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2024

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Best Mortgage Brokers in Sunnyvale, CA

Our Recommended Top 18

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

54Reviewed

39Curated

18Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

275 Saratoga Avenue, Santa Clara, CA 95050
WebsiteLicense: 280238

Expertise.com Rating

Review Sources

Google
5.0 (16)
Facebook
5.0 (7)

Why choose this provider?

Tina Elias Mortgage is a mortgage brokerage firm owned and operated by loan officer Tina Elias. She evaluates different loan options to provide the plan that will fit the needs of families and commercial clients in the Sunnyvale area. She processes loans such as conventional financing, jumbo, or any special programs chosen by the clients. Tina Elias can also assist homeowners in refinancing their homes to take money out, lower monthly payments, and changing their loan's interest rates. She has over 15 years of industry experience.

  • Refinance

1149 Cherry Street, San Carlos, CA 94070
WebsiteLicense: 242083

Expertise.com Rating

Review Sources

Yelp
4.5 (9)

Why choose this provider?

Jeff Phillips is the vice president at HPI Financial who has two decades of residential lending experience. He assists clients in Sunnyvale looking to purchase a house, refinance a mortgage, or consolidate their debt. He tailors financial solutions based on his assessment of the individual's objectives and situation. He offers different loan programs, such as downpayment options, reverse mortgage, and conventional, FHA, and jumbo loans. Jeff also guides clients through the refinance and debt consolidation processes.

  • Reverse Mortgages

20111 Stevens Creek Boulevard, Cupertino, CA 95014
WebsiteLicense: 326422

Expertise.com Rating

Review Sources

Yelp
5.0 (4)

Why choose this provider?

Pacific Lynx Mortgage Corporation, is a Cupertino-based mortgage company providing home loan purchase and refinancing services in Sunnyvale. Its mortgage professionals assist clients in exploring financial options with terms and rates that meet the needs and situations of clients. Clients can opt for a fixed-rate mortgage, conventional mortgage, or jumbo loan options. Owner and broker, Deric Duran, has been in the mortgage industry since 1985 and is committed to establishing lifelong trust by only working with repeat clients and referrals.

  • New Construction

223 West Main Street, Los Gatos, CA 95030
WebsiteLicense: 333563

Expertise.com Rating

Review Sources

Facebook
5.0 (2)

Why choose this provider?

Golden Mortgage Company, Inc., is a family-owned and family-operated residential mortgage business located in Los Gatos and servicing Sunnyvale and nearby towns. Since its establishment in 1987, the company has been specializing in home financing needs, loan processing, lowering the current mortgage payment, and cash-outs for home equity. Its line of products includes fixed-rate mortgages, interest-only mortgages, adjustable-rate mortgages, and FHA loans. Golden Mortgage Company likewise offers home equity lines of credit, mobile home loans, and hard money loans.

  • Refinance

275 Saratoga Avenue, Santa Clara, CA 95050
WebsiteLicense: 306302

Expertise.com Rating

Review Sources

Yelp
5.0 (122)
Google
5.0 (10)
Facebook
4.0 (4)

Why choose this provider?

Established in 2005, The Loan Story is a mortgage company providing various loans, helping repair credits, handling refinances with lenders, and finding niche programs in Sunnyvale. It accommodates clients who do not have green cards, works with all kinds of visas, and assists even those without social security numbers. Moreover, the agency offers reverse mortgage options that produce cash payments per month. The Loan Story president Maria Chen has over 30 years of experience in the mortgage industry.

  • Refinance

4970 El Camino Real, Los Altos, CA 94022
WebsiteLicense: 1850

Expertise.com Rating

Review Sources

Yelp
5.0 (20)

Why choose this provider?

Diversified Capital Funding is a mortgage brokerage serving customers in Sunnyvale and the surrounding areas. The company helps individuals refinance or purchase their first home and assists real estate agents to build their businesses. Some of its popular loan programs include VA IRRRL refinance, VA purchase, FHA streamline refinance, conventional mortgage, and jumbo loans. The company also has a unique loan called H.E.C.M. or Home Equity Conversion Mortgage for borrowers ages 62 years old and above.

  • Refinance

5201 Great America Parkway, Santa Clara, CA 95054
WebsiteLicense: 348583

Expertise.com Rating

Review Sources

Yelp
5.0 (2)

Why choose this provider?

Vijay Grover provides mortgage consultations to Sunnyvale. He caters to clients who want to buy single-family, condominium, townhouse, multi-family, or manufactured residential properties. He helps them apply for home purchasing loan programs, such as FHA, VA, USDA, and jumbo. In addition, he gives clients a chance to choose from several mortgage rate options, including fixed-rate, interest-only, graduated payments, and adjustable ARM. Grover also offers mortgage refinancing services to help clients change their loan terms, take cash out, and lower their monthly payments.

  • Refinance

1525 McCarthy Boulevard, Milpitas, CA 95035
WebsiteLicense: 864575

Expertise.com Rating

Review Sources

Google
4.0 (18)

Why choose this provider?

Interfirst Lending is a mortgage broker that serves clients in the Sunnyvale area. The firm's team works to give clients, whether first-time homebuyers or seasoned real estate investors, a helpful guide and assistance in finding home loans with a fast-closing timeline. Its mortgage advisors explain to clients their options and the process they have to go through with the mortgages and house buying. Interfirst Lending offers general types of loans, such as fixed, ARM, and jumbo loans.

  • Refinance
  • Purchase Transactions

2975 Bowers Avenue, Santa Clara, CA 95051
WebsiteLicense: 316406

Expertise.com Rating

Review Sources

Yelp
5.0 (51)
Facebook
5.0 (1)

Why choose this provider?

Veridian Mortgage is a brokerage firm that offers customized loan options for refinancing, cash-out, and residential home purchases in Sunnyvale. Its team of professionals presents solutions to fit each individual's financial capabilities, from home down payment programs to cash-out refinancing. It also efficiently gathers most of the documentation required in the process. Veridian Mortgage works with over 100 lenders and strives to provide transparency in every aspect of the process to help its clients make sound decisions.

  • New Construction
  • Refinance

4100 Moorpark Avenue, San Jose, CA 95117
WebsiteLicense: 257332

Expertise.com Rating

Review Sources

Facebook
5.0 (2)
Google
5.0 (1)

Why choose this provider?

DCI Mortgage & Investment aids in exploring loan options for clients in Sunnyvale. It brokers lending opportunities tailored to single- or multi-family homes, rentals, commercial and investment properties, and special purpose properties. It also offers liquidity features for trust deed investment and provides customized trust deed programs. DCI founder and CEO John Knowles is a member of various associations, such as the Chamber of Commerce and SILVAR. He has a background in originating private and institutional loans and mortgage banking for Silicon Valley.

  • Multi-Family Loans

2799 Middlefield Road, Palo Alto, CA 94306
WebsiteLicense: 312162

Expertise.com Rating

Review Sources

Google
5.0 (11)
Yelp
5.0 (6)

Why choose this provider?

University Investments, Inc., provides mortgage opportunities for clients in Sunnyvale. It aids in the pre-qualification, selection, approval, and follow-up of residential loans of either fixed or adjustable rates, including 10 to 25-year fixed mortgages and 30 to 40-year interest-only fixed mortgages. It also offers to refinance homes and look into equity loans for home improvement, repairs, and remodeling. Founded in 1993, University Investments identifies itself as both a mortgage finance company and an investment tracking company, and it has advised clients on general real estate finance.

  • Refinance

6020 Hellyer Avenue, San Jose, CA 95138
WebsiteLicense: 279873

Expertise.com Rating

Review Sources

Yelp
4.9 (188)
Google
5.0 (39)
Facebook
4.8 (31)

Why choose this provider?

101 Loan is a mortgage broker company serving clients in Sunnyvale and the surrounding areas for over 30 years. The company specializes in purchasing, refinancing, and reverse mortgage of properties and commercial financing of properties. It has access to over 50+ lenders, which allows the company to customize financing plans for either long-term or short-term goals and needs. 101 Loan prioritizes the client's needs before offering solutions to solve their mortgage concerns.

  • Refinance
  • Reverse Mortgages

116 East Campbell Avenue, Campbell, CA 95008
WebsiteLicense: 325332

Expertise.com Rating

Review Sources

Yelp
5.0 (57)
Google
5.0 (18)

Why choose this provider?

Loans by Irene is represented by Irene Moustakas, a licensed mortgage broker who provides real estate solutions to clients in Sunnyvale. She has been in the industry for 17 years, and she strives to educate her clients about real estate and mortgages. She assists clients looking to buy a house or another investment property with a variety of mortgage solutions, including conventional, FHA, and VA loans. Moreover, Irene guides clients in refinancing their existing mortgages.

  • Refinance

1754 Technology Drive, San Jose, CA 95110
WebsiteLicense: 289969

Expertise.com Rating

Review Sources

Yelp
4.9 (196)
Google
4.7 (24)

Why choose this provider?

Stephen Wong is a senior loan officer for BayOne Real Estate Investment Corp. He serves the housing loan needs of residents of Sunnyvale and surrounding areas. BayOne is headquartered in San Jose. Stephen Wong specializes in first-time homebuyer consultations and refinancing analysis. Additionally, he provides loan programs like conventional loans, high balance loans or jumbo loans, and investor loans. Stephen Wong has worked in the mortgage industry since 2003 and has more than ten years of experience with residential lending.

  • New Construction
  • Refinance

2875 El Camino Real, Palo Alto, CA 94306
WebsiteLicense: 293138

Expertise.com Rating

Review Sources

Yelp
5.0 (8)

Why choose this provider?

Nikki James has over 30 years of experience as a mortgage and personal financial advisor. She caters to families and individuals in Sunnyvale, Palo Alto, and the surrounding areas. James is also a mortgage banker with Flagstar Bank. She gauges her clients' resources, circumstances, needs, goals, and capabilities to match them with the right program. James is experienced in a variety of loans, including jumbo, flex, and bridge mortgages. She also assists foreign nationals and expatriates in obtaining loan programs for investment properties.

  • New Construction
  • Refinance

1350 Old Bayshore Highway, Burlingame, CA 94010
WebsiteLicense: 286946

Expertise.com Rating

Review Sources

Google
4.0 (48)
Yelp
5.0 (8)
Zillow
5.0 (8)

Why choose this provider?

Joanne Shen helps clients in Sunnyvale who are planning to buy a home or refinance their existing mortgage. Joanne uses her background and knowledge in finance and business administration to provide proper guidance for her customers throughout the loan process. With her team of professionals, she helps families and individuals gather the necessary paperwork, search for appropriate listings, and locate a Realtor when needed. Previous customers who have worked with Joanne have praised her ability to acquire the most suitable rates for them.

  • Refinance

1250 Aviation Avenue, San Jose, CA 95110
WebsiteLicense: 244238

Expertise.com Rating

Review Sources

Yelp
5.0 (116)
Google
4.0 (104)
Facebook
5.0 (10)

Why choose this provider?

Shawn Sidhu has been in the mortgage industry for almost two decades representing C2 Financial Corporation. The mortgage firm in Sunnyvale has been serving customers throughout the states of Colorado, Washington, California, and Oregon. C2 Financial Corporation creates customized mortgages suited to the needs of every home buyer and assists them in the refinancing process. C2 is also offering its service on a reverse mortgage. The company is associated with the Association of Mortgage Professionals and the Association of Independent Mortgage Experts.

  • Refinance

790 Laurel Street, San Carlos, CA 94070
WebsiteLicense: 279873

Expertise.com Rating

Review Sources

Yelp
4.0 (6)

Why choose this provider?

Bay Area Capital Funding conducts loan origination and mortgage brokering activities for the residents and businesses of Sunnyvale. Its mortgage consultants help clients navigate the mortgage process and offer different loan programs, such as residential refinance and mortgages, home construction loans, equity lines, and rehab loans. Bay Area Capital Funding is a subsidiary of Silicon Valley Capital Funding, Inc. Its website streamlines loan applications through an online list of requirements, application checklist, and customer portal.

  • New Construction

Compare our Top Mortgage Brokers

NameExpertise RatingAddressPromotionsLearn more
Tina Elias Mortgage
275 Saratoga Avenue, Santa Clara, CA 95050
Jeff Phillips
1149 Cherry Street, San Carlos, CA 94070
Pacific Lynx Mortgage Corporation
20111 Stevens Creek Boulevard, Cupertino, CA 95014
Golden Mortgage
223 West Main Street, Los Gatos, CA 95030
The Loan Story
275 Saratoga Avenue, Santa Clara, CA 95050
Diversified Capital Funding
4970 El Camino Real, Los Altos, CA 94022
Vijay Grover
5201 Great America Parkway, Santa Clara, CA 95054
Interfirst Lending
1525 McCarthy Boulevard, Milpitas, CA 95035
Veridian Mortgage
2975 Bowers Avenue, Santa Clara, CA 95051
DCI Mortgage & Investment
4100 Moorpark Avenue, San Jose, CA 95117
University Investments
2799 Middlefield Road, Palo Alto, CA 94306
101 Loan
6020 Hellyer Avenue, San Jose, CA 95138
Loans by Irene
116 East Campbell Avenue, Campbell, CA 95008
Stephen Wong
1754 Technology Drive, San Jose, CA 95110
Nikki James
2875 El Camino Real, Palo Alto, CA 94306
Joanne Shen
1350 Old Bayshore Highway, Burlingame, CA 94010
C2 Financial Corporation
1250 Aviation Avenue, San Jose, CA 95110
Bay Area Capital Funding
790 Laurel Street, San Carlos, CA 94070

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.