrounding areas. It specializes in different mortgage products such as conventional, FHA, and VA mortgages. Additionally, it also offers purchase loan programs such as commercial, jumbo, HomePath, and USDA. It caters to clients who either plan to buy a home or refinance. Foundation Financial Consultants aims to assist borrowers in overcoming roadblocks they may encounter while securing a loan.

  • New Construction
  • Refinance

530 West Commerce Avenue, Palmdale, CA 93551
WebsiteLicense: 276140

Expertise.com Rating

Review Sources

Google
5.0 (4)

Why choose this provider?

All American Financial Services serves the real estate loan and investment decisions of clients in the Palmdale area. Aside from mortgage loans, it offers commercial, debt consolidation, and construction loan programs. It also offers home loan refinance as well as first-time buyer, private money, USDA, and VA loans. All American Financial Services also handles trust deed investments, loan servicing, and notary services. It has more than 30 years of experience in the mortgage brokerage business.

  • New Construction
  • Refinance

1113 West Avenue M-4, Palmdale, CA 93551
WebsiteLicense: 1273598

Expertise.com Rating

Review Sources

Zillow
5.0 (3)
Google
5.0 (2)

Why choose this provider?

TrueDirection Lending is a mortgage company that caters to the Palmdale area. It guides clients in the process of getting financial solutions when purchasing a home or refinancing an existing loan. Clients can avail of its loan programs, such as refinancing, VA and FHA mortgage, and jumbo, USDA and conventional loans. Its veteran broker, Andrea Perovich, has leadership and management experience in the mortgage industry for more than 12 years. She has worked extensively with real estate professionals and community leaders.

  • New Construction
  • 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.