Best Mortgage Brokers in Tracy

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CC Mortgage Company logo
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License Verified:

License: 1613881

Nationwide Multistate Licensing System and Registry

CC Mortgage Company

1601 Biarritz St, Tracy, CA 95304
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  • Refinance

Business Description

CC Mortgage Company caters to individuals and families in Tracy and the surrounding communities. The women-owned firm provides financial solutions for clients seeking to purchase a home or refinance their current loans, including FHA, VA, and cash-out. Cheri Caspilo, the founder of the agency, walks customers through every stage of the loan process, from pre-qualification to closing. One client praised Caspilo for regularly updating her via email or phone and making the process easy and manageable.

License Verified:

License: 1613881

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 (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
Compass Home Loans logo
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License Verified:

License: 372497

Nationwide Multistate Licensing System and Registry

Compass Home Loans

450 W Larch Rd #4, Tracy, CA 95304
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  • Refinance
  • New Construction

Business Description

Compass Home Loans caters to the financing needs of homebuyers and owners in the Tracy metro. It offers purchase and refinancing loan programs, including Jumbo, VA, FHA, and USDA. Home equity loans and reverse mortgages are also available. Clients have various rate options, including fixed-rate, interest-only, and graduated payments. Compass Home Loans strives to make the mortgage process easy and minimize closing costs by providing digital solutions, such as online pre-qualification and loan applications, and mortgage calculators.

License Verified:

License: 372497

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
Yelp
4.5 / 5 (8)
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
Howard Davies logo
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License Verified:

License: 274558

Nationwide Multistate Licensing System and Registry

Howard Davies

1190 S. Bascom Avenue Suite 215, San Jose, CA 95128
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  • Refinance
  • New Construction

Business Description

Howard Davies is a reverse and traditional mortgage advisor with American Family Funding Group who serves clients in Tracy and all of California. Davies assists those who want to buy or refinance a home as well as seniors seeking to free up the untapped equity in their residential properties using a reverse mortgage. He also works with those who have credit, proof of income, or down payment challenges but want to enter the home market. Davies has been in the industry since 1998.

License Verified:

License: 274558

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 (19)

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
Mission San Jose Mortgage logo
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License Verified:

License: 936439

Nationwide Multistate Licensing System and Registry

Mission San Jose Mortgage

2111 West March Lane Suite B100, Stockton, CA 95207
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  • Multi-Family Loans

Business Description

Mission San Jose Mortgage assists clients throughout their homeownership journey in Tracy and the surrounding areas. Its team of mortgage brokers offers various types of mortgage options, such as fixed rate, adjustable rate, FHA, VA, and USDA loans, for first-time homebuyers and property investors. They also help those with outstanding mortgages lower monthly payments and get better terms through refinancing. Company founder Omar Khamisa has been personally overseeing half a billion mortgage loans since 2001.

License Verified:

License: 936439

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 (66)
Yelp
5.0 / 5 (21)
Facebook
5.0 / 5 (13)

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
MoneyHungry logo
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License Verified:

License: 2105316

Nationwide Multistate Licensing System and Registry

MoneyHungry

672 West 11th Street #204, Tracy, CA 95376
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  • Refinance

Business Description

MoneyHungry helps clients in Tracy with their lending needs. It offers financing options to individuals who are planning to buy a home or refinance their current mortgages. Its mortgage programs include fixed- and adjustable-rate, interest-only, and graduated payments. Jumbo, FHA, VA, and USDA loans are also available. In addition, the team provides clients with commercial loans such as merchant cash advances, SBA lending, and equipment financing. The company's online loan processing tool utilizes 256-bit encryption to ensure the security of each client.

License Verified:

License: 2105316

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 (13)
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
Rodolfo Ochoa logo
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License Verified:

License: 1514863

Nationwide Multistate Licensing System and Registry

Rodolfo Ochoa

3254 W., Grantline Rd, Tracy, CA 95376
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  • Refinance
  • New Construction

Business Description

Rodolfo Ochoa is a senior mortgage consultant with Cross Country Mortgage, serving residential customers, real estate agents, and builders in Tracy. He assists with home purchasing and refinancing transactions and offers different loan options, including FHA, VA, jumbo, and USDA. He provides adjustable-rate mortgages and 15-year and 30-year fixed rates. He works with first-time homebuyers, long-time homeowners, investment buyers, and homeowners looking to renovate their properties. Ochoa has been working in the industry for over six years.

License Verified:

License: 1514863

Nationwide Multistate Licensing System and Registry

Rush Financial logo
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License Verified:

License: 1778846

Nationwide Multistate Licensing System and Registry

Rush Financial

1430 Renown Drive, Tracy, CA 95376
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  • Refinance
  • New Construction

Business Description

Rush Financial is a Tracy-based company that caters to clients throughout the local metro. It guides aspiring homeowners through the mortgage application process and provides loan programs from federal agencies like the VA, FHA, and USDA. It also offers jumbo loans, a way for borrowers to acquire properties in high-cost communities. Its team educates other clients through the refinancing process and works with owners of different types of properties, including condominiums and townhouses. The company also runs a blog to inform individuals about current housing market trends.

License Verified:

License: 1778846

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
Seth Conley logo
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License Verified:

License: 1595108

Nationwide Multistate Licensing System and Registry

Seth Conley

95 West 11th Street #101, Tracy, CA 95376
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  • Refinance

Business Description

Seth Conley leads the MortgageSeth Team, which has over two decades of experience and is licensed in the state and across North Carolina, Florida, Arizona, Idaho, and Nevada. He offers financing solutions for borrowers in the Tracy metro who are planning to purchase a townhouse, condo, single-family home, or multi-family residence. In addition, he handles refinance transactions. Conley started his career in the industry by working as a sales manager for a local mortgage company.

License Verified:

License: 1595108

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 (46)
Facebook
5.0 / 5 (31)

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
The Mortgage House logo
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License Verified:

License: 262055

Nationwide Multistate Licensing System and Registry

The Mortgage House

1151 W Robinhood Dr, Stockton, CA 95207
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  • Refinance

Business Description

The Mortgage House is a team of loan officers serving Tracy and the surrounding areas. They assist clients through the home loan process, helping them choose from numerous options. The company offers Dignified Reverse Mortgages, which cater to seniors looking to eliminate monthly mortgage payments or purchase new properties to either move closer to family or downsize. Jumbo reverse mortgages are also available. The Mortgage House, which is a member of the Mortgage Bankers Association, started operating in 1995.

License Verified:

License: 262055

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.
4.3
Facebook
4.6 / 5 (11)
Yelp
4.5 / 5 (11)
The Nevis Team logo
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License Verified:

License: 276162

Nationwide Multistate Licensing System and Registry

The Nevis Team

3414 Brookside Road, Stockton, CA 95219
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  • Refinance
  • New Construction

Business Description

The Nevis Team of Evergreen Home Loans takes care of the mortgage needs of individuals, couples, and families throughout Tracy and the surrounding metros. It offers a wide selection of loan options for both first-time and repeat homebuyers, helping them select the appropriate loan for their needs. Refinance loans are also tailored to meet clients' goals, whether to save money on monthly payments or consolidate debts. The Nevis Team has more than 35 years of collective experience in the mortgage industry.

License Verified:

License: 276162

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

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
Valley Capital Lending & Realty, Inc logo
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License Verified:

License: 1412107

Nationwide Multistate Licensing System and Registry

Valley Capital Lending & Realty, Inc

4550 N. Pershing Ave Suite 7, Stockton, CA 95207
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  • Commercial Loans

Business Description

Valley Capital Lending & Realty, Inc., addresses the mortgage needs of people in Tracy. It provides real estate solutions to help families and individuals acquire different residential spaces, such as multi-family homes, condominiums, and mobile houses. The company processes a variety of mortgage products, including FHA, bank statement, investment property, and down payment loans. Owner Angie Garibay is a mortgage broker who has been in the industry for over two decades. She is a member of the Association of Realtors.

License Verified:

License: 1412107

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
Google
4.9 / 5 (45)
Facebook
5.0 / 5 (23)
Yelp
4.5 / 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
Zoom Loans logo
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License Verified:

License: 1312186

Nationwide Multistate Licensing System and Registry

Zoom Loans

3461 Brookside Rd, Suite B, Stockton, CA 95219
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  • Refinance

Business Description

Zoom Loans, founded in 2017, helps Tracy residents navigate the mortgage process. Its team of loan officers assists homebuyers in finding properties that fit their budget and homeowners in refinancing their existing loan to reduce their monthly payment and interest. They also give them pre-approval advice to help them achieve their homeownership goals. The company is an Equal Housing Lender that provides a variety of mortgage options such as VA, FHA, USDA, and jumbo loans.

License Verified:

License: 1312186

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 (66)
Facebook
5.0 / 5 (28)

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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Frequently Asked Questions

Do mortgage brokers need to be licensed?

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.

Is it difficult to pass the mortgage brokers’ test?

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.

What is a surety bond for mortgage brokers?

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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