Best Mortgage Brokers in Redwood City

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California Real Estate Services logo
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License Verified:

License: 359458

Nationwide Multistate Licensing System and Registry

California Real Estate Services

433 Hegenberger Rd Suite A, Oakland, CA 94621
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  • Refinance

Business Description

California Real Estate Services caters to clients throughout Redwood City and its surrounding areas. It offers a variety of mortgage options for first-time homebuyers and existing homeowners. These loan products include FHA, VA, jumbo, USDA, HARP, and reverse mortgage loans. It also provides a variety of loan term options, including adjustable-rate and 15-year and 30-year fixed mortgages. Clients can use the company's website to determine which loan programs they are eligible for and to compare rates for home purchases and refinances.

License Verified:

License: 359458

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 (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
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Emerson Financial logo
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License Verified:

License: 239206

Nationwide Multistate Licensing System and Registry

Emerson Financial

675 Mariners Island Blvd, Suite 107, San Mateo, CA 94404
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  • Refinance

Business Description

Emerson Financial is a San Mateo-based company that serves clients across Redwood City. It helps aspiring homeowners or second-time homebuyers through the process of applying for mortgage programs. The company checks each applicant's credit history and verifies their income and assets as part of its work process. It also caters to property owners seeking to refinance their loans. The company is experienced in working with the owners of vacation homes. It has been operating in the lending industry for more than 30 years.

License Verified:

License: 239206

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 (7111)
Yelp
5.0 / 5 (69)

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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Mortgage Services logo
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License Verified:

License: 236217

Nationwide Multistate Licensing System and Registry

Mortgage Services

235 E. Third Avenue, Suite 204, San Mateo, CA 94401
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Business Description

Mortgage Services is a brokerage and lending firm that provides residential loan products to people in Redwood City. It offers different types of programs, including conventional, jumbo, challenged credit, high debt ratio, construction, and investor loans. Mortgage Services was founded in 1985. One of its experts, Joe Lanam, has been in the industry for over 20 years and is the founding president of the San Francisco Peninsula Chapter of the California Association of Mortgage Brokers.

License Verified:

License: 236217

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 (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
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Providential Mortgage logo
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License Verified:

License: 338656

Nationwide Multistate Licensing System and Registry

Providential Mortgage

Fremont, CA 94539
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  • Commercial Loans

Business Description

Providential Mortgage has been serving Redwood City residents for over two decades. The company helps homebuyers acquire lending options for various kinds of residential and investment properties, such as single-family houses and condos. These lending options range from FHA or VA loans to mortgages with fixed, adjustable, and hybrid interest rates. Its mortgage professionals also assist mortgagors in refinancing their lending programs for debt consolidation or lowered terms. Managing senior broker Tuan Vo previously worked as the vice president of the mortgage lending department at the Bank of America.

License Verified:

License: 338656

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 (317)

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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Rainbow Funding logo
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License Verified:

License: 1829567

Nationwide Multistate Licensing System and Registry

Rainbow Funding

6658 Thornton Avenue, Newark, CA 94560
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  • New Construction

Business Description

Rainbow Funding is a non-affiliated, family-operated mortgage brokerage that helps Redwood City residents get the right loan for their needs. It assists borrowers, whether they need a loan for a home purchase or to refinance their homes. Although established five decades ago, the agency takes a modern and personalized approach. It provides in-person and remote options, such as phone and video consultations. Loan progress can be tracked via its secure online portal and most documents can be signed digitally.

License Verified:

License: 1829567

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 (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
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Real Estate Exchange logo
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License Verified:

License: 1698411

Nationwide Multistate Licensing System and Registry

Real Estate Exchange

255 Shoreline Dr, Suite 300, Redwood Shores, CA 94065
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  • Refinance

Business Description

Since 2015, Real Estate Exchange has been taking care of clients looking to buy or sell a home in Redwood City and the surrounding areas. Its team of mortgage brokers offers a wide variety of loan options, including conventional, jumbo, FHA, and VA loans, for first-time homebuyers. They also provide refinancing loan programs for borrowers with existing mortgages who want to get better rates. Real Estate Exchange has been featured on Bloomberg, The New York Times, The Wall Street Journal, and Forbes.

License Verified:

License: 1698411

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
Facebook
4.1 / 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.
4.0
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––
Realtor Elena logo
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License Verified:

License: 1054353

Nationwide Multistate Licensing System and Registry

Realtor Elena

969 G Edgewater Blvd, #878, Foster City, CA 94404
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  • Refinance

Business Description

Realtor Elena caters to clients in Redwood City and the surrounding areas who seek mortgage solutions. Owner and broker Elena Wyman offers various mortgage products and maintains an online catalog of property assets for sale on the open market. She negotiates purchase transactions and checks the circumstances of each buyer to determine the programs they qualify for. The office also works with sellers who wish to cash out on their investments. Elena Wyman is bilingual and can also cater to speakers of Russian.

License Verified:

License: 1054353

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

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
Reverse Mortgages Only logo
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License Verified:

License: 342659

Nationwide Multistate Licensing System and Registry

Reverse Mortgages Only

40 Birch Street, Suite C, Redwood City, CA 94062
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  • New Construction

Business Description

Reverse Mortgages Only caters to homeowners and seniors throughout Redwood City and the surrounding areas. The company provides customers with reverse mortgage loan programs, which include those regulated by the U.S. Department of Housing and Urban Development and the Federal Housing Administration. Reverse Mortgages Only has been helping clients with their mortgage needs since 2004. Its principal, Judy Schwartz, used to work as a regular contributor to the San Francisco Examiner’s Senior Spotlight section.

License Verified:

License: 342659

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 (20)
Facebook
4.0 / 5 (6)
Serenity Home Loans logo
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License Verified:

License: 1952090

Nationwide Multistate Licensing System and Registry

Serenity Home Loans

3875 Bohannon Dr, #2520, Menlo Park, CA 94026
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  • Refinance

Business Description

For over 20 years, Serenity Home Loans has been guiding Redwood City residents throughout the financing process. It assists clients in obtaining fixed-rate mortgage loans to purchase high-end manufactured homes in California parks. Its loan officer, Bob Arabian, also offers refinancing options for borrowers seeking to lower their monthly payments or cash out to pay off high-interest debts. He helps clients determine the option that fits their finances, history, and needs. Arabian is also affiliated with the Craigville Mortgage Group.

License Verified:

License: 1952090

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

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
University Investments logo
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License Verified:

License: 312162

Nationwide Multistate Licensing System and Registry

University Investments

2799 Middlefield Rd, Palo Alto, CA 94301
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  • Refinance
  • New Construction

Business Description

University Investments is a real estate financing company that serves clients in Redwood City and nearby areas. It offers purchase, refinance, and equity loans, working with clients from pre-qualification and loan selection to approval and closing. It provides fixed and adjustable mortgage rates. Its team conducts consultations and assesses clients' long-term goals and current financial situations and educates them on the loan process. University Investments has closed over $7 billion worth of mortgage loans since it was established in 1993.

License Verified:

License: 312162

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 (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
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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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