Expertise.com
2024

Last updated:

Best Mortgage Brokers in Salinas

Our Recommended Top 10

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

48

Reviewed

32

Curated

10

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
221 North Main Street, Salinas, CA 93901
  • Refinance
  • Commercial Loans

Why choose this provider?

All California Mortgage, established in 1992, provides an extensive portfolio of services under mortgage lending. It offers financing program options and its mortgage sources cover purchasing, refinancing, commercial lending, and construction loans. Its lending specialists assist with mortgage pre-approval so home purchasers can focus on selecting a property with the guidance of a loan officer and a real estate agent. All California Mortgage's Salinas location is overseen by senior mortgage advisors Mike McKinney and MJ Viglizzo. The latter holds over 25 years of experience in the industry.

License Verified:

License: 1850

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
3 Winham Street, Salinas, CA 93901
  • Refinance

Why choose this provider?

Loans By CMS is a mortgage company operating in Salinas. It assists individuals who are purchasing, selling, refinancing, or building a home to determine the type of loan program they need. Different types of loan options are available, such as USDA, FHA, VA, jumbo, and adjustable rate. Its website provides a wide range of guidance for clients to execute the loan process, including customized mortgage rate comparisons, refinance analysis, and an online loan application form.

License Verified:

License: 2007956

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 (35)
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
838 South Main Street, Salinas, CA 93901
  • Reverse Mortgages

Why choose this provider?

Treehouse Mortgage Group is a full-service mortgage company with a location in Salinas. For over two decades, it has been serving first-time home buyers, property investors, and homeowners building or reconstructing their homes. The list of mortgage products it offers includes conventional loans, jumbo loans, FHA loans, and HECM & jumbo reverse mortgages. Along the process, Treehouse Mortgage Group loan officers assist each client with pre-qualification needs, selection of the best loan program, and updates on the loan progress.

License Verified:

License: 150751

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 (45)
Facebook
4.6 / 5 (9)
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

Website
210 Capitol Street, Salinas, CA 93901
  • New Construction

Why choose this provider?

Steve Malvini is a mortgage broker that has been serving Salinas and the surrounding areas for over 23 years. Malvini personally educates and guides his clients in mortgage and loan options they can avail of, including FHA, USDA, and VA loans. He is also a licensed real estate broker that has been providing services for over 14 years. Additionally, Malvini offers tax preparation services and business consultation. When he isn't assisting real estate clients, Malvini manages his family-owned restaurant.

License Verified:

License: 354557

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)
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

Website
15570 Weather Rock Way, Salinas, CA 93908
  • Refinance

Why choose this provider?

Seraph Rates is a mortgage brokerage led by broker Aimee Grijalva that serves clients in Salinas and the surrounding areas. It works with multiple banks to provide clients access to a variety of loan programs. It also assists borrowers with credit scores as low as 400 or who had major credit events. Seraph Rates offers a same-day loan approval process and a one-month bank statement program that can be availed by first-time homebuyers for condo units or townhouses.

License Verified:

License: 391642

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)
Facebook
5.0 / 5 (3)
Google
5.0 / 5 (2)

Website
12 West Gabilan Street, Salinas, CA 93901
  • Refinance

Why choose this provider?

Steinbeck Mortgage, Inc., is an independent mortgage brokerage firm serving the Salinas metro area and nearby localities. The company provides a wide array of mortgage financing solutions for homebuyers, owners, and residential investors. Its mortgage loan originators deliver different types of home loans, including conventional, Reverse, HECMs, FHA, and VA loans. The team also assists clients in eliminating their monthly private mortgage insurance through refinancing. Together with its partner company Steinbeck Real Estate, Inc., the firm has been serving clients since 2013.

License Verified:

License: 1091849

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
Google
4.0 / 5 (17)
Facebook
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
155 East Main Avenue, Morgan Hill, CA 95037
  • Refinance

Why choose this provider?

Guild Mortgage is a company that has been serving customers in Salinas and the surrounding areas since 1960. It is an independent mortgage lender that specializes in residential home loans. It strives to provide customers with quick processing through loan officers with knowledge of the industry. Products offered by the company include jumbo, conventional, FHA, VA, and USDA loans. The company also has partnerships with builders, real estate professionals, and title agents. Branch manager Janene Towner Chernoff has 35 years of mortgage experience.

License Verified:

License: 3274

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
Facebook
4.0 / 5 (829)

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
422 Salinas Street, Salinas, CA 93901
  • New Construction

Why choose this provider?

Harris Mortgage is a company in Salinas with more than 18 years of experience in the lending business. It provides clients with a variety of loan options including conventional loans, down payment assistance loans, USDA loans, VA loans, FHA loans, and alternative loans. The experienced loan officers at Harris Mortgage help borrowers choose the right loan for their family's needs and provide them assistance even after settlement. Clients can submit their loan applications online through the company's website.

License Verified:

License: 353363

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.
4.6
Facebook
5.0 / 5 (10)
Google
4.0 / 5 (8)

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
22581 Murietta Road, Salinas, CA 93908
  • Reverse Mortgages

Why choose this provider?

Platinum Capital Mortgage is a brokerage that serves the individuals and businesses in Salinas, other cities in California, Colorado, and Florida. The full-service mortgage company offers its clients FHA loans, VA loans, USDA loans, jumbo loans, high-balance loans, and conventional loans. It also provides reverse mortgages, commercial loans, construction loans, DSCR Loans for landlords, and non-QM Loans for self-employed borrowers. The owner of Platinum Capital Mortgage, Michael Rodriguez, has more than 25 years of experience in the industry.

License Verified:

License: 386508

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)
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
1880 North Main Street, Salinas, CA 93906
  • New Construction
  • Refinance

Why choose this provider?

Capitol Mortgage is a California-based mortgage brokerage serving families and individuals in Salinas and nearby communities. The company employs "common sense" in approaching each client's case instead of following a loan profile formula, as it believes in treating each client as an individual and not merely a number. Its team works with over a hundred investors, which affords them the capacity to obtain competitive rates for various loan programs—including 30-year mortgages, adjustable-rate mortgages, home equity lines, and conventional loans.

License Verified:

License: 635963

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 (129)
Facebook
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

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.