Expertise.com

2024

Last updated:

Best Mortgage Brokers in San Jose

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

247Reviewed

155Curated

18Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

497 North Santa Cruz Avenue, Los Gatos, CA 95030
WebsiteLicense: 256297

Expertise.com Rating

Review Sources

Yelp
5.0 (51)
Zillow
5.0 (19)
Facebook
5.0 (9)

Why choose this provider?

Robert Bachman is a mortgage professional affiliated with New American Funding that serves San Jose and the surrounding areas. He specializes in providing assistance with residential real estate purchases, refinancing, and home equity loans. He offers FHA loans, VA loans, Fannie Mae HomePath, jumbo loans, and non-conforming portfolio products. He is also experienced in the mortgage banking industry and in loan origination. Robert gives professional advice and support to clients helping them make sound home financing decisions.

  • New Construction
  • Refinance
  • Reverse Mortgages

275 Saratoga Avenue, Santa Clara, CA 95050
WebsiteLicense: 280238

Expertise.com Rating

Review Sources

Yelp
5.0 (21)

Why choose this provider?

Tina Elias is a loan officer at the mortgage brokerage The Loan Story. She assists her clients in finding and selecting a loan program that would best suit them. Elias also provides an analysis of their financial situation based on factors such as credit score, loan size, the type of property, and the type of transaction. Additionally, she deals with underwriting, closing documentation, and loan closing. Elias has more than 15 years of experience in the mortgage industry.

  • New Construction
  • Refinance

51 East Campbell Avenue, Campbell, CA 95008
WebsiteLicense: 287201

Expertise.com Rating

Review Sources

Yelp
5.0 (8)

Why choose this provider?

Rita Roysental is a senior mortgage consultant at Bayview Residential Broker that serves first-time and experienced homebuyers in San Jose and its surrounding areas. She provides professional assistance and guidance throughout the entire home refinancing and buying process. She also helps clients choose the right loan according to their needs. The company offers various programs that include reverse mortgage, fixed- and adjustable-rate, FHA, and VA loans. Rita is also a real estate agent with experience in the financial services industry.

  • Refinance

17500 Depot Street, Morgan Hill, CA 95037
WebsiteLicense: 1121558

Expertise.com Rating

Review Sources

Yelp
4.0 (24)
Facebook
5.0 (20)
Google
5.0 (2)

Why choose this provider?

Golden Eagle Mortgage Group offers brokerage services to homeowners in San Jose and neighboring communities. It helps first-time applicants understand different types of loan programs, from conventional to specialized options. These options include FHA, VA, jumbo, asset depletion, and 20-year mortgage programs. The group can also customize refinancing options for existing homeowners or those unsatisfied with their current loan programs. Golden Eagle Mortgage Group believes in giving back to the community and has held a toy drive for children in need.

  • Refinance

17760 Monterey Road, Suite C, Morgan Hill, CA 95037
WebsiteLicense: 288922

Expertise.com Rating

Review Sources

Google
4.9 (64)
Facebook
5.0 (10)

Why choose this provider?

Global Mortgage provides lending solutions to the people of San Jose and the surrounding areas. It works to facilitate the process for clients applying for a home purchasing or refinancing loan by guiding them and providing the tools they need. It offers a variety of financing options for first homes, new constructions, and investment properties. Some of the loan programs available are jumbo, conventional, non-QM, FHA, and USDA mortgages. Global Mortgage is affiliated with the California Association of Mortgage Professionals.

  • Refinance

1891 Second Street, Livermore, CA 94550
WebsiteLicense: 313231

Expertise.com Rating

Review Sources

Yelp
5.0 (12)

Why choose this provider?

Boyd Robinson is a loan officer at Welcome Home Funding, a mortgage firm that assists homeowners in San Jose. He offers different loan options that range from conventional loans to specialized types like USDA, jumbo, and FHA loans. He also provides access to modernized loan options like All In One, an offset type-mortgage solution, and HomeFundIt, a social media-style crowdfunding platform. Previous clients spoke highly of Boyd for his patience with first-time homeowners and his informative answers regarding mortgage concerns.

  • New Construction
  • Refinance

1900 McCarthy Boulevard, Milpitas, CA 95035
WebsiteLicense: 341756

Expertise.com Rating

Review Sources

Yelp
5.0 (5)

Why choose this provider?

Access Mortgage has been delivering residential mortgage solutions in San Jose and the surrounding areas since 1989. Its team is experienced in guiding clients throughout the transaction, including pre-approvals and closings. These mortgage professionals offer home loan solutions that are customized to individual financial situations and goals. They partner with more than 20 lenders to provide low-interest rates for home purchase, refinance, reverse mortgage, jumbo, and cash-out home loans. Additionally, Access Mortgage has convenient resources and tools to determine loan options and payment estimates.

  • Refinance

116 East Campbell Avenue, Campbell, CA 95008
WebsiteLicense: 327522

Expertise.com Rating

Review Sources

Yelp
5.0 (2)

Why choose this provider?

Stevensen & Neal Realtors Community Trust Mortgage is an agency that delivers funding services to individuals and families who dream of homeownership in San Jose and the surrounding areas. The company's broker, Mark W. Stevensen, provides a wide range of mortgage loan options. Home loan programs offered are fixed and adjustable rates, as well as FHA and VA loans. In addition, Stevensen & Neal Realtors Community Trust Mortgage serves the real estate needs of both buyers and sellers.

  • Refinance

1754 Technology Drive, San Jose, CA 95110
WebsiteLicense: 289969

Expertise.com Rating

Review Sources

Yelp
5.0 (187)

Why choose this provider?

Stephen Wong is a mortgage broker under BayOne Real Estate Investment Corp. helping San Jose homeowners find loan solutions for their purchase or refinancing needs. With experience in mortgages spanning 10 years, he is knowledgeable in the different areas of home loans, namely credit counseling, personal finance, and lending programs. Wong works with first-time homebuyers in identifying which loan options best fit their needs. He specializes in conventional loans, HARP programs, and PLUS loans.

  • Refinance

20 South Santa Cruz Avenue, Los Gatos, CA 95030
WebsiteLicense: 1766200

Expertise.com Rating

Review Sources

Yelp
5.0 (7)

Why choose this provider?

Commerce Home Mortgage - Los Gatos is a residential lender that has been in the industry since 1994. It comprises mortgage professionals who are capable of serving the financial needs of borrowers in San Jose and the surrounding communities. They help families achieve the dream of homeownership by offering traditional mortgage options, including conventional, reverse, jumbo, USDA, VA, and FHA. In addition, they provide non-traditional mortgage loans, such as alt-doc, prime plus, investor, and community mortgage.

  • New Construction
  • Refinance

1930 Camden Avenue, San Jose, CA 95124
WebsiteLicense: 01274093

Expertise.com Rating

Review Sources

Yelp
5.0 (37)
Google
5.0 (14)
Zillow
5.0 (6)

Why choose this provider?

Elva Wormley is a mortgage consultant with C2 Financial Corporation who serves the San Jose metro and the surrounding areas. She offers loan services for homebuyers such as fixed-rate mortgages, adjustable-rate mortgages, balloon mortgages, stated income programs, imperfect credit programs, and first-time buyers programs. Elva has been in the mortgage industry since 1981, and nearly 80% of her business comes from satisfied clients' referrals. She guides them throughout the entire process and presents all available options, allowing clients to make informed financial decisions.

  • Refinance
  • Purchase Transactions

1100 Lincoln Avenue, San Jose, CA 95125
WebsiteLicense: 238044

Expertise.com Rating

Review Sources

Yelp
5.0 (18)
Google
5.0 (9)
Facebook
5.0 (5)

Why choose this provider?

Todd Flesner is a senior loan officer based in San Jose. He specializes in a wide range of financing options, including construction, investment property, jumbo, and VA loans. Whether clients are purchasing or refinancing mortgages, he is committed to guiding them throughout the lending process, from coordinating with the title company and underwriters to closing. Flesner, who has been working in the mortgage industry since 1999, has a background in nonprofit management. He also used to work at the YMCA.

  • New Construction

500 East Calaveras Boulevard, Milpitas, CA 95035
WebsiteLicense: 1157733

Expertise.com Rating

Review Sources

Yelp
5.0 (5)

Why choose this provider?

Platinum Realty Group And Finance, Inc., is a mortgage broker assisting clients in San Jose with their financial concerns and needs. Particularly, its loan brokers and agents help residential clients who are planning to purchase, sell, or refinance their homes by guiding them through the mortgage process and real estate transaction. The company was established with the mission to provide financial services that focus on the individual needs of its clients. Platinum Realty Group and Finance founder Kelly Yip has been serving the real estate and mortgage industry since 2012.

  • New Construction
  • Refinance

275 Saratoga Avenue, Santa Clara, CA 95050
WebsiteLicense: 280923

Expertise.com Rating

Review Sources

Yelp
5.0 (21)
Google
5.0 (9)
Facebook
5.0 (2)

Why choose this provider?

Franny Yen is a mortgage specialist for The Loan Story, serving San Jose and the Silicon Valley area. She has over 20 years of experience assisting clients in their refinancing, purchase loans, mortgage plannings, loan processing, and even credit score boosting. Currently, her focus is on long-term home loan programs such as fixed-rate mortgages, adjustable-rate mortgages, and investor loans. Most clients. Past clients often mention their appreciation of her attention to detail and her transparency in dealing with them.

  • New Construction

275 Saratoga Avenue, Santa Clara, CA 95050
WebsiteLicense: 295351

Expertise.com Rating

Review Sources

Yelp
5.0 (12)
Facebook
5.0 (7)
Google
5.0 (1)

Why choose this provider?

Michael Ryan is a mortgage broker who serves clients in San Jose. He offers loan options for borrowers, such as fixed-rate refinance and purchase home loans, reverse mortgage loans, commercial and SBA financing, VA and FHA home loans. He has more than 30 years of experience in the industry. He is committed to ensuring that his clients receive the loans that suit their needs by monitoring international and national interest rate movements. He is also familiar with the interaction between loans and real estate purchase agreements, appraisals, and underwriting.

  • New Construction
  • Reverse Mortgages

1625 The Alameda, San Jose, CA 95126
WebsiteLicense: 331340

Expertise.com Rating

Review Sources

Yelp
5.0 (34)

Why choose this provider?

Established in 1990, Mortgage Magic is a San Jose-based mortgage brokerage firm. The firm can assist clients in acquiring an array of financing options, ranging from HELOC and reverse mortgage to jumbo loans and adjustable rate mortgages. Its loan officers have an average of 14 years of industry experience. The company has helped nearly 700 clients achieve their mortgaging needs. Mortgage Magic has received the Golden Kettle award from Salvation Army and has been previously featured in The Business Journal.

  • Reverse Mortgages

1630 Oakland Road, San Jose, CA 95131
WebsiteLicense: 236095

Expertise.com Rating

Review Sources

Yelp
5.0 (9)
Zillow
5.0 (8)
Facebook
5.0 (6)

Why choose this provider?

Founded in 2007, GoldenPoint Finance is a San Jose-based mortgage brokerage offering loan packages to commercial and residential clients. The company provides programs based on clients' financial plans and needs. Owner Trisha La offers 18 years of real estate and mortgage experience. She partners with various lenders to accommodate every individual's loan concerns. She offers adjustable-rate mortgages, fixed-rate mortgages, FHA loans, and jumbo loans. Additionally, loan programs for apartments, construction, and multi-family homes are available.

  • Commercial Loans

1952 Camden Avenue, San Jose, CA 95124
WebsiteLicense: 322146

Expertise.com Rating

Review Sources

Zillow
5.0 (49)
Google
5.0 (32)
Yelp
5.0 (29)

Why choose this provider?

Crystal Estates is a mortgage brokerage firm located in San Jose with over 14 years of experience in the industry. The firm works with various lenders to help clients determine mortgage loan options that best suit their unique situations. Crystal Estates provides guidance in securing loans including purchase loans and refinances. The firm is headed by Thai Nguyen, who has over a decade of professional experience and aims to help a range of clients from first-time buyers to experienced investors.

  • Refinance

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.