Best Mortgage Brokers in Sunnyvale

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101 Loan logo

101 Loan

6020 Hellyer Avenue, San Jose, CA 95138
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  • Refinance
  • Reverse Mortgages

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.

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Adeline Mortgage Team logo

Adeline Mortgage Team

1601 South De Anza Boulevard, Cupertino, CA 95014
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  • Refinance

Adeline Mortgage Team are Capurtino-based mortgage brokers, providing creative financing options for Sunnyvale residents. It has 15 years of experience in buying properties, fixing & flipping homes, and the overall construction of homes. It assists clients in navigating through the mortgage process system, from pre-approval to purchasing and refinancing of their homes. The firm is upfront about its borrowers' terms and is committed to helping clients make well-informed decisions by educating them about limitations as well as mortgage opportunities.

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Bay Area Capital Funding logo

Bay Area Capital Funding

790 Laurel Street, San Carlos, CA 94070
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  • New Construction

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.

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Broker One Mortgage logo

Broker One Mortgage

95 1st St Ste 120, Los Altos, CA 94022
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  • New Construction
  • Refinance

Broker One Mortgage is a mortgage brokerage firm that serves clients in Sunnyvale and several locations nationwide. It caters to individual homebuyers, builders, and real estate professionals. The firm offers adjustable-rate mortgages (ARM) such as annual ARM, monthly ARM, and hybrid ARM. Thirty-year and fifteen-year fixed-rate mortgage options are also available. Borrowers may access the company's website to download and apply for a loan; review the mortgage checklist and calculate mortgage amortization; and check their loan application status.

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C2 Financial Corporation logo

C2 Financial Corporation

1250 Aviation Avenue, San Jose, CA 95110
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  • Refinance

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.

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Cyrus Ghazvini logo

Cyrus Ghazvini

3080 Olcott Street, Santa Clara, CA 95054
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  • Refinance

Cyrus Ghazvini is a loan consultant that assists the financing needs of home and business owners in Sunnyvale. He offers adjustable and fixed loans to clients who need to purchase or refinance mortgages. Furthermore, the mortgage professional specializes in financing properties that have up to four units through various programs, such as conventional, VA, CRA, and FHA loans. Ghazvini, who also provides loan modification assistance, has been working in the industry for nearly two decades.

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DCI Mortgage & Investment logo

DCI Mortgage & Investment

4100 Moorpark Avenue, San Jose, CA 95117
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  • Multi-Family Loans

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.

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Diversified Capital Funding logo

Diversified Capital Funding

4970 El Camino Real, Los Altos, CA 94022
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  • Refinance

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.

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Emily Cheng logo

Emily Cheng

1234 W El Camino Real, Sunnyvale, CA 94087
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  • Refinance

Emily Cheng of Chase provides financing services to clients throughout Sunnyvale. She is a senior home lending advisor with 19 years of experience specializing in pre-qualification and loan processing for self-employed, low-to-moderate income clients, condo and co-op buyers, and first-time homeowners. She also works with conforming loans and jumbo mortgage applicants. Emily guides clients through the process, ensuring that they have a positive experience with home loans. Furthermore, Chase provides online mortgage tools and resources to better serve its clients.

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Golden Mortgage logo

Golden Mortgage

223 West Main Street, Los Gatos, CA 95030
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  • Refinance

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.

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Granite Financial Real Estate Loans, Inc logo

Granite Financial Real Estate Loans, Inc

21627 Stevens Creek Boulevard, Cupertino, CA 95014
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  • Refinance

Granite Financial Real Estate Loans, Inc. has over three decades of experience providing Sunnyvale with mortgage services. Its team of mortgage brokers assists clients in the home purchase loan, refinancing, and debt consolidation processes. These professionals also specialize in home equity loans, reverse mortgages, and jumbo, FHA, VA, and cash-out home loans. In addition, Granite Financial Real Estate Loans has local resources and interactive tools to determine rate quotes and home purchase or refinance information.

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Interfirst Lending logo

Interfirst Lending

1525 McCarthy Boulevard, Milpitas, CA 95035
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  • Refinance
  • Purchase Transactions

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.

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Jeff Phillips logo

Jeff Phillips

1149 Cherry Street, San Carlos, CA 94070
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  • Reverse Mortgages

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.

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Joanne Shen logo

Joanne Shen

1350 Old Bayshore Highway, Burlingame, CA 94010
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  • Refinance

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.

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Loans by Irene logo

Loans by Irene

116 East Campbell Avenue, Campbell, CA 95008
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  • Refinance

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.

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Nikki James logo

Nikki James

2875 El Camino Real, Palo Alto, CA 94306
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  • New Construction
  • Refinance

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.

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Pacific Lynx Mortgage Corporation logo

Pacific Lynx Mortgage Corporation

20111 Stevens Creek Boulevard, Cupertino, CA 95014
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  • New Construction

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.

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SpoLoan Mortgage Banking logo

SpoLoan Mortgage Banking

3790 El Camino Real, Palo Alto, CA 94306
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  • Refinance
  • Multi-Family Loans

Spoloan Mortgage Banking is founded and led by Joel Spolin, a residential mortgage banker with 20 years of experience. It provides mortgage brokerage services to Sunnyvale and its surrounding communities. Using proprietary software combined with personal service matches a client’s financial profile with over a thousand mortgage products from 80 of the country’s biggest lenders. It counsels borrowers on the best financing option and helps with the negotiation and closing process of the chosen loan program.

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Stephen Wong logo

Stephen Wong

1754 Technology Drive, San Jose, CA 95110
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  • New Construction
  • Refinance

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.

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The Loan Story logo

The Loan Story

275 Saratoga Avenue, Santa Clara, CA 95050
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  • Refinance

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.

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The Mortgage Group of Silicon Valley logo

The Mortgage Group of Silicon Valley

690 West Fremont Avenue, Sunnyvale, CA 94087
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  • New Construction

The Mortgage Group of Silicon Valley is a team of mortgage professionals serving clients in Sunnyvale. The company offers various loan options for first-time homebuyers and self-employed individuals, including alternative financing, FHA, VA, and reverse mortgage programs. It also caters to clients who are looking for refinancing and home equity solutions. Moreover, the company's website has online tools and calculators to help its customers analyze their monthly mortgages. Clients can also secure an online application from the company's website and get pre-approved within five minutes.

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Tina Elias Mortgage logo

Tina Elias Mortgage

275 Saratoga Avenue, Santa Clara, CA 95050
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  • Refinance

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.

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University Investments logo

University Investments

2799 Middlefield Road, Palo Alto, CA 94306
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  • Refinance

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.

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Veridian Mortgage logo

Veridian Mortgage

2975 Bowers Avenue, Santa Clara, CA 95051
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  • New Construction
  • Refinance

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.

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Vijay Grover logo

Vijay Grover

5201 Great America Parkway, Santa Clara, CA 95054
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  • Refinance

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.

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Frequently Asked Questions

Q: Do mortgage brokers need to be licensed?

A: 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.

Q: Is it difficult to pass the mortgage brokers’ test?

A: 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.

Q: What is a surety bond for mortgage brokers?

A: 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.

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