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Best Mortgage Brokers in Santa Clarita

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Above All Lending logo
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License Verified:

License: 248248

Nationwide Multistate Licensing System and Registry

Above All Lending

27936 Lost Canyon Road, Santa Clarita, CA 91387
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  • Refinance

Business Description

Above All Lending is a mortgage brokerage firm based in Santa Clarita specializing in providing residential loan options. Its loan programs include government-backed loans, such as FHA, VA, and USDA loans. Its mortgage professionals can also deliver jumbo loans for properties that exceed loan-servicing limits. Its mortgage options are available in fixed-rate, adjustable-rate, interest-only, and graduated payment mortgages. Clients can also turn to Above All Lending for its renovation and refinancing loan solutions.

License Verified:

License: 248248

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 (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
American Family Funding logo
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License Verified:

License: 1850

Nationwide Multistate Licensing System and Registry

American Family Funding

28338 Constellation Road, Santa Clarita, CA 91355
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  • Refinance
  • Reverse Mortgages

Business Description

Based in Santa Clarita, American Family Funding is a full-service mortgage broker that has been serving the entire state of California for almost three decades. It arranges home purchase loans such as conventional, FHA, USDA, VA, and jumbo loans. American Family Funding is a division of the American Pacific Mortgage Corporation. It is partnered with several credit unions, such as the Pasadena Federal Credit Union, Ontario Montclair School Employees Federal Credit Union, and UPS Employees Credit Union.

License Verified:

License: 1850

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
4.0 / 5 (193)
Facebook
5.0 / 5 (15)
Yelp
5.0 / 5 (8)

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
Augusta Financial, Inc. - Santa Clarita logo
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License Verified:

License: 241911

Nationwide Multistate Licensing System and Registry

Augusta Financial, Inc. - Santa Clarita

25129 The Old Road, Santa Clarita, CA 91381
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  • Refinance

Business Description

Augusta Financial, Inc., is a company of mortgage professionals located in the Santa Clarita area that specializes in sourcing out loan programs, mortgage rates, and financing options for new and existing homeowners in the area. The company is composed of NMLS-certified mortgage professionals that guide clients from consultation to financing approval. Some of its loan programs include conventional, FHA, and VA loans. The company also offers downpayment assistance, bridge loans, and fixed- and adjustable-rate mortgages.

License Verified:

License: 241911

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
Yelp
4.0 / 5 (162)
Google
4.0 / 5 (80)
Facebook
4.0 / 5 (24)

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
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Helpfulness
Detail
––
CSMC Mortgage - Santa Clarita logo
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License Verified:

License: 1570216

Nationwide Multistate Licensing System and Registry

CSMC Mortgage - Santa Clarita

23822 Valencia Boulevard, Santa Clarita, CA 91355
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  • Refinance

Business Description

CSMC Mortgage is a Westlake Village-based company that extends its services to individuals in the Santa Clarita metro. It assists first-time and experienced home buyers with their mortgage loans. The company's team of mortgage specialists offers a range of loan programs such as jumbo, conventional, reverse, FHA, and VA loans. They also help clients in refinancing their loans. Headed by Jeff Baum, CSMC Mortgage provides regular loan updates and progress reports and works with companies, real estate professionals, and builders in delivering services.

License Verified:

License: 1570216

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
Facebook
5.0 / 5 (19)
Yelp
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Dan Felico logo
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License Verified:

License: 302015

Nationwide Multistate Licensing System and Registry

Dan Felico

25350 Magic Mountain Parkway, Santa Clarita, CA 91355
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  • Refinance

Business Description

Dan Felico is a mortgage broker under SelectPlus Lending that serves Santa Clarita and the surrounding areas. He specializes in helping service members buy a house through the VA housing loan program. This program allows homebuyers a no-money-down benefit and competitive interest rates. Additionally, Dan provides refinancing assistance for people looking to lower their monthly payments, consolidate their debt, or pay off their mortgage more quickly. His website also provides some tips on how to improve a person's credit rating.

License Verified:

License: 302015

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 (44)
Google
5.0 / 5 (7)

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
Effective Mortgage Company logo
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License Verified:

License: 252973

Nationwide Multistate Licensing System and Registry

Effective Mortgage Company

8535 Reseda Boulevard, Los Angeles, CA 91324
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  • New Construction
  • Refinance

Business Description

Effective Mortgage Company is a full-service mortgage brokerage operating for more than 20 years. It serves the Santa Clarita community and surrounding areas. It specializes in conventional, jumbo, investment, and government loans like FHA, VA, and reverse mortgage. The firm helps clients in finding an ideal mortgage that suits their requirements. It also leverages its network of lenders to give clients a wide range of options. A former client commends how the firm made the loan process for their recently purchased home seamless.

License Verified:

License: 252973

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.
4.5
Facebook
5.0 / 5 (13)
Yelp
4.0 / 5 (12)

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
––
eLoan Group, Inc. logo
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License Verified:

License: 1071362

Nationwide Multistate Licensing System and Registry

eLoan Group, Inc.

26500 Agoura Road, Calabasas, CA 91302
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  • New Construction
  • Reverse Mortgages

Business Description

eLoan Group, Inc., is a mortgage brokerage firm that has been offering innovative mortgage servicing solutions to homebuyers in Santa Clarita since 1990. It specializes in conforming, conventional, VA, and FHA mortgages. This family business also helps clients process construction, commercial, or private money loans. With decades of industry experience, its team of mortgage professionals offers lending programs that are tailored to meet specific needs. They also lay out home equity, reverse mortgage, and home refinancing options.

License Verified:

License: 1071362

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
Facebook
5.0 / 5 (5)
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
Empower Lending Group logo
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License Verified:

License: 1948296

Nationwide Multistate Licensing System and Registry

Empower Lending Group

16501 Ventura Boulevard, Los Angeles, CA 91436
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  • Refinance

Business Description

Empower Lending Group is an Encino-based mortgage lending company that serves clients throughout the Southern California area, including Santa Clarita. It provides clients with financing options such as FHA, VA, jumbo, and DACA loans. The company's loan specialists can also assist clients in refinancing and restructuring their existing loans. Empower Lending Group also has a selection of programs to assist specific clients, such as doctors and peace officers, in qualifying and paying for their loans.

License Verified:

License: 1948296

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
4.7 / 5 (7)
Yelp
5.0 / 5 (4)

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
Garrett Todd logo
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License Verified:

License: 356437

Nationwide Multistate Licensing System and Registry

Garrett Todd

7100 Hayvenhurst Avenue, Los Angeles, CA 91406
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Business Description

Garett Todd is a California-based mortgage broker that has served home buying clients in Santa Clarita and the Los Angeles region for more than 15 years. He and his Van Nuys-based team have over five decades of mortgage and real estate industry experience. Providing services for homeownership, refinance, or lowered payments, their access to regional lenders helps clients with loaning options and subsequent approvals within 30 days. Garett maintains relations with Realtors and former clients. He and his team speak both English and Spanish.

License Verified:

License: 356437

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
Yelp
4.0 / 5 (53)

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
George Chovan logo
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License Verified:

License: 347399

Nationwide Multistate Licensing System and Registry

George Chovan

27240 Turnberry Lane, Valencia, CA 91355
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  • Refinance

Business Description

George Chovan is a mortgage broker serving clients in Santa Clarita, Valencia, and the surrounding areas. Chovan holds in-depth community and market knowledge and a wide professional network that helps him assist his clients in navigating their home purchase or mortgage refinancing needs. He is also a licensed Realtor, assisting sellers in listing and marketing properties. Buyers can also avail themselves of Chovan's services in the latest market information and investment properties.

License Verified:

License: 347399

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 (4)
George Coronado logo
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License Verified:

License: 237893

Nationwide Multistate Licensing System and Registry

George Coronado

18273 Soledad Canyon Road, Santa Clarita, CA 91387
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  • New Construction
  • Refinance
  • Home Purchase

Business Description

George Coronado is a mortgage broker based in Santa Clarita. He educates his clients about the refinancing program and helps them determine whether it applies to their financial circumstances, including the need for cash-outs, debt consolidation, and private mortgage insurance removal. His services also cover meeting financial goals for home purchases. An affiliate of MGM Mortgage, George holds a Realtor designation. He received a commendation from a previous client for his assistance in making the refinance process fast and smooth.

License Verified:

License: 237893

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 (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
Homes & Loans logo
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License Verified:

License: 1313509

Nationwide Multistate Licensing System and Registry

Homes & Loans

10646 Zelzah Avenue, Granada Hills, CA 91344
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  • Refinance
  • Reverse Mortgages

Business Description

Established in 2004, Homes & Loans is a family-owned brokerage firm that represents Santa Clara buyers, sellers, investors to provide for their real estate and mortgage financing needs. With over 30 years of experience, it handles a variety of mortgage purchase and refinancing services such as first-time buyers programs, debt consolidation, high-balance loans, and reverse mortgages. Homes & Loans is a member of the National Association of Realtors, the California Association of Realtors, and the Glendale Association of Realtors.

License Verified:

License: 1313509

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
Facebook
5.0 / 5 (1)
Homiro logo
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License Verified:

License: 275197

Nationwide Multistate Licensing System and Registry

Homiro

9400 California 27, Los Angeles, CA 91311
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  • Refinance

Business Description

Homiro serves the Santa Clarita area and has been offering assistance in securing mortgage loan options since 2019. The firm's professionals handle adjustable and fixed mortgages for residential property loans, including conventional, jumbo, FHA, and VA. They also help determine rates by assessing various factors, such as loan type and purpose, credit score, and property value. Homiro primarily executes its loan and refinance services through its online platform, which also includes resources such as masterclasses.

License Verified:

License: 275197

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 (48)
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
Keith Renno logo
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License Verified:

License: 255882

Nationwide Multistate Licensing System and Registry

Keith Renno

24510 Town Center Drive, Santa Clarita, CA 91355
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  • Refinance

Business Description

Keith Renno is a loan originator at Wintrust Mortgage who serves clients in Santa Clarita. He offers various loan options for homebuyers and homeowners, including conventional loans, FHA loans, VA home loans, and jumbo loans. Keith has been active in the mortgage industry for 16 years, and he has closed over $500 million loans from 2010-2017. Established in 1979, Wintrust Mortgage is a direct lender that originates over $4 billion in loans each year. It also offers wealth management services and insurance premium financing.

License Verified:

License: 255882

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
Facebook
5.0 / 5 (93)
Google
5.0 / 5 (34)
Yelp
5.0 / 5 (2)

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
LA Mortgage Inc logo
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License Verified:

License: 284169

Nationwide Multistate Licensing System and Registry

LA Mortgage Inc

9338 Reseda Boulevard, Northridge, CA 91324
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  • New Construction
  • Refinance

Business Description

LA Mortgage Inc. is a Northridge-based mortgage company that also serves homebuyers in Santa Clarita and surrounding areas. With expertise in the residential lending industry, LA Mortgage serves clients looking for financing solutions for purchasing or refinancing a property. Purchase loans offered include conventional loans with fixed or adjustable rates, FHA loans, VA loans, and jumbo loans. For refinance loans, its team of refinance experts helps evaluate client's mortgage needs and create a refinancing plan.

License Verified:

License: 284169

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 (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
Laura Uribe logo
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License Verified:

License: 356630

Nationwide Multistate Licensing System and Registry

Laura Uribe

23504 Lyons Avenue, Santa Clarita, CA 91321
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  • Refinance

Business Description

Laura Uribe is a mortgage broker who has been working at Security Bancorp for more than 23 years. Based in Santa Clarita, Laura specializes in residential loans and helps clients with their cash-out and debt consolidation goals. Her services cover reverse mortgages, FHA, VA, and HARP loans, and adjustable-rate mortgages. She is also a member of the American Association of Independent Mortgage Experts and the Women’s Mortgage Network. Additionally, Laura carries over three decades of real estate experience.

License Verified:

License: 356630

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 (26)
Yelp
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
Lending Enterprise logo
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License Verified:

License: 240012

Nationwide Multistate Licensing System and Registry

Lending Enterprise

7007 Washington Avenue, Whittier, CA 90602
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  • Refinance

Business Description

Lending Enterprise is a mortgage firm that serves clients in Santa Clarita. The company offers a wide range of loan options for homeowners and homebuyers, including FHA home loans, mortgage refinancing, conventional mortgage loans, VA home loans, and jumbo loans. Clients have praised owner Melinda Estrada and her team of loan officers and loan coordinators for their professionalism, efficiency, and knowledge about the different types of loan programs available to them. The company also abides by the principles of integrity and quality customer service.

License Verified:

License: 240012

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
Facebook
5.0 / 5 (14)

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
Marcy James logo
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License Verified:

License: 246686

Nationwide Multistate Licensing System and Registry

Marcy James

25115 Avenue Stanford, Santa Clarita, CA 91355
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  • Reverse Mortgages

Business Description

With over 32 years of experience in the industry, loan officer Marcy James has served clients in Santa Clarita with their financial needs and homebuying plans. She offers her services in purchasing homes and refinancing loans. Previous clients commend her and her team's vast knowledge and dedication to their work, advising and guiding them throughout the application process. Marcy works with CrossCountry Mortgage that has been in the mortgage brokerage industry since 2003.

License Verified:

License: 246686

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)

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
––
Metro Valley Mortgage & Realty Inc. logo
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License Verified:

License: 351062

Nationwide Multistate Licensing System and Registry

Metro Valley Mortgage & Realty Inc.

20555 Devonshire Street, Los Angeles, CA 91311
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  • Refinance

Business Description

Metro Valley Mortgage & Realty, Inc., is a privately owned full-service brokerage providing real estate loans throughout Southern California, including Santa Clarita. It deals with residential equity loans, commercial lending, first trust deeds, home refinances, and home purchases. Its loan advisors and escrow officers work together to provide loan products tailored to every client's needs. With over 10 years of experience in real estate services, the firm continues to be committed to forming long-term customer relationships through exceptional customer service.

License Verified:

License: 351062

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 (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
Northwest Financial Network logo
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License Verified:

License: 249619

Nationwide Multistate Licensing System and Registry

Northwest Financial Network

17907 Raymer Street, Los Angeles, CA 91325
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  • Reverse Mortgages

Business Description

Northwest Financial Network is a mortgage brokerage serving clients in Santa Clarita. The company has been in the commercial and residential mortgage business for more than 23 years. Its owner Bijan Shahrokhi is an independent mortgage broker and has an extensive network of returning clients. Shahrokhi and his team assist clients in purchasing their homes or refinancing their existing mortgage loans. Additionally, the company's website provides a mortgage calculator tool for its clients to use.

License Verified:

License: 249619

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
Facebook
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
Oren Saig logo
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License Verified:

License: 1286297

Nationwide Multistate Licensing System and Registry

Oren Saig

7100 Hayvenhurst Avenue, Van Nuys, CA 91406
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  • New Construction
  • Refinance

Business Description

Oren Saig of the Saig Mortgage Team is a mortgage professional serving the Santa Clarita metro residents through home financing and refinancing options. He is an NMLS licensed loan officer and represents National Trust Lending in the area. His team has over 20 years of industry experience and is an expert in applying for and securing loan programs such as conventional, government, and jumbo loans. It also offers mortgage financing options that reduce mortgage rates and cash out equity.

License Verified:

License: 1286297

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 (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
Ratebeat logo
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License Verified:

License: 1267188

Nationwide Multistate Licensing System and Registry

Ratebeat

9400 California 27, Los Angeles, CA 91311
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  • New Construction
  • Refinance

Business Description

Ratebeat is a company that offers mortgage services to residents of Santa Clarita and the surrounding communities. The list of services that it provides includes conventional, jumbo, FHA, USDA, VA, and NON-QM loans. Moreover, it provides first-time-buyer loans, 15-year fixed-rate mortgages, and 30-year fixed-rate mortgages. Additionally, it offers refinancing services for homeowners. Ratebeat also offers custom loans that are special loans created by the mortgage lenders specifically for a borrower to meet their financial needs.

License Verified:

License: 1267188

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
4.0 / 5 (148)

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
Scott Groves logo
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License Verified:

License: 365178

Nationwide Multistate Licensing System and Registry

Scott Groves

24801 Pico Canyon Road, Stevenson Ranch, CA 91381
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  • Refinance

Business Description

Scott Groves is a mortgage broker serving Santa Clarita by providing comprehensive loan options to the metro's residents. Groves caters to first-time home buyers, refinancing homeowners, move up and second home buyers, seniors seeking reverse mortgages, and investment buyers. Scott Groves offers a wide range of mortgage solutions that can be personalized to fit the varied needs and lifestyles of his clientele. Groves also handles the preparation of necessary documents to streamline the entire application process.

License Verified:

License: 365178

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 (35)
Facebook
5.0 / 5 (7)
Southern Oaks Mortgage, Inc. logo
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License Verified:

License: 237717

Nationwide Multistate Licensing System and Registry

Southern Oaks Mortgage, Inc.

25060 Avenue Stanford, Santa Clarita, CA 91355
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  • Refinance

Business Description

Southern Oaks Mortgage, Inc., is a boutique mortgage company serving Santa Clarita and the surrounding area. Its president, Jeff Eisenberg, is a licensed broker with over two decades of experience in the mortgage industry. He leads a team of mortgage consultants and service professionals. They provide loan packages customized to the client's financial situation. Their loan home programs cover refinance, debt consolidation, home equity loans, home improvement loans, and reverse mortgages. Southern Oaks Mortgage also offers interactive tools for purchase and refinancing information.

License Verified:

License: 237717

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 (41)
Yelp
5.0 / 5 (38)
Facebook
5.0 / 5 (17)

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
––
Steve Tampus Financial Group logo
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License Verified:

License: 331322

Nationwide Multistate Licensing System and Registry

Steve Tampus Financial Group

25129 The Old Road, Stevenson Ranch, CA 91381
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  • Refinance

Business Description

Steve Tampus Financial Group provides mortgage planning services from its Stevenson Ranch location. Whether clients seek assistance in purchasing or refinancing loans, the company assists them with various products, including FHA, VA, fixed-rate, and adjustable-rate mortgages. It is headed by Stephen Tampus, a certified mortgage planner and longtime Santa Clarita Valley resident. In addition to mortgage planning, he also offers credit counseling services. He is an active member of the community and holds basketball coaching sessions in the area.

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License: 331322

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Stress Free Mortgage logo
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License: 1520664

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Stress Free Mortgage

28494 Westinghouse Place, Valencia, CA 91355
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  • Refinance

Business Description

Stress Free Mortgage provides mortgage programs and refinancing services for clients in Santa Clarita and nearby areas. The company's loan officer, Linda Fleischmann, offers advice on loan options to help home-buyers and homeowners choose the refinancing program that best fits their situation. The company provides a variety of mortgage options, including VA, FHA, and conventional loans. StressFree Mortgage works with seniors seeking reverse mortgages and offers various interest rate options on its traditional loan programs.

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License: 1520664

Nationwide Multistate Licensing System and Registry

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Terry Bleecker logo
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License: 153480

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Terry Bleecker

24922 Anza Drive, Santa Clarita, CA 91355
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  • New Construction
  • Refinance

Business Description

Terry Bleecker of Golden Empire Mortgage serves first-time homebuyers and seasoned investors in Santa Clarita and its nearby communities. As a mortgage broker, he helps clients with real estate purchases and loan refinancing. He has also handled the sale of various real estate property types, like single-family residences, townhouses, and condos. Additionally, he deals with conventional, FHA, VA, and USDA loans. He also helps clients who are looking to get the lowest available mortgage rates for their properties.

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License: 153480

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.
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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.

How do mortgage brokers get paid?

The customer or the lender pays the mortgage broker. By law, it's illegal for a mortgage broker to accept payment from both parties. Additionally, thanks to the Dodd-Frank Act, a mortgage broker cannot have hidden fees or base their commission on their customer's interest rate.

What makes mortgage brokers different from loan officers?

Loan officers are employees of a single lender. For example, if you go to a bank for a mortgage, you'll deal with their loan officer. They’re paid a set salary and receive bonuses; however, they can only offer loans from their bank.

A mortgage broker works independently or for a firm, and they’re paid by the client or lender. Mortgage brokers can approach several lenders, giving individuals many more options.

What is the difference between a commercial mortgage broker and a home loan broker?

A commercial mortgage broker deals with real estate loans for businesses. The loan for the commercial property is given to the company, not the individual. As a result, the approval process reviews the financial health of the business. In comparison, a home loan broker helps individuals gain a real estate loan for their property.

How much do mortgage brokers make?

According to Salary.com, the average salary for a mortgage broker in the U.S. ranges between $75,344 and $99,498. However, this can significantly vary depending on the state you work in, bonuses, and other factors.

How do mortgage brokers get paid?

How a mortgage broker gets paid entirely depends on who they work for. If they’re an independent contractor, all of their income comes from their clients or lenders. If the person works for a brokerage, they may be paid a combination of a base salary and bonuses from closed deals.

How much do mortgage brokers make per loan?

Mortgage brokers typically make between 1% and 2% of the total loan amount on each deal closed. The client or the lender will pay this fee. The mortgage broker does not receive their payment until the loan is approved and finalized. 

Can mortgage brokers work across state lines?

Yes, mortgage brokers can work across state lines. However, each state has different licensing requirements for its mortgage brokers. To legally close a transaction, you must be certified in the state of the transaction. Additionally, it's helpful to know the state's closing process, as this can change from state to state.

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.

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.

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.

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