Expertise.com
2024

Last updated:

Best Mortgage Brokers in San Mateo

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

33

Reviewed

24

Curated

11

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
883 Sneath Ln, Suite 227, San Bruno, CA 94066
  • Conventional Loans
  • First time buyers
  • FHA and VA mortgages
  • Mortgage Loans
  • Mortgage
  • Mortgage Brokers

Why choose this provider?

Presto Home Loans provides mortgage broker services to real estate buyers in San Mateo. The company’s mortgage specialists examine clients' individual circumstances to determine the appropriate products that best suit their situations. They have options for persons with less ideal credit ratings and a host of government-backed solutions under the USDA, VA, and FHA. Residential investors’ programs are also available for buyers with scores exceeding 700. Presto Home Loans participates in each step of the process through to closing.

License Verified:

License: 1499621

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
Facebook
5.0 / 5 (18)
Google
4.2 / 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.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Price: Free consultation

San Mateo, CA

Why choose this provider?

Need help contacting a Mortgage Broker in San Mateo? Call our Concierge team at 848-Book-Pro (848-266-5776 from 6 am - 4 pm PT | Mon - Fri). They are standing by to help you get the service you need.

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

Price: Free booking service | Call 848.Book.Pro!

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

Why choose this provider?

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.
4.8
Google
5.0 / 5 (17)
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

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

Why choose this provider?

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 (1)

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

Why choose this provider?

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
Google
5.0 / 5 (5)

Website
235 E. Third Avenue, Suite 204, San Mateo, CA 94401
  • Refinance

Why choose this provider?

Mortgage Services is a brokerage firm that caters to borrowers in the San Mateo community. It offers brokerage solutions to clients and investors who are looking for home purchasing and refinancing programs. Some of its loan options include reverse mortgage, VA, and FHA products. In addition, the firm offers conventional, jumbo, challenged credit, high debt ratio, construction, and investor loans. Mortgage Services was founded in 1985. One of its professionals, Doug Goelz, carries vast experience in finance, marketing, and product management.

License Verified:

License: 236217

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 (6)
Yelp
5.0 / 5 (3)
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

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

Why choose this provider?

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
Yelp
5.0 / 5 (3)
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

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

Why choose this provider?

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.
5.0
Zillow
5.0 / 5 (291)
Google
4.9 / 5 (239)

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

Why choose this provider?

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
Zillow
5.0 / 5 (7)
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
1475 N. Broadway Suite 310, Walnut Creek, CA 94596
  • New Construction

Why choose this provider?

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 (911)
Yelp
4.5 / 5 (36)
Facebook
4.6 / 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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

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 (29)
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

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.