Expertise.com

2024

Last updated:

Best Mortgage Brokers in Santa Maria, CA

Our Recommended Top 5

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 Santa Maria 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

20Curated

5Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Santa Maria, CA
WebsiteLicense: 337165

Expertise.com Rating

Review Sources

Zillow
4.9 (13)

Why choose this provider?

Dan Marchiando is a mortgage broker who helps home buyers in Santa Maria and the surrounding communities with their loan-related concerns. He offers fixed-rate and adjustable-rate mortgage options. In addition, Marchiando assists clients in finding mortgages with better terms through various refinancing solutions. He also provides temporary and permanent buydown financing for those who want to reduce their interest rates. The mortgage broker started in the financial industry as a Realtor in 1981. He also serves clients in different parts of the US.

  • Refinance

1111 South Broadway Suite 111, Santa Maria, CA 93454
WebsiteLicense: 1984038

Expertise.com Rating

Review Sources

Zillow
5.0 (307)
Facebook
4.8 (94)
Google
5.0 (1)

Why choose this provider?

Veterans Lending Group is a mortgage loan brokerage firm that serves clients in Santa Maria. It specializes in VA home loans for military service members and their families looking to purchase homes or refinance current mortgages. It offers a VA home buying guide that shows how clients may build credit scores and get pre-approved. It also assists clients through the property appraisal and closing day. Veterans Lending Group educates military families about VA home loan benefits and processes.

  • Refinance
  • New Construction

2615 S Miller Street Suite 109, Santa Maria, CA 93455
WebsiteLicense: 461791

Expertise.com Rating

Review Sources

Facebook
4.8 (21)
Zillow
4.7 (15)
Google
5.0 (10)

Why choose this provider?

Phoebe Jaeckels is a mortgage broker serving customers in Santa Maria. She offers customized mortgage products to homebuyers and homeowners. She and her team assist clients through every step of the mortgage pre-approval process. They help individuals with bad credit history get approved for mortgage financing. They also cater to borrowers who need to consolidate their debts. Jaeckels leads in striving to build long-lasting relationships with clients by communicating with them regularly and prioritizing their needs.

  • Refinance
  • New Construction

1619 S. Broadway, Santa Maria, CA 93454
WebsiteLicense: 352390

Expertise.com Rating

Review Sources

Facebook
5.0 (9)
Google
5.0 (3)
Yelp
3.5 (2)

Why choose this provider?

PB & Associates assists residential property buyers across Santa Maria in finding the right mortgage loan for their purchase. The company offers in-house lending solutions for various real estate purposes. In addition, it provides government-backed loan programs, which include VA, USDA, and FHA. PB & Associates aims to deliver the right mortgage plan for its customers by partnering with more than 25 banks. It has been in the mortgage industry for over 19 years and has served more than 900 clients.

  • Refinance
  • New Construction

722 E Main St Suite 105, Santa Maria, CA 93454
WebsiteLicense: 1466197

Expertise.com Rating

Review Sources

Google
4.7 (13)
Zillow
5.0 (3)

Why choose this provider?

Joey Machado is a mortgage and real estate professional serving customers in Santa Maria and its neighboring areas. He works under Capitol Realty Investment, where he caters to the needs of first-time homebuyers and existing homeowners. Machado provides options for refinancing, home loans, and reverse mortgages, assisting borrowers throughout the transaction process. He worked in numerous industries before starting his career in the mortgage field, including the casino business, where he served as a blackjack and dice dealer.

  • Multi-Family Loans
  • New Construction

Compare our Top Mortgage Brokers

NameExpertise RatingAddressPromotionsLearn more
Dan Marchiando
Veterans Lending Group
1111 South Broadway Suite 111, Santa Maria, CA 93454
Phoebe Jaeckels
2615 S Miller Street Suite 109, Santa Maria, CA 93455
PB & Associates
1619 S. Broadway, Santa Maria, CA 93454
Joey Machado
722 E Main St Suite 105, Santa Maria, CA 93454

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.