Best Mortgage Brokers in Richmond

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C2 Financial Corporation logo

C2 Financial Corporation

2950 Buskirk Avenue Suite 300, Walnut Creek, CA 94597
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  • Refinance
  • New Construction

C2 Financial Corporation is a mortgage brokerage serving homeowners and first-time home buyers in Richmond. It offers products and services to help clients purchase or refinance their homes, including VA and FHA loans. Its mortgage consultant, Chris Hudson, has more than 16 years of industry experience. He provides consultations to obtain a thorough understanding of clients' income, debts, and financial goals. Chris also works with processors and lenders to facilitate transactions that meet the conditions of obtaining home financing.

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Darlene Espinoza logo

Darlene Espinoza

177 Military East, Benicia, CA 94510
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  • Refinance

Darlene Espinoza is a mortgage broker serving Richmond. She caters to those looking to renovate their loan, purchase an investment property, or refinance their current mortgage. Espinoza works closely with clients to understand their priorities and goals and offers a home loan that fits their situation. These loan options include conventional, jumbo, FHA, and VA. She maintains open communication with her clients throughout the process to address their questions and work with them to reach their goal of obtaining financial stability and security.

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E3 Realty & Loans logo

E3 Realty & Loans

2157 Country Hills Drive, Suite 206, Antioch, CA 94509
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  • Refinance

E3 Realty & Loans is an all-encompassing real estate and finance firm. It serves the Richmond community, helping individuals and families realize their dreams of homeownership through mortgage solutions. Its team of loan officers assists homebuyers in navigating the mortgage processes of loan options such as VA, FHA, USDA, Conventional, and 203(k). They also guide them in getting pre-qualified. Property owners can also rely on E3 Realty & Loans for their refinancing needs that meet their specific scenario.

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Erick Berthaldan logo

Erick Berthaldan

1900 Mountain Blvd, Oakland, CA 94611
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  • Refinance

Erick Berthaldan serves the mortgage needs of clients in Richmond and its surrounding areas. The professional offers a wide array of loan options, such as 15- and 30-year fixed-rate mortgages, as well as 5-, 7-, and 10-year adjustable-rate mortgages. In addition, he provides assistance with FHA, VA, jumbo, and interest-only loans. Erick Berthaldan is the vice president for mortgage lending of Guaranteed Rate. He has more than a decade of experience working with first-time homebuyers.

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Fif Ghobadian logo

Fif Ghobadian

345 California Street, Suites 600 & 700 Office Sfocal028, San Francisco, CA 94104
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  • Refinance

Fif Ghobadian has been offering various mortgage and lending options in Richmond as a mortgage consultant for OriginPoint since 2004. She uses her background in the finance industry to provide applicants with comprehensive guidance in assessing their financial means and goals for the sale, purchase, and refinancing of properties. Through OriginPoint's partnership with Compass and Guaranteed Rate, she also connects clients to digital platforms that streamline loan application processes and offer access to statistics and data from markets across the country.

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Fivepoint Realty + Mortgage logo

Fivepoint Realty + Mortgage

369 Suite B Third Street # 410, Larkspur, CA 94939
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  • New Construction

Fivepoint Realty + Mortgage is a local brokerage that offers financial services to Richmond residents. It has a variety of loan options for clients looking to purchase, refinance, and improve their homes and other properties. Available policies include fixed- and adjustable-rate mortgages, as well as jumbo, FHA, VA, and USDA loans. The brokerage is led by Shanaz and Shaman Ajmani, an experienced duo of Realtors and mortgage loan originators with more than a decade of combined industry experience.

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Golden Gate Lending Group logo

Golden Gate Lending Group

1680 Tiburon Blvd Unit 9, Tiburon, CA 94920
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  • Refinance
  • New Construction

Golden Gate Lending Group handles the mortgage needs of clients throughout Richmond and the surrounding areas. The mortgage firm provides customized loan solutions to aid clients in their goal of homeownership, whether they are first-time homebuyers or experienced real estate investors. Loan options include private money investment and owner-occupied, cash flow, private second mortgage, group bridge, and private construction loans. Founder Sofia Nadjibi is a Certified Mortgage Planner with two decades of experience in the industry.

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Griselda Ledesma & The Ledesma Team Mortgage & Real Estate logo

Griselda Ledesma & The Ledesma Team Mortgage & Real Estate

12553 San Pablo Avenue, Richmond, CA 94805
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  • New Construction

Griselda Ledesma & The Ledesma Team Mortgage & Real Estate is a Richmond-based firm that serves local individuals and families, including Spanish speakers. Ledesma and her staff handle applications involving refinancing programs for those who seek cash-out options, improved interest rates, and opportunities for debt consolidation. They use their firsthand knowledge of local interest rates and marketing trends and have over a century of combined experience. To date, they have financed more than 5,000 units in the local region.

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Larry Martinez logo

Larry Martinez

4304 Redwood Hwy #100, San Rafael, CA 94903
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  • Refinance
  • New Construction

Larry Martinez is a broker that helps clients in Richmond and nearby communities obtain mortgages, whether they are purchasing homes for the first time or looking to invest in a new one. He also handles refinancing and reverse mortgages and strives to simplify the loan process by offering resources on buying and selling properties for borrowers. Larry Martinez is an equal housing lender and is part of California Mortgage Advisors, Inc., which has been in business since 1993.

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Made Mortgage, Inc. logo

Made Mortgage, Inc.

1209 34th St, Oakland, CA 94608
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  • Refinance

Made Mortgage, Inc., caters to individuals and families in Richmond and its surrounding areas. It assists clients in applying for new-purchase loans or refinancing their existing mortgages. Potential homeowners receive options depending on their unique needs and circumstances after submitting a simple mortgage pre-approval letter request. These include fixed-rate mortgages, adjustable-rate mortgages, and jumbo, FHA, VA, and USDA loans. The owner of the company, Scott Nguyen, has more than 10 years of experience in the industry.

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Newfi logo

Newfi

2200 Powell St, Suite 340, Emeryville, CA 94608
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Newfi caters to the financial planning needs of clients in the Richmond metro by utilizing a simple, tech-forward process. The firm’s team of professionals offers a wide variety of loan products, including adjustable-rate and second, as well as 40-, 30-, and 15-year mortgages. It also handles FHA, VA, jumbo, and DSCR cash flow loans. In addition, it has flexible mortgage options for self-employed borrowers. The company has provided more than $5 billion worth of funds.

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Platinum Home Mortgage - Richmond logo

Platinum Home Mortgage - Richmond

2938-B Hilltop Mall Road, Richmond, CA 94806
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Platinum Home Mortgage offers a variety of loan options for clients in Richmond and nearby areas, including those who speak Spanish. Its team is led by Ricardo Ramos, who has over two decades of experience assisting individuals and families with refinancing and home buying. Ramos and his colleagues assess clients' long-term financial needs and goals, as well as their eligibility for specific loans, in direct consultations. They currently provide customized mortgage services in at least 50 states.

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SearchLight Lending logo

SearchLight Lending

1300 Fourth Street, San Rafael, CA 94901
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  • Reverse Mortgages

SearchLight Lending is a full-service broker serving Richmond and its surrounding areas. Its team of loan processors and agents assists residential customers in refinancing an existing mortgage. Working with more than 100 direct banks and lenders, it provides reverse, conventional, FHA, jumbo, and Fannie or Freddie mortgage programs. Correspondence, wholesale, and private money loans are also available. SearchLight Lending, a California Association of Mortgage Professionals member, has funded $2 billion for more than 3,000 clients.

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Vintage Home Loans logo

Vintage Home Loans

344 Division St #100, Pleasanton, CA 94566
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  • Refinance

Whether purchasing or refinancing their properties, Vintage Home Loans guides Richmond residents through the mortgage process. The firm focuses on conventional and government home loans, such as FHA, USDA, and VA. It assigns a mortgage loan originator to help people find products that meet their needs. One of the company’s specialists, Alex Gonzalez, has been working in the banking and finance industry since 1982. He utilizes his experience and relationships within the accounting, financial planning, lending, and real estate communities to assist his clients.

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Frequently Asked Questions

Q: Do mortgage brokers need to be licensed?

A: 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.

Q: Is it difficult to pass the mortgage brokers’ test?

A: 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.

Q: What is a surety bond for mortgage brokers?

A: 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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