Expertise.com

2024

Last updated:

Best Mortgage Brokers in San Marcos

Our Recommended Top 11

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

33Reviewed

24Curated

11Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
9920 Pacific Heights Boulevard Suite 150, San Diego, CA 92121
  • Refinance
  • New Construction

Why choose this provider?

ShubhMortgage caters to clients throughout the San Marcos metro and close-by communities. The company assists aspiring homeowners through the process of mortgage pre-approval and offers conforming loan programs. It provides a comprehensive online mortgage calculator that contains data like payment schedules to guide clients with their decision-making. It also shows individuals how their credit scores are calculated and how it impacts their homeownership goals. The company is affiliated with the Association of Independent Mortgage Experts.

License Verified:

License: 1972303

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 (61)
Zillow
5.0 / 5 (17)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2878 Camino del Rio S Unit 402, San Diego, CA 92108
  • New Construction

Why choose this provider?

Maureen Martin is a San Diego-based mortgage loan originator for HomePlus Mortgage who caters to clients throughout California. She sets up FHA mortgage programs for first-time homebuyers and offers loans backed by the VA to current or former military service personnel. Maureen also educates clients on other programs, including conventional and jumbo loans. In addition, she helps senior homeowners with reverse mortgages, helping them to convert a portion of their property's equity into cash. Maureen 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.
4.8
Facebook
4.8 / 5 (16)

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
9683 Tierra Grande Street, Suite 102, San Diego, CA 92126
  • Refinance
  • New Construction

Why choose this provider?

Integrity Mortgage Group is a brokerage firm that caters to individuals and families in the greater San Marcos metro and nearby localities. The company provides loan services and helps clients find the right mortgage program to suit their needs. Its selection of loan products includes FHA, VA, fixed-rate, adjustable-rate, jumbo, and USDA mortgages. In addition, it offers reverse mortgages, HARP, and 203K loans.

License Verified:

License: 238109

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 (100)
Yelp
4.5 / 5 (40)
Google
4.7 / 5 (39)

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
12526 High Bluff Drive, Suite #300, San Diego, CA 92130
  • Refinance
  • New Construction

Why choose this provider?

Maggio Capital is a mortgage brokerage company that caters to families and enterprises in San Marcos. It helps clients secure residential and commercial properties for business and consumer purposes. It also offers fix & flip rehab loans for entrepreneurs in the real estate market. Additionally, it provides refinancing services, as well as equity cash-outs. The company was founded in 2009 by Carl Maggio, a real estate expert who has been selling residential estates since the late 1990s.

License Verified:

License: 308757

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
1902 Wright Pl Ste 200, Carlsbad, CA 92008
  • Refinance

Why choose this provider?

Mission Pacific Mortgage is a Carlsbad-based business that serves people across San Marcos. It caters to individuals looking to purchase properties and provides loan programs backed by various government agencies, including the FHA and VA. The company also offers non-qualified mortgages to help borrowers finance property acquisitions without the need for traditional income verification. It recommends other solutions, including reverse mortgages for senior homeowners. Robert Boladian, its founder and owner, once worked under iServe Residential Lending as an area sales manager.

License Verified:

License: 14241

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Facebook
3.0 / 5 (27)
Google
5.0 / 5 (26)

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
5857 Owens Avenue #300, Carlsbad, CA 92008
  • New Construction

Why choose this provider?

Above All Real Estate Services, Inc., serves the people of San Marcos and nearby areas. Its mortgage broker, James Clark, has been in the industry for over two decades. To establish a personal connection with clients, Clark takes the time to meet with them and learn about their finance and homeownership aspirations. He advises and guides borrowers through the entire loan process, from application to closing. The support team of Clark consists of professionals from the escrow, title, processing, banking, and real estate industries.

License Verified:

License: 833123

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 (19)

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 S Unit 402, San Diego, CA 92108
  • Refinance
  • New Construction

Why choose this provider?

HomePlus Mortgage offers residents of San Marcos a variety of broker services. Its options include adjustable-rate and fixed-term mortgages, which come with periods ranging from 15 to 30 years. Government programs tailored to military veterans are available. The company takes an educational approach when dealing with buyers and has instructional videos online that teach procedural matters, such as underwriting and preapproval. HomePlus Mortgage has funded over $10 billion in loans and catered to more than 13,700 borrowers.

License Verified:

License: 78669

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
Google
4.9 / 5 (352)
Yelp
4.5 / 5 (150)
Facebook
5.0 / 5 (97)

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
10920 Via Frontera Suite 520, San Diego, CA 92127
  • Refinance

Why choose this provider?

iServe Residential Lending, LLC, strives to help clients achieve their dream homes through mortgage refinancing solutions in San Marcos. The company provides a selection of options such as USDA, VA, FHA, jumbo, and conventional loans. Its team assists individuals who aim to switch from adjustable-rate to fixed-rate mortgages or consolidate debts through refinancing options. The firm's down payment assistance programs include Chenoa Fund and state bond options. It was established in 2007 as a multi-state residential mortgage banker.

License Verified:

License: 2914

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
5.0 / 5 (38)
Facebook
4.8 / 5 (32)
Yelp
5.0 / 5 (1)

Website
16644 W Bernardo Drive, Suite 100, San Diego, CA 92127
  • Refinance

Why choose this provider?

Team Sleder provides San Marcos individuals with mortgage plans from RWM Home Loans, a locally owned mortgage banking corporation funding residential home loans throughout California. It carries traditional conforming loans, jumbo with interest-only options, FHA, and VA streamline programs. In addition to helping clients purchase homes, the company assists homeowners in managing their mortgages through its refinancing options. Team Sleder is headed by Shanne Sleder, a second-generation mortgage banker who has developed comprehensive mortgage plans for over 16 years.

License Verified:

License: 239958

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 (87)
Facebook
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
2888 Loker Ave E, Ste 201, Carlsbad, CA 92010
  • Refinance

Why choose this provider?

Solidify Mortgage Advisors serves clients in San Marcos and the surrounding areas. Its team of personal loan advisors guides individuals and families in choosing loan programs suitable for their home purchase needs and financial goals. The company also offers mortgage refinancing services to help clients minimize or change their interest rates and monthly payments. Cash-out loan programs are also available for individuals wishing to invest in their children's education, pay off their debts, and obtain emergency funds.

License Verified:

License: 1283930

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
Facebook
5.0 / 5 (18)
Google
4.3 / 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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
10620 Treena Street, Suite #230, San Diego, CA 92131
  • Refinance

Why choose this provider?

Mar Financial is a mortgage brokerage firm that has been serving clients in the San Marcos area since 2007. It provides various loan options for people looking to purchase a house. These include VA, jumbo, USDA, FHA, conventional, and HECM reverse mortgage loans. It also helps homeowners who wish to lower their interest rates, consolidate debts, and get cash out of their equity through mortgage refinancing. Mar Financial's employees guide clients throughout the loan process, from application and processing to underwriting and closing.

License Verified:

License: 389363

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 (196)
Zillow
5.0 / 5 (176)
Google
5.0 / 5 (142)

(+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

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.