Expertise.com

2024

Last updated:

Best Mortgage Brokers in Torrance

Our Recommended Top 19

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 Torrance 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

40Curated

19Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
Hermosa Beach, CA 90254
  • Refinance

Why choose this provider?

AWM Realty, Inc., serves residents in Torrance requiring assistance in the acquisition of real estate. The firm advises on and provides clients with information on interest rates, closing costs, and other product alternatives to help them pick the one that best matches their needs. Company owner Linda Wang-Mizukami, who has over 20 years of industry experience, works with lenders such as FHA and the Mortgage Bankers Association of America. She is a bilingual broker who serves both English- and Chinese-speaking clients.

License Verified:

License: 322662

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (11)
Realtor
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1801 South Catalina Avenue, Redondo Beach, CA 90277
  • Refinance

Why choose this provider?

Riviera Funding is a mortgage brokerage firm that serves Torrance and the surrounding areas. Its principal, Brian Diederich, has more than 27 years of experience in the industry. His financial knowledge and practical experience allow the company to offer a comprehensive financial analysis for its clients. In addition, Riviera Funding offers several loan options such as fixed-rate and adjustable-rate mortgages. The company also helps people whose goal is to refinance to bring down their monthly payments, consolidate their debt, pay off their mortgage quickly, or get some cash out of their home equity.

License Verified:

License: 861382

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (8)
Yelp
5.0 / 5 (7)
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
24546A Hawthorne Boulevard, Torrance, CA 90505
  • Refinance

Why choose this provider?

Shawn Carvin is a senior mortgage banker for Pacific Lending, LLC, in Torrance with almost 20 years of experience in the mortgage industry. Shawn handles all types of residential mortgages, mortgage refinancing, and reverse mortgages for homebuyers regardless of credit and income profiles. One of his specialties is working with underserved, overlooked, or even dismissed clients by traditional banks and large lenders. He also provides loan programs backed by the government such as FHA, VA, and USDA mortgages.

License Verified:

License: 320041

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Zillow
5.0 / 5 (43)
Yelp
5.0 / 5 (13)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
4000 Palos Verdes Drive North, Rolling Hills Estates, CA 90274
  • Refinance

Why choose this provider?

South Bay Mortgage Brokers has been helping customers in the community of Torrance and the surrounding areas since 2009. The company offers a wide range of loan programs, such as balloon mortgages, VA loans, interest-only mortgages, and HARP loans. It also provides refinance options that include 203K, USDA, FHA, and jumbo refinance. In addition, its team of brokers guides and assists clients in the entire home loan process. Its owner, Anthony Yousif, has more than 17 years of financing experience.

License Verified:

License: 02078432

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (15)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1611 South Pacific Coast Highway, Redondo Beach, CA 90277
  • Reverse Mortgages

Why choose this provider?

South Bay Equity Lending in Redondo Beach is a mortgage brokerage firm serving Torrance and nearby metros. Established in 1998, it is managed by Matthew Hadnett, who joined the company in 2001. The company handles real estate secured loans that include commercial, residential, lines of credit, second and third mortgages, land, investment, and construction. It also provides refinancing and debt management services as well as reverse mortgage loans for seniors over 62. South Bay Equity Lending has 50 years of consumer lending experience.

License Verified:

License: 313275

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Google
4.0 / 5 (62)
Yelp
5.0 / 5 (25)
Facebook
5.0 / 5 (12)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1845 South Elena Avenue, Redondo Beach, CA 90277
  • Reverse Mortgages

Why choose this provider?

The Riviera Mortgage Group is a brokerage that serves Torrance and the neighboring cities. It offers various purchase, refinancing, and construction loan options such as fixed-rate, adjustable-rate, and balloon loans. In addition, government-backed loan options are also available such as FHA and VA mortgages. The Riviera Mortgage Group has more than 25 years of experience in the industry. It is familiar with the local housing market trends and has a network of various lenders, allowing the company to offer programs that fit the client's needs.

License Verified:

License: 292166

Nationwide Multistate Licensing System and Registry

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
1225 West 190th Street, Gardena, CA 90248
  • New Construction
  • Refinance

Why choose this provider?

1st California Security Investment is a mortgage broker that offers home loan and mortgage refinancing options for residents in the Torrance community. The company has been in business for more than 28 years and is committed to providing financial services that help clients secure home purchases as well as generate additional income streams. Some of its loan programs include conventional loans, fixed and adjustable-rate mortgages, VA loans, home equity lines, as well as commercial loans.

License Verified:

License: 302363

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3551 Voyager Street, Torrance, CA 90503
  • Refinance

Why choose this provider?

Sarah Purcell is a senior mortgage broker for ACC Mortgage Lending that helps clients in Torrance secure residential financing for homes and mortgage plans. She is an NMLS licensed broker that specializes in sourcing and crafting loan programs and mortgage strategies. Some of the services she offers include pre-approvals and advice in securing conventional loans, government loans, and jumbo loans. She also helps in mortgage refinancing options such as HARP 2.0 and reverse mortgages for seniors.

License Verified:

License: 239593

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
4640 Admiralty Way, Marina del Rey, CA 90292
  • Refinance

Why choose this provider?

RPM Mortgage - Los Angeles is a firm that also serves clients in Torrance and the surrounding areas. Its team of mortgage professionals works with first- and second-time home buyers, real estate agents, and investors. The company offers loan programs such as jumbo, super jumbo, conventional, VA, FHA, and bridge loans. It also utilizes a mobile application called "Home On Time" for loan applications. Its branch manager, Dean Wong, has been in the mortgage industry since 2002.

License Verified:

License: 1938

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Yelp
4.0 / 5 (127)
Facebook
4.0 / 5 (35)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
2.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
28901 South Western Avenue, Rancho Palos Verdes, CA 90275
  • Refinance

Why choose this provider?

Julio Sandoval is a mortgage broker serving the Torrance metro. He started his company in 1968 with the goal of helping homeowners and new families acquire a mortgage loan in an easier way. Sandoval offers first-time home loans, VA loans, investment platforms, downpayment assistance, and escrow guidance. He also works on pre-approval processes and property tax management. The company is focused on the quality of its service and strives to provide quick turnaround times for its clientele.

License Verified:

License: 1076097

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (16)
Facebook
5.0 / 5 (12)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
304 Vista Del Mar, Redondo Beach, CA 90277
  • Refinance
  • Purchase Transactions

Why choose this provider?

Frank Kostrencich is a partner of the South Bay branch of C2 Financial Corporation who serves clients in Torrance. He offers a wide range of mortgage loan options for homebuyers and homeowners, including fixed-rate, adjustable-rate, HARP 2.0, FHA, VA, and reverse mortgage loans. He has been in the mortgage business since 1995. Additionally, Frank has been assisting his clients in the state with their home financing needs. He is also licensed in the state of Washington.

License Verified:

License: 238594

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
22939 Hawthorne Boulevard, Torrance, CA 90505
  • Reverse Mortgages

Why choose this provider?

Pacific Funding Solutions is a mortgage company in Torrance founded by Mike Nolan, who has more than 30 years of experience in the mortgage lending industry. The agency offers a wide variety of mortgage solutions, such as conventional loans, VA loans, reverse mortgage, jumbo mortgage, rehab mortgage, CalHFA assistance, and the like. Pacific Funding Solutions is committed to helping its clients find the right mortgage products and securing straightforward mortgages by guiding their clients. It also offers financial tools that fit the client's budget.

License Verified:

License: 1500948

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (3)
Google
5.0 / 5 (1)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
18321 South Western Avenue, Gardena, CA 90248
  • Refinance
  • Commercial Loans
  • Multi-Family Loans

Why choose this provider?

Blue Vista Mortgage is a brokerage that provides a range of loan programs to the residents of Torrance. The company offers FHA loans, VA loans, USDA loans, conventional loans, and other down payment assistance programs. Its agents assist borrowers who plan to construct, purchase, renovate, or refinance their desired homes throughout the process. The company also has refinancing options including VA, FHA, FHA streamline, and consolidation refinancing. Blue Vista Mortgage allows its clients to secure mortgage applications through its website.

License Verified:

License: 2427

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.1
Google
4.0 / 5 (30)
Facebook
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2304 Artesia Boulevard, Redondo Beach, CA 90278
  • Multi-Family Loans
  • Refinance

Why choose this provider?

Established in 1989, Redondo Mortgage Center is a full-service mortgage brokerage firm serving clients in Torrance and the surrounding areas. It caters to real estate agents, builders, and professional individuals in the community and works with several lenders in the South California real estate industry. Its brokers help clients choose the right lender and understand various loan programs, including conventional, jumbo, reverse, FHA, and VA loans. The firm also utilizes multiple resources to monitor the loan progress.

License Verified:

License: 256042

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Yelp
5.0 / 5 (102)
Google
4.0 / 5 (17)
Facebook
5.0 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
24051 Neece Avenue, Torrance, CA 90505
  • Refinance

Why choose this provider?

Midgate Mortgage serves the financial needs of clients in Torrance and its surrounding areas. Its staff assists customers with government financing programs such as FHA and VA loans. It also offers other loan options like commercial, conventional, non-conventional, jumbo, and super jumbo. In addition, the company provides services like reverse mortgages, bridge and hard money loans, and first-time home buyer's programs. Its founder, Steve Chelebian, has been helping people secure financing for their home purchases since 2000.

License Verified:

License: 327902

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (19)
Google
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2321 Rosecrans Avenue, El Segundo, CA 90245
  • Commercial Loans
  • Multi-Family Loans

Why choose this provider?

Alcole Capital Group is a mortgage brokerage firm that serves clients in Torrance. The company specializes in originating various types of loans, such as multifamily loans, adjustable-rate mortgage loans, construction and bridge financing, and soft money loans. It has more than 25 years of mortgage origination experience, over 50 lending sources, 150 million in originations each year, and over 2,000 closed transactions. It also operates with a streamlined and technology-based platform, which keeps it updated on market developments.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Yelp
5.0 / 5 (5)
Google
4.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
24214 Hawthorne Boulevard, Torrance, CA 90505
  • Refinance

Why choose this provider?

Cal Fed Mortgage is a firm that serves the mortgage requirements of families and businesses in Torrance. It offers assistance for refinancing, purchasing homes, and tapping into equity. Additionally, commercial real estate funding is available. Its team is knowledgeable about the local mortgage industry and provides personalized attention for every loan transaction. Cal Fed Mortgage is committed to helping its clients in the application process, from the qualifying phase to getting approval for their preferred mortgage plans.

License Verified:

License: 290315

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (43)
Yelp
5.0 / 5 (21)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
116 South Catalina Avenue, Redondo Beach, CA 90277
  • Refinance

Why choose this provider?

Established in 1987, CB Loans is a mortgage brokerage serving clients in Torrance. Its owner, Craig Barton, caters to clients purchasing, selling, refinancing, or building a residential property. Barton and his team offer a full spectrum of loan options, including jumbo, FHA, and VA loans, as well as reverse and a fixed-rate mortgage. They also assist clients by discussing the details of their loans. Moreover, the company's website provides various tools, such as a payment calculator, refinance analysis, and home value estimate.

License Verified:

License: 358342

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Facebook
4.0 / 5 (17)
Yelp
5.0 / 5 (15)
Google
5.0 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
333 Washington Boulevard, Marina del Rey, CA 90292
  • Refinance

Why choose this provider?

Queen Bee Brokers is a mortgage broker agency offering its services in Torrance. The brokers at this firm oversee the entire loan process for its clients. They go through various lenders that offer loan rates and loan programs that fit the needs of their clients. Queen Bee Brokers guarantees to keep clients' personal information secure and confidential. The company is a member of the National, California, and Malibu Associations of Realtors.

License Verified:

License: 490566

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

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.