Expertise.com

2024

Last updated:

Best Mortgage Brokers in San Diego

Our Recommended Top 18

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

327Reviewed

203Curated

18Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
4747 Morena Boulevard, San Diego, CA 92117
  • Refinance

Why choose this provider?

Timothy Gray is a loan officer at Mortgage Alliance Group in San Diego who helps his clients understand the loan process and various loan terms. He assists customers with purchasing a home and refinancing a mortgage. Timothy also offers a broad range of loan options, including fixed-rate and adjustable-rate mortgages, home renovation loans, FHA loans, VA loans, balloon mortgages, and renovation loans for additional accessory dwelling units. In addition, Mortgage Alliance Group handles reverse and graduated payment mortgages.

License Verified:

License: 330730

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 (21)
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
3655 Avocado Boulevard, La Mesa, CA 91941
  • Refinance

Why choose this provider?

BRIK Home Loans is a family-owned and family-operated, full-service mortgage broker company catering to San Diego residents and its surrounding areas. The company's principals have over 20 years of mortgage business experience. They have helped their clients find loan options that fit their needs whether it is buying a new home, cashing out, or just getting a better rate or term. The company offers conventional, FHA, VA, USDA, and jumbo loans. Loan provisions for first-time homebuyers are also available.

License Verified:

License: 1332699

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
Zillow
5.0 / 5 (53)
Google
5.0 / 5 (38)
Yelp
5.0 / 5 (29)

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
9750 Miramar Road, San Diego, CA 92126
  • Refinance

Why choose this provider?

GHI Mortgage was founded in 2003 in San Diego and has since built a reputation as an "outstanding full-service mortgage lending firm." The company serves as a direct lender and can therefore process, underwrite, close, and fund all loans without relying on external companies. The company's team works to build life-long relationships with customers through the core values of integrity and professionalism. Loan options available include fixed-rate mortgages, conforming loans, FHA and VA government loans, jumbo loans, and conventional loans. State and local housing programs are also available.

License Verified:

License: 275260

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
Zillow
5.0 / 5 (44)
Yelp
4.0 / 5 (13)
Facebook
5.0 / 5 (5)

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
3594 Adams Avenue, San Diego, CA 92116
  • New Construction
  • Refinance

Why choose this provider?

The GreenHouse Group is a mortgage planning firm that serves home buyers and owners in San Diego. Whether clients need assistance in purchasing or refinancing loans, its team customizes plans and helps them throughout the process, from underwriting qualifications to shopping for programs from different lending institutions. In addition, The GreenHouse Group provides real estate consultation services for home buyers and sellers. Its co-founder, Jeremy Beck, has been offering financing solutions for more than 12 years.

License Verified:

License: 366847

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
Yelp
5.0 / 5 (334)
Google
4.0 / 5 (51)
Facebook
4.0 / 5 (28)

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
814 Morena Boulevard, San Diego, CA 92110
  • New Construction

Why choose this provider?

Community Mortgage is a San Diego-based mortgage brokerage firm that has been providing its clients with competitive mortgage options since 2009. This group of loan specialists specializes in VA loans, FHA loans, and conventional fixed-rate loans with a constant interest rate. It evaluates the client's needs and goals to formulate a refinancing plan specific to the client's situation. Community Mortgage aims to provide transparent services in all aspects of the lending process. The company ensures that borrowers are well-informed of their options to make better decisions.

License Verified:

License: 908271

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 (117)
Yelp
5.0 / 5 (43)
Facebook
5.0 / 5 (17)

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
San Diego, CA
  • Refinance

Why choose this provider?

Transparent Mortgage is a San Diego company owned by a mortgage broker with 12 years of industry experience. The company was founded to offer customers a trusted partnership and to make the mortgage or home loan application process as easy and transparent as possible. The company's team strives to empower homeowners and to adhere to the core values of communication, integrity, and operational efficiency. The business was voted San Diego's Best by U-T Readers' poll in 2015. The company helps customers qualify for home purchase loans, mortgages, and refinance loans. There are no upfront appraisal fees and the company promises to provide its clients with daily, personalized status updates throughout the process.

License Verified:

License: 249552

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 (129)

Website
San Diego, CA
  • Refinance

Why choose this provider?

Agave Home Loans assists San Diego homebuyers by shopping and comparing lenders across the local market. Its mortgage brokers help new and experienced homebuyers in making informed financial decisions by keeping an open line of communication and constant support throughout the loan process. It also uses special software that sifts through the various offerings of over 50 lenders. It offers conventional, FHA, non-QM, and VA loan options. Agave Home Loans also helps clients with refinancing their loans.

License Verified:

License: 1951574

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 (91)
Zillow
5.0 / 5 (73)
Yelp
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
Responsiveness
Friendliness
Helpfulness
Detail

Website
San Diego, CA
  • Refinance

Why choose this provider?

United Wholesale Funding, Inc., is a full-service mortgage financing company that serves customers in San Diego. It assists individuals, families, and real estate investors in acquiring new residential properties through a home mortgage loan. Its brokers connect with multiple lenders that can provide different home loan products, such as conventional, FHA, VA, jumbo, and reverse mortgage plans. The group also helps existing homeowners to reduce monthly payments and pay off debts easier through mortgage refinancing. The company aims to leverage technology in all its services.

License Verified:

License: 1501423

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.
4.4
Zillow
4.9 / 5 (14)
Google
4.0 / 5 (13)
Yelp
3.0 / 5 (2)

(+1 additional source)

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
––

Website
8954 Rio San Diego Drive, San Diego, CA 92108
  • New Construction
  • Refinance

Why choose this provider?

Gary Jackson helps homebuyers in San Diego navigate the process of residential mortgages. His experience in residential mortgage began in 1996 when he became a loan officer. Gary aims to apply his industry experience and knowledge to understand each client's unique situation and provide them with different financing options to address their mortgage goals. He works with Intercap Lending, which offers a variety of loan programs, including conventional and federally backed loans, as well as specialty programs, such as reverse mortgages, downpayment assistance, and 203k loans.

License Verified:

License: 258869

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
Zillow
5.0 / 5 (115)
Google
5.0 / 5 (57)
Yelp
5.0 / 5 (21)

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
10509 Vista Sorrento, #400, San Diego, CA 92121
  • Refinance

Why choose this provider?

Imad Canavati is a mortgage loan originator serving individuals throughout Redwood City and the surrounding communities. He specializes in helping clients achieve their home financial goals by assisting them in choosing various loan options, including FHA and jumbo. He also offers mortgage refinancing solutions for homeowners wishing to change their terms or lower their payments. Reverse mortgage services are also available for senior citizens. Imad has been handling mortgage matters for more than two decades.

License Verified:

License: 290056

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 (56)
Zillow
5.0 / 5 (20)
Yelp
5.0 / 5 (13)

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
2878 Camino del Rio South, San Diego, CA 92108
  • Refinance

Why choose this provider?

Maureen Martin is a San Diego-based mortgage loan originator who caters to clients throughout the local metro and all of California. She sets up FHA mortgage programs for first-time homebuyers and loans backed by the VA for current or former military service personnel. Maureen also offers reverse mortgages to senior homeowners who want to convert a portion of their home's equity into cash. She educates clients on other programs, including conventional and jumbo loans. She has over 23 years of experience in the industry.

License Verified:

License: 247664

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 (105)
Yelp
5.0 / 5 (77)
Zillow
5.0 / 5 (23)

(+1 additional source)

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
3930 Oregon Street, San Diego, CA 92104
  • Refinance

Why choose this provider?

Grander Home Loans is a San Diego-based team of mortgage brokers that educates homebuyers on various loan options, from jumbo, conventional, high balance, and VA to FHA government mortgages. They are committed to guiding clients during the entire process, from finding programs with suitable combinations of terms and rates to providing loan application updates regularly. Grander Home Loans' mortgage specialists are certified LendingTree professionals. The brokerage firm also has an office in Lanai City, Hawaii.

License Verified:

License: 1345190

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 (228)
Yelp
5.0 / 5 (61)
Zillow
5.0 / 5 (11)

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
2468 Historic Decatur Road, San Diego, CA 92106
  • New Construction
  • Refinance
  • Reverse Mortgages

Why choose this provider?

Robert Johnson is a mortgage broker and the Vice President for Lending of San Diego Funding. Rob has been serving the San Diego metro and the surrounding areas for more than 27 years. He has extensive knowledge of loan policies relating to FHA, VA, Fannie Mae (FNMA), and Freddie Mac (FHLMC) financing. He is also a 12-time consecutive winner of the Five Star Mortgage Professional, an award provided by the San Diego Magazine.

License Verified:

License: 261482

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 (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
Responsiveness
Friendliness
Helpfulness
Detail

Website
4542 Ruffner Street, San Diego, CA 92111
  • Refinance

Why choose this provider?

Founded in 2004, the DACA Financial Group is a full-service company that provides a variety of financial solutions involving mortgages, investments, taxes, trusts, and real estate to individuals, families, and companies in San Diego. It has a network of lenders that helps individuals with home purchasing and refinancing. DACA Financial Group also has a staff of financial consultants, insurance agents, tax professionals, and Realtors who are committed to helping clients with their finances, insurances, taxes, and real estate transactions.

License Verified:

License: 244257

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 (19)
Facebook
5.0 / 5 (7)
Google
5.0 / 5 (4)

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
––

Website
409 Camino del Rio South, San Diego, CA 92108
  • Refinance

Why choose this provider?

Military Home Loans is a "VA home loan lender with a personal touch" in San Diego. The company is owned and operated by veterans Ken and Karen Bates, who seek to assist fellow veterans qualify for and find the best loans for their financial situations and future plans. The company works with home buyers in California, Washington, and Nevada and handles all paperwork to make the process as easy as possible. Customers can request a quote and submit a pre-qualification application directly on the company's website.

License Verified:

License: 1169242

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 (33)
Facebook
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
1940 Garnet Avenue, San Diego, CA 92109
  • New Construction
  • Refinance

Why choose this provider?

First Liberty Funding Corporation is a mortgage brokerage firm that serves San Diego and the surrounding areas. It offers home loan products for home buyers looking to purchase their first home and people looking to refinance an outstanding loan or consolidate their debt. Some of its services include fixed-rate mortgages, FHA and VA loans, rehab, USDA loans, jumbo loans, and investment property options. Additionally, First Liberty Funding Corporation also has products available for property investors like 15-year and 30-year loans.

License Verified:

License: 305360

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 (14)
Yelp
5.0 / 5 (5)

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
437 Ninth Avenue, San Diego, CA 92101
  • Refinance
  • Reverse Mortgages

Why choose this provider?

West End Mortgage Group is a mortgage broker that serves clients in San Diego. It offers a wide range of loan options for borrowers, including conventional home loans, VA jumbo loans, FHA loans, mortgage refinancing, piggyback mortgage loans, and FHA 600 FICO. As a mortgage broker, West End Mortgage Group can sell multiple loan products from various sources, and its loan specialists can provide objective recommendations to borrowers. The company also strives to provide clients loans that suit their needs at wholesale rates.

License Verified:

License: 01370625

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 (99)

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
8996 Miramar Road, San Diego, CA 92126
  • New Construction
  • Refinance

Why choose this provider?

Established in 1985, Morgan Home Funding Corporation is a family-owned mortgage brokerage based in San Diego. Its main focus is providing mortgage and refinancing options such as low-interest rates, down payment options, low closing costs, conventional home loans, home equity loans, FHA loans, VA loans, and refinancing.  Morgan Home Funding is a member of the California Mortgage Brokers Association and the Mira Mesa Chamber of Commerce. The company's founder, Caron Cain, has been in the mortgage brokerage industry for 40 years.

License Verified:

License: 320387

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 (75)
Facebook
5.0 / 5 (22)

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.