Expertise.com

2024

Last updated:

Best Mortgage Brokers in San Ramon, CA

Our Recommended Top 12

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

30Reviewed

22Curated

12Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

2950 Buskirk Avenue, Ste 140, Walnut Creek, CA 94597
WebsiteLicense: 1440176

Expertise.com Rating

Why choose this provider?

Preferred Mortgage, Inc. is an independent agency based in San Ramon. It began serving the community in 2012, providing loan options, including FHA, refinance, commercial, and first-time home buyer loans. Its team members match borrowers with a program that meets their requirements. They guide customers through the process of obtaining pre-approval, submitting required documents, and closing the loan.  The company is listed as a member of the National Association of Mortgage Brokers and the Bay East Association of Realtors.

  • Refinance
  • New Construction

2010 Crow Canyon Place, Suite 100, San Ramon, CA 94583
WebsiteLicense: 307334

Expertise.com Rating

Review Sources

Google
4.8 (17)
Facebook
5.0 (5)
Zillow
5.0 (1)

Why choose this provider?

1st American Mortgage & Real Estate Inc. brings over more than two decades of experience serving clients throughout San Ramon and the surrounding metros. The full-service firm assists first-time homebuyers and seasoned investors in finding mortgage options that fit their specific needs and goals. Additionally, the firm walks buyers through the entire home purchasing process, from scouring the market for suitable properties to closing. In addition, it assists sellers with evaluating, pricing, marketing, negotiating, and closing real estate purchases.

  • Refinance

111 Deerwood Drive, Ste 200, San Ramon, CA 94583
WebsiteLicense: 1439059

Expertise.com Rating

Review Sources

Google
5.0 (39)
Yelp
5.0 (2)

Why choose this provider?

Freedomstar Financial, Inc. connects borrowers in San Ramon with lenders that match their mortgage goals and interest rate needs. The brokerage works with more than 50 VA wholesale lenders across the nation. In addition, it monitors lenders daily and sends borrowers quotes from financial institutions. To help borrowers make informed decisions, Freedomstar Financial blogs about the common myths about reverse mortgages, VA loans for veterans in California, and loan eligibility. The brokerage has originated over $300 million in VA loans.

  • Refinance
  • New Construction

2551 San Ramon Valley Blvd. Suite 217, San Ramon, CA 94583
WebsiteLicense: 1866621

Expertise.com Rating

Review Sources

Facebook
5.0 (17)
Zillow
5.0 (17)

Why choose this provider?

New Vintage Mortgage provides a variety of loan options specifically tailored to achieve the financial goals of its clients in San Ramon and the neighboring communities. Its team of mortgage brokers assists buyers and borrowers in purchasing a home, refinancing mortgages, reducing portfolio risks, or needing a specialized loan option for commercial real estate or construction. It offers fixed-rate, adjustable-rate, FHA, VA, interest-only, and reverse programs. New Vintage Mortgage has been in operation since 2020.

  • Refinance

380 Diablo Rd Suite 201, Danville, CA 94526
WebsiteLicense: 238564

Expertise.com Rating

Review Sources

Google
5.0 (26)
Facebook
5.0 (9)

Why choose this provider?

Chris Brent is a mortgage broker that caters to first-time and move-up home buyers, refinancing homeowners, and investors in the San Ramon area. It also provides options for senior citizens to process reverse mortgages. Since 1998, Chris Brent has handled lending products such as VA, jumbo, conventional, and FHA loans. He is a full-service mortgage consultant for StoneCastle Land & Home Financial, which is also licensed to operate in California, Idaho, Montana, Nevada, Oregon, and Washington.

  • Refinance

318 Diablo Rd., Danville, CA 94526
WebsiteLicense: 247776

Expertise.com Rating

Review Sources

Zillow
5.0 (77)
Google
4.9 (47)
Facebook
5.0 (13)

Why choose this provider?

Nest Mortgage provides San Ramon residents with personalized mortgage solutions. These solutions include private and government-supported lending options such as jumbo or VA loans and refinancing options customized to the client's circumstances. From initial consultations to mortgage or refinancing closings, the company's staff advises clients on mortgage industry processes and helps them compare available market options. Senior mortgage consultant Kaveh Sartipi previously worked at Mason-McDuffie Mortgage and was recognized as one of its top producing agents in 2007.

  • Refinance

11501 Dublin Blvd, Suite 200, Dublin, CA 94568
WebsiteLicense: 747675

Expertise.com Rating

Review Sources

Google
5.0 (136)
Yelp
5.0 (75)
Facebook
5.0 (10)

Why choose this provider?

Light Mortgage Co. serves people in San Ramon. It offers fixed-rate, ARM, conforming, jumbo or super jumbo, and government loans such as FHA, VA, and USDA. Its mortgage brokers help clients determine if they qualify for the loan they want to apply for. They also educate people on the differences between mortgage programs, which can help them make better decisions when purchasing a home. Hal Light founded the company after witnessing his loved ones blindly trusting their mortgage brokers.

  • Refinance

26 Bormio Ct, Danville, CA 94526
WebsiteLicense: 326741

Expertise.com Rating

Review Sources

Google
4.9 (14)

Why choose this provider?

Haven Home Lending accepts loan applications and inquiries from individuals and families within the San Ramon metro. Its team of consultants helps clients secure comprehensive mortgage plans that cover their financial needs using its understanding of lending requirements, factors, and procedures. It evaluates its applicants' credit histories, conducts holistic property appraisals, and carries out an inventory of their total assets in line with its pre-qualification processes. It also compares a prospective borrower's financial capabilities to local mortgage rates and property prices.

  • Refinance

2600 Old Crow Canyon Rd, San Ramon, CA 94583
WebsiteLicense: 251866

Expertise.com Rating

Review Sources

Zillow
5.0 (35)
Google
5.0 (23)
Facebook
5.0 (9)

Why choose this provider?

Roy Elahi gives residents of San Ramon a variety of home mortgage solutions. He operates under the Preferred Mortgage, Inc., banner and has been in the lending sector for more than two decades. Refinancing services are available for debtors whose current debts are convertible to less onerous products. The agent also has loan options fit for buyers of single-family and condominium assets. His team has online tools for computing a variety of loan options, including those backed by the VA and FHA.

  • Refinance
  • New Construction

2500 Old Crow Canyon Road, Ste. 410, San Ramon, CA 94583
WebsiteLicense: 183492

Expertise.com Rating

Review Sources

Google
5.0 (85)
Facebook
4.9 (36)
Yelp
4.5 (15)

Why choose this provider?

Clay Selland is a mortgage broker who serves customers in San Ramon. He works with first-time ad move-up home buyers and investment buyers, helping them navigate through the mortgage process to meet the deadlines and closing. He also assists clients planning to refinance a mortgage for lower interest rates or to cash out from equity. Selland is the president of Signet Mortgage and has over two decades of industry experience. He is also a Certified Public Accountant.

  • New Construction

380 Diablo Road Suite 201, Danville, CA 94526
WebsiteLicense: 280803

Expertise.com Rating

Review Sources

Google
5.0 (18)
Facebook
5.0 (7)

Why choose this provider?

Stonecastle Mortgage works with San Ramon-based home buyers and existing homeowners. It offers mortgage solutions that are tailored to their financing or refinancing requirements. The company provides mortgage programs such as FHA, VA, Jumbo, USDA, and HELOC. Clients can also turn to Stonecastle Mortgage's loan officers for fixed-rate, adjustable-rate, rehab, bridge, and cross-collateralized loan options. In addition, this Equal Housing Lender, which started its operation in 2000, is licensed to operate in the states of Nevada, Colorado, and Washington.

  • Refinance

2303 Camino Ramon, San Ramon, CA 94583
WebsiteLicense: 357268

Expertise.com Rating

Review Sources

Google
5.0 (7)
Zillow
5.0 (3)
Yelp
5.0 (1)

Why choose this provider?

CNA Equity Group is a full-service mortgage brokerage offering boutique solutions to the San Ramon community. The company provides commercial and residential loan products with government, private, and conventional funding. Its brokers assist clients who need large amounts of funds, individuals who are planning to purchase their first homes, and those who are considering refinancing. CNA Equity Group was established by Michael Mulry, a mortgage broker who has over 19 years of experience in the industry. It has exceeded $50 million in sales.

  • Refinance
  • New Construction

Compare our Top Mortgage Brokers

NameExpertise RatingAddressPromotionsLearn more
Preferred Mortgage, Inc.
2950 Buskirk Avenue, Ste 140, Walnut Creek, CA 94597
1st American Mortgage & Real Estate Inc.
2010 Crow Canyon Place, Suite 100, San Ramon, CA 94583
Freedomstar Financial, Inc.
111 Deerwood Drive, Ste 200, San Ramon, CA 94583
New Vintage Mortgage
2551 San Ramon Valley Blvd. Suite 217, San Ramon, CA 94583
Chris Brent
380 Diablo Rd Suite 201, Danville, CA 94526
Nest Mortgage
318 Diablo Rd., Danville, CA 94526
Light Mortgage Co.
11501 Dublin Blvd, Suite 200, Dublin, CA 94568
Haven Home Lending
26 Bormio Ct, Danville, CA 94526
Roy Elahi
2600 Old Crow Canyon Rd, San Ramon, CA 94583
Clay Selland
2500 Old Crow Canyon Road, Ste. 410, San Ramon, CA 94583
Stonecastle Mortgage
380 Diablo Road Suite 201, Danville, CA 94526
CNA Equity Group
2303 Camino Ramon, San Ramon, CA 94583

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.