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Best Mortgage Brokers in Salinas

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

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.

221 North Main Street, Salinas, CA 93901
Salinas, CA 93901

Website(800) 371-4545

Show Number

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

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

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.

1880 North Main Street, Salinas, CA 93906
Salinas, CA 93906

Website(831) 449-1227

Show Number

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.

Online Profiles:

2 (Better)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

162 (Best)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: --

155 East Main Avenue, Morgan Hill, CA 95037
Morgan Hill, CA 95037
  • Refinance

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.

155 East Main Avenue, Morgan Hill, CA 95037
Morgan Hill, CA 95037

Website(800) 365-4441

Show Number

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.

Online Profiles:

1 (Good)

Average Review Score:

4 / 5 ( Best)

Total Reviews:

829 (Best)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

422 Salinas Street, Salinas, CA 93901
Salinas, CA 93901
  • New Construction

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.

422 Salinas Street, Salinas, CA 93901
Salinas, CA 93901

Website(831) 769-9400

Show Number

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.

Online Profiles:

2 (Better)

Average Review Score:

4.6 / 5 ( Best)

Total Reviews:

18 (Better)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

3 Winham Street, Salinas, CA 93901
Salinas, CA 93901
  • Refinance

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.

3 Winham Street, Salinas, CA 93901
Salinas, CA 93901

Website(831) 676-0937

Show Number

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.

Online Profiles:

2 (Better)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

36 (Best)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

22581 Murietta Road, Salinas, CA 93908
Salinas, CA 93908
  • Reverse Mortgages

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.

22581 Murietta Road, Salinas, CA 93908
Salinas, CA 93908

Website(831) 229-1116

Show Number

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.

Online Profiles:

2 (Better)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

13 (Better)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

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

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.

15570 Weather Rock Way, Salinas, CA 93908
Salinas, CA 93908

Website(831) 402-2390

Show Number

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.

Online Profiles:

3 (Best)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

9 (Good)

Score Consistency:

Consistent (Best)

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

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.

12 West Gabilan Street, Salinas, CA 93901
Salinas, CA 93901

InstagramWebsite(831) 417-1000

Show Number

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.

Online Profiles:

2 (Better)

Average Review Score:

4.2 / 5 ( Best)

Total Reviews:

20 (Better)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

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

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.

210 Capitol Street, Salinas, CA 93901
Salinas, CA 93901

Website(831) 758-5667

Show Number

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.

Online Profiles:

2 (Better)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

4 (Good)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

838 South Main Street, Salinas, CA 93901
Salinas, CA 93901
  • Reverse Mortgages

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.

838 South Main Street, Salinas, CA 93901
Salinas, CA 93901

Website(831) 645-1177

Show Number

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.

Online Profiles:

3 (Best)

Average Review Score:

4.9 / 5 ( Best)

Total Reviews:

56 (Best)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

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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