Best Mortgage Brokers in San Mateo

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Alameda Mortgage Corp. logo
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License Verified:

License: 271603

Nationwide Multistate Licensing System and Registry

Alameda Mortgage Corp.

1475 N. Broadway Suite 310, Walnut Creek, CA 94596
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  • New Construction

Business Description

Alameda Mortgage Corp. provides custom loan solutions for residents in and near San Mateo. The family-owned and family-operated firm helps homebuyers fund their real estate purchases, offering guidance throughout the loan application process. Its team works with clients during the pre-approval, appraisal, underwriting, and closing phases. The professionals also attend to clients' refinancing needs. Alameda Mortgage Corp., which has been in operation since 1968, is headed by Ron Perkins. He became a mortgage loan originator in 1992.

License Verified:

License: 271603

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 (842)
Yelp
4.5 / 5 (35)
Facebook
4.5 / 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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Bay Financial Company logo
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License Verified:

License: 842725

Nationwide Multistate Licensing System and Registry

Bay Financial Company

220 Baldwin Ave, San Mateo, CA 94401
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  • Refinance
  • New Construction

Business Description

Bay Financial Company specializes in residential mortgages in San Mateo. Its consultants have access to multiple lending providers available in the market and their loan programs. This provides its client with comparisons and options based on their current needs, may it be with a purchase or refinancing of a loan product. Its loan programs include FHA, VA, adjustable-rate, and fixed-rate loans. The company offers refinancing with cashouts for different property types such as condominiums, and single or multi-family homes.

License Verified:

License: 842725

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 (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
California Mortgage Company, Inc. logo
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License Verified:

License: 1187716

Nationwide Multistate Licensing System and Registry

California Mortgage Company, Inc.

1435 Huntington Ave 100 S, San Francisco, CA 94080
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  • Refinance
  • New Construction

Business Description

California Mortgage Company, Inc., serves real estate investors and residential property owners in San Mateo and the surrounding communities. The firm provides different mortgage rate options, such as adjustable ARM, graduated payments, fixed-rate, and interest-only mortgages. It collaborates with multiple lenders to compare loan rates and shop loan products, like jumbo, VA, USDA, and FHA. Its loan officers utilize automated mortgage underwriting systems and advanced mortgage processing software to help clients throughout the home buying and refinancing process.

License Verified:

License: 1187716

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 (2)
Emerald Key Realty and Mortgage logo
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License Verified:

License: 1153768

Nationwide Multistate Licensing System and Registry

Emerald Key Realty and Mortgage

969 G Edgewater Blvd, #878, Foster City, CA 94404
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  • New Construction

Business Description

Emerald Key Realty and Mortgage is a woman-owned and woman-operated business serving clients in San Mateo and the surrounding areas. It links borrowers with financial institutions to help them purchase homes or refinance existing mortgages. The company's owner, Elena Wyman, is a mortgage broker fluent in Russian who aggressively markets properties to local, national, and international clients on websites, newspapers, and magazines. She analyzes market conditions to determine the market value of homes and properties.

License Verified:

License: 1153768

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
General Mortgage Capital Corporation logo
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License Verified:

License: 254895

Nationwide Multistate Licensing System and Registry

General Mortgage Capital Corporation

1350 Bayshore Hwy, Suite 740, Burlingame, CA 94010
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  • Refinance

Business Description

General Mortgage Capital Corporation is a full-service brokerage firm that serves clients in San Mateo and the rest of California. It provides a wide assortment of home purchase products, including Freddie Mac, Fannie Mae, Prime Jumbo, and agency loans. It also offers specific loan programs for non-citizens, investors, and physicians. In addition, it assists with refinancing existing mortgages. The company has been in operation for more than 17 years. It also extends its services to 25 other U.S. states.

License Verified:

License: 254895

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
4.9 / 5 (236)
HPI Financial logo
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License Verified:

License: 248531

Nationwide Multistate Licensing System and Registry

HPI Financial

1149 Cherry St., San Carlos, CA 94070
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  • Refinance

Business Description

HPI Financial serves individuals in San Mateo who need assistance with their mortgage matters. It helps clients choose mortgage loans suitable for their needs by assisting them in comparing programs, including conventional, reverse, and jumbo. It also offers VA loans for veterans or active-duty military personnel wanting to own homes with minimal or low down payments. The company also guides clients in refinancing their existing loans or applying for debt consolidation services. HPI Financial has offices in Redwood City and Rohnert Park.

License Verified:

License: 248531

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.
4.7
Google
5.0 / 5 (18)
Yelp
4.5 / 5 (10)

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
Julie McKinney logo
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License Verified:

License: 235354

Nationwide Multistate Licensing System and Registry

Julie McKinney

4115 Blackhawk Circle, Suite 100, Danville, CA 94506
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  • Refinance

Business Description

Julie McKinney is an independent mortgage consultant who serves individuals and families in San Mateo and the surrounding areas. She provides financing assistance for clients who wish to purchase their first home, vacation home, or investment properties. She also assists homeowners seeking to down-size or up-size their properties. She and her team offer a variety of fixed-rate and adjustable-rate mortgages. Julie McKinney has been working in the mortgage industry for more than two decades. She is a California native.

License Verified:

License: 235354

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
Michael Haigh Team logo
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License Verified:

License: 200819

Nationwide Multistate Licensing System and Registry

Michael Haigh Team

1300 S El Camino Real #505, San Mateo, CA 94402
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  • Refinance

Business Description

Michael Haigh Team serves clients in San Mateo who need mortgage solutions. The team delivers various loan products backed by the FHA and VA. Traditional options with adjustable rates and refinance programs are also available for existing debts. Michael Haigh has experience in the finance industry and supports civic-minded organizations such as Mission Hospice, Samaritan House, and Habitat for Humanity. He is joined by Athan Sarris-Haigh, who has worked in the lending sectors of Oregon and San Mateo.

License Verified:

License: 200819

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 (30)
Google
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
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Frequently Asked Questions

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.

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.

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.

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