Expertise.com

2024

Last updated:

Best Mortgage Brokers in Stockton

Our Recommended Top 16

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

85Reviewed

57Curated

16Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

20 North Sutter Street, Stockton, CA 95202
WebsiteLicense: 1704390

Expertise.com Rating

Why choose this provider?

De’Lane Financial Solutions is a Stockton-based mortgage brokerage company that provides solutions to residents of the metro. It offers different types of loans. Belinda Butcher is a mortgage officer for De’Lane Financial Solutions who is committed to finding the right mortgage product from a variety of options that will fit the individual requirements of her clients. De’Lane Financial Solutions makes securing a mortgage straightforward by providing up-to-date financial tools that help clients make sound financial choices.

  • Reverse Mortgages

2111 West March Lane, Stockton, CA 95207
WebsiteLicense: 936439

Expertise.com Rating

Review Sources

Google
5.0 (66)
Yelp
5.0 (21)
Facebook
5.0 (13)

Why choose this provider?

Mission San Jose Mortgage, Inc., is a brokerage that serves customers in Stockton and its surrounding areas. The firm offers a wide range of residential mortgage loan options, including conventional, hard and soft money, jumbo, and pledged assets. Moreover, it deals with government home loans, such as FHA, reverse mortgage, USDA, and VA. Omar Khamisa, its CEO and president, has 20 years of experience in the mortgage industry. He works with clients purchasing various properties, including bank-owned, condominiums, REOs, and single-family homes.

  • New Construction
  • Refinance
  • Commercial Loans

1919 Grand Canal Boulevard, Stockton, CA 95207
WebsiteLicense: 235005

Expertise.com Rating

Review Sources

Yelp
4.0 (11)
Google
4.0 (10)
Facebook
5.0 (1)

Why choose this provider?

H.O.M.E. Lending is a Stockton full-service mortgage broker helping clients acquire a variety of financing options that suit their needs. The company assists individuals in getting reverse mortgages, conventional loans, investment property loans, and first-time buyer loans. It also works with them on refinancing existing loans, consulting with them on why they should consider refinancing and their available options. Its loan officers work closely with clients and keep them updated with information about their options.

  • New Construction
  • Refinance

5713 North Pershing Avenue, Stockton, CA 95207
WebsiteLicense: 252853

Expertise.com Rating

Review Sources

Google
5.0 (94)
Facebook
5.0 (18)
Yelp
5.0 (6)

Why choose this provider?

Central Valley Mortgage Group is a mortgage broker that serves clients in Stockton. It specializes in providing various loan options for homebuyers and homeowners, including FHA loans, VA home loans, conventional loans, USDA loans, and HELOC mortgages. It also offers several niche programs, such as down payment assistance programs, GAP, STAND, and GSFA, to meet the needs of local borrowers. From its location in Stockton, it has extended its services to San Joaquin County, Stanislaus County, Madera County, and Tuolumne County.

  • Refinance

6820 Pacific Avenue, Stockton, CA 95207
WebsiteLicense: 300435

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

Stockton Mortgage RELSC serves investors and borrowers in the metro by providing them with mortgage loans to complete their real estate transactions. It handles a wide range of customizable loan products to fit different needs, such as residential and commercial programs, refinance ventures, and loans for large acreage estates, open lots, and agricultural property. With 40 years of experience in the industry, its loan specialists strive to create a positive business environment to achieve its goal of becoming the go-to place for mortgages.

  • Refinance

2880 North Tracy Boulevard, Tracy, CA 95376
WebsiteLicense: 268702

Expertise.com Rating

Review Sources

Facebook
5.0 (62)
Yelp
5.0 (13)

Why choose this provider?

Roni Gonzalez is a senior loan officer at Diversified Capital Funding. She provides her loan services to clients in the Stockton area. Gonzalez guides clients through the loan process, from pre-approvals until the closing of the loan. The types of loans Gonzalez provides include conventional mortgages, reverse mortgages, and VA mortgages. Some of the other loans she offers include jumbo loans, USDA loans, and FHA loans. Gonzalez has more than 20 years of experience in the home financing industry.

  • Refinance

2324 Grand Canal Boulevard, Stockton, CA 95207
WebsiteLicense: 250966

Expertise.com Rating

Review Sources

Facebook
4.9 (135)
Zillow
5.0 (1)

Why choose this provider?

Christin Blair is a Stockton-based mortgage broker with more than two decades of experience in the industry. She is affiliated with GoPrime Mortgage, an insurance agency that was founded by John Rodgers in 2005. Blair is familiar with the operations aspect of lending and has funded and processed loans for various clients with differing needs. Christin Blair offers various loan options, such as USDA, VA, FHA, and conventional loans. Besides her problem-solving skills, customers like that she is easy to reach and responsive.

  • Purchase Transactions

4600 North Pershing Avenue, Stockton, CA 95207
WebsiteLicense: 326257

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

Yesicanown is a mortgage broker serving clients in Stockton. The firm helps clients in finding the right loan options for their unique needs. It offers a wide range of mortgage options, such as VA, FHA, USDA, and fixed rate. The agency is led by Leandra J. Lowe-Evans, an experienced broker who believes in the importance of proper planning for anyone who wants to own a home. Clients can utilize the tools on the company's website, such as the payment and refinance calculators.

  • Multi-Family Loans

12647 Alcosta Boulevard, San Ramon, CA 94583
WebsiteLicense: 1141

Expertise.com Rating

Review Sources

Google
5.0 (760)
Yelp
4.0 (41)
Facebook
5.0 (21)

Why choose this provider?

Mason-McDuffie Mortgage is a San Ramon-based company that extends its services to investors and homebuyers in the Stockton metro. It aims to help individuals achieve their dream homeownership through its mortgage services. The loan officers from the company assist clients in acquiring single- and multi-family homes, townhouses, and condominiums by offering them various loan programs. These include jumbo, conventional, USDA, VA, and FHA loans. Additionally, they help individuals in refinancing their loans. The company was founded in 1887.

  • Refinance
  • Multi-Family Loans

2180 West Grant Line Road, Tracy, CA 95377
WebsiteLicense: 2145130

Expertise.com Rating

Review Sources

Google
5.0 (16)
Yelp
3.0 (2)

Why choose this provider?

RoundPoint Mortgage Servicing Corporation has been serving clients in Stockton since 2007. The company has local loan officers who work with clients to help them understand the home loan that fits their needs, including specialized solutions. It offers an extensive selection of loan products including FHA loans, VA loans, USDA loans, and conventional loans in addition to refinancing options. RoundPoint Mortgage Servicing Corporation gives back to the community through initiatives such as back-to-school drives and collaborating with the American Cancer Society.

  • New Construction
  • Refinance

3461 Brookside Road, Stockton, CA 95219
WebsiteLicense: 1312186
Website

Expertise.com Rating

Review Sources

Google
4.0 (64)
Facebook
5.0 (16)

Why choose this provider?

Zoom Loans is a Stockton-based mortgage brokerage company that has been serving the metro for several years and has assisted hundreds of clients during its tenure. The company aims to complete loan processes in 30 days and begins with comparing rates, evaluating properties, and obtaining cash-out refinancing. Zoom Loans specializes in veterans, military, hard-to-do, second home, and jumbo loans, and also caters to other types of loan programs that fit the needs and lifestyles of its varied clientele.

  • Refinance
  • Purchase Transactions

3031 West March Lane, Stockton, CA 95219
WebsiteLicense: 1482128

Expertise.com Rating

Review Sources

Google
5.0 (30)

Why choose this provider?

Stockton-based GEM Mortgage is a division of Golden Empire Mortgage and has been in the industry for 30 years. Its team is made up of loan officers and loan consultants that provide families and individuals with down payment assistance by connecting them to programs and funds from housing finance agencies, Realtors, and home builders. GEM Mortgage also provides a variety of home loan options, such as adjustable-rate and fixed-rate mortgage options as well as FHA, VA, buyers' assistance, and conventional loans programs.

  • Purchase Transactions

3031 West March Lane, Stockton, CA 95219
WebsiteLicense: 314122

Expertise.com Rating

Review Sources

Google
5.0 (11)

Why choose this provider?

Joseph Varni of Alpha Mortgage is a real estate agent that guides mortgage borrowers with a comprehensive range of mortgage options. Together with Alpha Mortgage, he serves first-time homebuyers, second home buyers, refinancing homeowners, and investment buyers with conventional, governmental, and private placement mortgages. He helps clients review their current financial situation and obtain the lowest possible mortgage. Varni brings 25 years of experience in the industry. His services are available to residents of Stockton and other surrounding areas.

  • New Construction
  • Refinance

1759 Cherokee Road, Stockton, CA 95215
WebsiteLicense: 01360125

Expertise.com Rating

Review Sources

Google
5.0 (3)

Why choose this provider?

Investment Mortgage is a brokerage that delivers loan products to the residents of the Stockton metro. It provides loan program options that include jumbo, VA, USDA, and FHA home loans. It also offers mortgage rate options comprising fixed-rate, adjustable-rate, interest-only, and graduated payments. Moreover, its team customizes mortgage solutions for clients who plan to purchase or refinance their homes. Through the Investment Mortgage website, they can evaluate their options, secure loan applications, and pre-qualify for home loans.

  • Refinance

5250 Claremont Avenue, Stockton, CA 95207
WebsiteLicense: 1154031

Expertise.com Rating

Review Sources

Google
3.0 (3)
Facebook
5.0 (2)
Yelp
5.0 (1)

Why choose this provider?

Majestic Mortgage Services, Inc., is a company that caters to clients in Stockton and its nearby areas. It offers a wide variety of loan programs, such as FHA, jumbo, refinance, and VA loans. Moreover, the business provides adjustable- and conventional fixed-rate mortgages, with available terms that range from 10 to 40 years. Previous clients have commended the team at Majestic Mortgage Services for promptly responding to their questions and walking them through the entire loan process.

  • New Construction

1212 W Robinhood Dr Ste 4E Stockton , CA 95207, Stockton, CA 95207
WebsiteLicense: 309234

Expertise.com Rating

Review Sources

Google
5.0 (31)
Yelp
4.0 (9)
Facebook
4.4 (7)

Why choose this provider?

The Mortgage House is a mortgage lender that serves clients from its Stockton location. It assists them in their home financing needs through the full range of loan options it provides. Whether a borrower is purchasing a home, making a home improvement, or refinancing an existing mortgage to reduce monthly rates, its loan specialists help tailor the appropriate program for its clients. To date, The Mortgage House has funded a total of $10 billion worth of loans for Californian residents.

  • New Construction

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.