Expertise.com

Best Mortgage Brokers in San Pedro

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2023
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Excel Funding Real Estate Services, Inc. logo

License Verified:

License: 332480

Nationwide Multistate Licensing System and Registry

Excel Funding Real Estate Services, Inc.

28924 South Western Avenue, Suite 110, Rancho Palos Verdes, CA 90275
  • Refinance

Business Description

Excel Funding Real Estate Services, Inc., has over two decades of experience providing mortgage services to clients in San Pedro and the neighboring cities. It specializes in assisting individuals in purchasing their residential or investment properties using mortgage loan programs. Its team guides clients in handling the mortgage process to help them choose loan types, schedule appraisals, and obtain title clearances. In addition to mortgage services, the company caters to clients wanting to sell their properties.

License Verified:

License: 332480

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
Facebook
4.6 / 5 (10)
Yelp
5.0 / 5 (10)
Google
5.0 / 5 (8)

(+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
Harbor View Funding logo
Visit WebsiteWebsite

License Verified:

License: 1757032

Nationwide Multistate Licensing System and Registry

Harbor View Funding

Visit WebsiteWebsite
773 West 9th Street, San Pedro, CA 90731
  • Refinance
  • New Construction

Business Description

Harbor View Funding offers comprehensive mortgage services to clients throughout San Pedro and the surrounding metros. Its loan advisers assist clients in achieving their homeownership goals by evaluating loans, connecting with lenders, and filing multiple loan applications. A wide selection of loan options is available, such as conventional, jumbo, Homepath, USDA, and fixed-rate mortgages. There are also specialized programs, such as No Income Verification and balloon loans. Harbor View Funding company additionally offers mortgage refinancing assistance.

License Verified:

License: 1757032

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 (31)
Google
5.0 / 5 (16)
LoanStream Mortgage logo
Visit WebsiteWebsite

License Verified:

License: 2125

Nationwide Multistate Licensing System and Registry

LoanStream Mortgage

Visit WebsiteWebsite
19000 MacArthur Blvd, Ste. 200, Irvine, CA 92612
  • Refinance
  • New Construction

Business Description

LoanStream Mortgage has been operating since 2001. It provides San Pedro residents with conventional Freddie Mac and Fannie Mae products and government-funded loans like USDA, FHA, and VA. The retail and wholesale lender offers exclusive NanQ and MaxONE programs to customers seeking down payment assistance or those unable to meet traditional mortgage requirements. JumboONE is also an option for those refinancing or purchasing a second property worth up to $3 million. LoanStream is a member of the Mortgage Bankers Association.

License Verified:

License: 2125

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
Facebook
4.9 / 5 (33)

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
––
Malaga Funding, Inc. logo
Visit WebsiteWebsite

License Verified:

License: 872515

Nationwide Multistate Licensing System and Registry

Malaga Funding, Inc.

Visit WebsiteWebsite
350 West 5th Street #206, San Pedro, CA 90731
  • Refinance

Business Description

Malaga Funding, Inc., is open to people from San Pedro who require custom mortgage plans. Its brokers are Joe Gomez and Anna Dobrick, who tailor their advice using their first-hand knowledge of mortgage processes drawn from over 40 years of combined experience. They utilize comprehensive information involving credit scores, interest rates, and asset evaluations to help applicants understand their respective loan choices. The firm's conventional, jumbo, HARP, and fixed-rate options have underwriting flexibility and rate improvements that fit each borrower's financial goals.

License Verified:

License: 872515

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
Premier Wholesale Mortgage logo
Visit WebsiteWebsite

License Verified:

License: 2109119

Nationwide Multistate Licensing System and Registry

Premier Wholesale Mortgage

Visit WebsiteWebsite
17100 Pioneer Blvd. Suite 450, Artesia, CA 90701
  • New Construction

Business Description

Premier Wholesale Mortgage caters to individuals planning to purchase, sell, build, or refinance their dream house by providing home loan programs. Its mortgage brokers serve borrowers in San Pedro, providing options for reverse and fixed-rate mortgages and FHA, VA, and jumbo loans. The company's website features several decision-making tools, including obtaining a pre-approval letter and searching for properties available on the market. To further help clients make informed judgments on their transactions, the agency's brokers take the time to discuss each program.

License Verified:

License: 2109119

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 (47)

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.