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Best Mortgage Brokers in South Gate, CA

Our Recommended Top 4

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



4Top Picks

Learn about our selection process.


featured provider = Featured Provider

9950 South Laurel St. C & D, Los Angeles, CA 90002
WebsiteLicense: 667788 Rating

Review Sources

5.0 (5)

Why choose this provider?

Julio C. Villacorta is a mortgage lending specialist with First Citizens Bank, serving the residents of the South Gate community. He works with first-time homebuyers and those looking to downsize, trade up, or move to another home. Villacorta offers conventional, FHA, jumbo, and renovation loans, assisting self-employed borrowers and medical professionals. He communicates with clients to understand their needs and present applicable loan options. Villacorta has been helping people achieve homeownership for more than 19 years.

  • Refinance
  • New Construction

7847 Florence Avenue Suite 101, Downey, CA 90240
WebsiteLicense: 1181137 Rating

Review Sources

5.0 (77)
5.0 (11)

Why choose this provider?

Home Central Financial is a full-service mortgage firm catering to individuals and families throughout South Gate and nearby metros. The firm offers a wide selection of customizable mortgage products, such as reverse mortgages, conventional and down payment home assistance programs, FHA 3.5% home purchase loans, and cash-out refinance mortgages. Additionally, its mortgage consultants work closely with clients to help them compare and select suitable programs for their needs and goals. Services are also available in Spanish.

  • Refinance

32172-A, Camino Capistrano, San Juan Capistrano, CA 92675
WebsiteLicense: 378369 Rating

Review Sources

5.0 (545)
5.0 (143)

Why choose this provider?

Christian Hernandez is a residential and commercial lender delivering financial solutions to individuals and families in South Gate. He guides mortgage clients through each step of the financing or refinancing process, starting from application and pre-approval to loan closing. In addition, he and his team at Mares Mortgage deploy the web-based tool Loansifter to help find the best loan options from over 175 banks nationwide. They have been serving the community for more than 20 years. The team gives back to the community through the Mares Foundation.

  • Alternative Income Documentation Loans

Long Beach, CA 90745
WebsiteLicense: 237005 Rating

Why choose this provider?

Centurion Mortgage Finance is open to applications from prospective borrowers within the South Gate metro. The agency offers tailored loaning programs and refinancing plans that match each potential applicant's income and credit score. Its CEO, DeAnna Allensworth, is a third-generation broker who possesses over 15 years of experience in finance and real estate. She uses her knowledge of the local mortgage and real estate markets to help people identify rates and terms that suit their preferences and long-term goals.

  • Refinance
  • New Construction

Compare our Top Mortgage Brokers

NameExpertise RatingAddressPromotionsLearn more
Julio C. Villacorta
9950 South Laurel St. C & D, Los Angeles, CA 90002
Home Central Financial
7847 Florence Avenue Suite 101, Downey, CA 90240
Christian Hernandez
32172-A, Camino Capistrano, San Juan Capistrano, CA 92675
Centurion Mortgage Finance


  • 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.