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Best Mortgage Brokers in San Jose

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101 Loan logo
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License Verified:

License: 121019

Nationwide Multistate Licensing System and Registry

101 Loan

6020 Hellyer Avenue, San Jose, CA 95138
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  • Commercial Loans
  • Reverse Mortgages

Business Description

101 Loan is a mortgage brokerage that serves clients in San Jose and its surrounding areas. The company guides them in choosing the right mortgage loans based on their preferences and budget. Led by Rob McCarthy, a senior mortgage planner, the business specializes in reverse mortgage, purchasing, refinancing, and commercial financing. Some of its programs include FHA and VA loans. 101 Loan has been helping residential and commercial clients with their financing needs for more than 27 years.

License Verified:

License: 121019

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 (148)
Google
5.0 / 5 (32)
Facebook
5.0 / 5 (11)
Access Mortgage logo
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License Verified:

License: 341756

Nationwide Multistate Licensing System and Registry

Access Mortgage

1900 McCarthy Boulevard, Milpitas, CA 95035
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  • Refinance

Business Description

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.

License Verified:

License: 341756

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 (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
All Cal Financial logo
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License Verified:

License: 1879009

Nationwide Multistate Licensing System and Registry

All Cal Financial

2571 South Main Street, Soquel, CA 95073
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  • Refinance

Business Description

All Cal Financial is a company that provides mortgage brokerage services to residents of San Jose. It was founded by Jim Black, who is also one of the loan officers of the company. It offers different loan options, including highly customized financial lending solutions to meet the unique needs of its clients. Its team will help clients with mortgage prequalification and determine how their credit score looks before they even look for their first potential house.

License Verified:

License: 1879009

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 (38)
Yelp
5.0 / 5 (20)
Facebook
5.0 / 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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Bay Area Loan, Inc. logo
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License Verified:

License: 316881

Nationwide Multistate Licensing System and Registry

Bay Area Loan, Inc.

1401 Saint Francis Drive, San Jose, CA 95125
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  • Reverse Mortgages

Business Description

Bay Area Loan, Inc., is a mortgage brokerage providing services to San Jose and the surrounding areas. Its team of mortgage professionals helps clients purchase a home by providing consultation services and paperwork assistance. It works with loan officers to help clients find the right loan programs for their home financing needs. It also offers different types of loans, including purchase, home equity, debt consolidation, and refinancing loans. Bay Area Loan is also available to provide refinancing advice to its clients.

License Verified:

License: 316881

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 (17)
Google
5.0 / 5 (1)
Boyd Robinson logo
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License Verified:

License: 313231

Nationwide Multistate Licensing System and Registry

Boyd Robinson

1891 Second Street, Livermore, CA 94550
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  • New Construction
  • Refinance

Business Description

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.

License Verified:

License: 313231

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 (12)

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
Care-Mor Home Loans logo
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License Verified:

License: 346147

Nationwide Multistate Licensing System and Registry

Care-Mor Home Loans

360 Kiely Boulevard, San Jose, CA 95129
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  • Alternative Income Documentation Loans

Business Description

Care-Mor Home Loans is an online mortgage brokerage offering loan assistance to San Jose residents. Its founder and president, Ramesh Bhambhra, has been helping individuals obtain property loans based on their needs for over two decades. The entire loan process and transaction are conducted virtually. Borrowers' information is stored in a secured server and can only be accessed with loan numbers and passwords. Care-Mor Home Loans assigns a loan counselor and file manager to handle clients' mortgage loan concerns.

License Verified:

License: 346147

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 (9)
Client 1st Home Loans - San Jose, California logo
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License Verified:

License: 346153

Nationwide Multistate Licensing System and Registry

Client 1st Home Loans - San Jose, California

5330 Camden Avenue, San Jose, CA 95124
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  • Refinance

Business Description

Client 1st Home Loans is a mortgage company that attends to the lending concerns of refinancers, first-time homebuyers, and veterans in San Jose. Its agents guide clients in processing cash-out refinances and home equity loans. The company's vice president, John Barney, is a loan officer carrying 20 years of experience in the loan industry. Client 1st Home Loans has also delivered support to various charity and community groups, including the Autism Tree Project Foundation and the Marine Corps League.

License Verified:

License: 346153

Nationwide Multistate Licensing System and Registry

Commerce Home Mortgage - Los Gatos logo
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License Verified:

License: 1766200

Nationwide Multistate Licensing System and Registry

Commerce Home Mortgage - Los Gatos

20 South Santa Cruz Avenue, Los Gatos, CA 95030
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  • New Construction
  • Refinance

Business Description

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.

License Verified:

License: 1766200

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 (7)

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
Crystal Estates logo
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License Verified:

License: 322146

Nationwide Multistate Licensing System and Registry

Crystal Estates

1952 Camden Avenue, San Jose, CA 95124
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  • Refinance

Business Description

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.

License Verified:

License: 322146

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 (29)
Facebook
5.0 / 5 (7)

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
Elva Wormley logo
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License Verified:

License: 01274093

Nationwide Multistate Licensing System and Registry

Elva Wormley

1930 Camden Avenue, San Jose, CA 95124
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  • Refinance
  • Purchase Transactions

Business Description

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.

License Verified:

License: 01274093

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 (37)
Google
5.0 / 5 (14)
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
Foley Mortgage logo
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License Verified:

License: 240664

Nationwide Multistate Licensing System and Registry

Foley Mortgage

1660 Hamilton Avenue, San Jose, CA 95125
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  • Refinance

Business Description

Foley Mortgage has been providing its services to homeowners and businesses in San Jose since 1957. The firm originates, funds, and services various loans, including hard money loans, conforming loans, jumbo mortgages, reverse mortgages, and VA loans. Owner Eugene F. Foley has arranged home loans for families and real estate loans for small businesses and has offered income to investors. The firm is a member of the California Mortgage Association and the California Association of Realtors.

License Verified:

License: 240664

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 (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
Franny Yen - The Loan Story logo
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License Verified:

License: 280923

Nationwide Multistate Licensing System and Registry

Franny Yen - The Loan Story

275 Saratoga Avenue, Santa Clara, CA 95050
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  • New Construction

Business Description

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.

License Verified:

License: 280923

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 (21)
Google
5.0 / 5 (9)
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
Global Mortgage logo
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License Verified:

License: 288922

Nationwide Multistate Licensing System and Registry

Global Mortgage

17760 Monterey Road, Suite C, Morgan Hill, CA 95037
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  • Refinance

Business Description

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.

License Verified:

License: 288922

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 (10)
Golden Eagle Mortgage Group - Morgan Hill logo
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License Verified:

License: 1121558

Nationwide Multistate Licensing System and Registry

Golden Eagle Mortgage Group - Morgan Hill

17500 Depot Street, Morgan Hill, CA 95037
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  • Refinance

Business Description

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.

License Verified:

License: 1121558

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
4.0 / 5 (24)
Facebook
5.0 / 5 (20)
Google
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
GoldenPoint Finance logo
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License Verified:

License: 236095

Nationwide Multistate Licensing System and Registry

GoldenPoint Finance

1630 Oakland Road, San Jose, CA 95131
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  • Commercial Loans

Business Description

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.

License Verified:

License: 236095

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 (9)
Facebook
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
InstaMortgage Inc. logo
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InstaMortgage Inc.

1245 South Winchester Boulevard, San Jose, CA 95128
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  • Refinance

Business Description

InstaMortgage Inc. is a tech-focused mortgage lender helping clients in San Jose and throughout America in securing better financing for their homes. It offers a wide range of mortgage programs, including VA, FHA, jumbo, and conventional loans. Founder and CEO Shashank Shekhar is a best-selling author frequently quoted in national media for his mortgage expertise. In addition, Shekhar's writing has been published in Forbes, Housing Wire, and Huffington Post. InstaMortgage has been included in the Inc. 500's list of fastest-growing private companies in America from 2017 to 2021. Shashank is the host of the "Shashank Redemption" podcast where he talks about entrepreneurship, startups, and FinTech.

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
4.9 / 5 (188)
Yelp
5.0 / 5 (32)
LoanPros, Inc logo
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License Verified:

License: 2441

Nationwide Multistate Licensing System and Registry

LoanPros, Inc

1355 Jacklin Road, Milpitas, CA 95035
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  • Refinance

Business Description

Loan Pros, Inc., is a mortgage brokerage firm serving customers in the San Jose area and the whole of California. Established in 1992 by owner Tina Broyles, the company has been helping clients purchase or refinance their homes, lower their mortgage rates, and withdraw money from their mortgages. It offers construction, home, refinance, reverse mortgage, and home equity loans. Also available are CalHFA, VA, and FHA loans. Loan Pros is a Best and Honorary Broker in Milpitas awardee.

License Verified:

License: 2441

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)
Michael Ryan Mortgage Broker logo
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License Verified:

License: 295351

Nationwide Multistate Licensing System and Registry

Michael Ryan Mortgage Broker

275 Saratoga Avenue, Santa Clara, CA 95050
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  • New Construction
  • Reverse Mortgages

Business Description

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.

License Verified:

License: 295351

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 (12)
Facebook
5.0 / 5 (7)
Google
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
Mortgage Magic logo
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License Verified:

License: 331340

Nationwide Multistate Licensing System and Registry

Mortgage Magic

1625 The Alameda, San Jose, CA 95126
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  • Reverse Mortgages

Business Description

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.

License Verified:

License: 331340

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

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
Platinum Realty Group logo
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License Verified:

License: 1157733

Nationwide Multistate Licensing System and Registry

Platinum Realty Group

500 East Calaveras Boulevard, Milpitas, CA 95035
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  • New Construction
  • Refinance

Business Description

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.

License Verified:

License: 1157733

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 (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
Richard Wang logo
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License Verified:

License: 334072

Nationwide Multistate Licensing System and Registry

Richard Wang

2975 Bowers Avenue, Santa Clara, CA 95051
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  • New Construction

Business Description

Veridian Mortgage provides its services to residential clients in San Jose. The company has access to over one hundred lenders with loan solutions for home purchasing or mortgage refinancing. For first-time customers, the company offers educational resources about the loaning process, including presentations and seminars. For transparency, it conducts weekly meetings with clients, informing them of multiple potential scenarios for each loan plan. Previous clients have credited the company for its assistance in attaining their loan goals and resolving issues.

License Verified:

License: 334072

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
Yelp
5.0 / 5 (52)
Rita Roysental logo
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License Verified:

License: 287201

Nationwide Multistate Licensing System and Registry

Rita Roysental

51 East Campbell Avenue, Campbell, CA 95008
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  • Refinance

Business Description

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.

License Verified:

License: 287201

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 (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
Robert Bachman logo
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License Verified:

License: 256297

Nationwide Multistate Licensing System and Registry

Robert Bachman

497 North Santa Cruz Avenue, Los Gatos, CA 95030
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  • New Construction
  • Refinance
  • Reverse Mortgages

Business Description

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.

License Verified:

License: 256297

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 (51)
Facebook
5.0 / 5 (9)

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
Stephen Wong logo
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License Verified:

License: 289969

Nationwide Multistate Licensing System and Registry

Stephen Wong

1754 Technology Drive, San Jose, CA 95110
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  • Refinance

Business Description

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.

License Verified:

License: 289969

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 (187)

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Stevensen & Neal Realtors Community Trust Mortgage logo
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License Verified:

License: 327522

Nationwide Multistate Licensing System and Registry

Stevensen & Neal Realtors Community Trust Mortgage

116 East Campbell Avenue, Campbell, CA 95008
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  • Refinance

Business Description

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.

License Verified:

License: 327522

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

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
Tina Elias logo
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License Verified:

License: 280238

Nationwide Multistate Licensing System and Registry

Tina Elias

275 Saratoga Avenue, Santa Clara, CA 95050
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  • New Construction
  • Refinance

Business Description

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.

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License: 238044

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Todd Flesner

1100 Lincoln Avenue, San Jose, CA 95125
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  • New Construction

Business Description

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.

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License: 238044

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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.

How do mortgage brokers get paid?

The customer or the lender pays the mortgage broker. By law, it's illegal for a mortgage broker to accept payment from both parties. Additionally, thanks to the Dodd-Frank Act, a mortgage broker cannot have hidden fees or base their commission on their customer's interest rate.

What makes mortgage brokers different from loan officers?

Loan officers are employees of a single lender. For example, if you go to a bank for a mortgage, you'll deal with their loan officer. They’re paid a set salary and receive bonuses; however, they can only offer loans from their bank.

A mortgage broker works independently or for a firm, and they’re paid by the client or lender. Mortgage brokers can approach several lenders, giving individuals many more options.

What is the difference between a commercial mortgage broker and a home loan broker?

A commercial mortgage broker deals with real estate loans for businesses. The loan for the commercial property is given to the company, not the individual. As a result, the approval process reviews the financial health of the business. In comparison, a home loan broker helps individuals gain a real estate loan for their property.

How much do mortgage brokers make?

According to Salary.com, the average salary for a mortgage broker in the U.S. ranges between $75,344 and $99,498. However, this can significantly vary depending on the state you work in, bonuses, and other factors.

How do mortgage brokers get paid?

How a mortgage broker gets paid entirely depends on who they work for. If they’re an independent contractor, all of their income comes from their clients or lenders. If the person works for a brokerage, they may be paid a combination of a base salary and bonuses from closed deals.

How much do mortgage brokers make per loan?

Mortgage brokers typically make between 1% and 2% of the total loan amount on each deal closed. The client or the lender will pay this fee. The mortgage broker does not receive their payment until the loan is approved and finalized. 

Can mortgage brokers work across state lines?

Yes, mortgage brokers can work across state lines. However, each state has different licensing requirements for its mortgage brokers. To legally close a transaction, you must be certified in the state of the transaction. Additionally, it's helpful to know the state's closing process, as this can change from state to state.

What is a surety bond for mortgage brokers?

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.

Is it difficult to pass the mortgage brokers’ test?

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.

Do mortgage brokers need to be licensed?

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.

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