Expertise.com
2024

Last updated:

Best Mortgage Brokers in Tustin

Our Recommended Top 12

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

31

Reviewed

23

Curated

12

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
2552 Walnut Ave Ste 220, Tustin, CA 92780
  • Refinance

Why choose this provider?

Express Capital has been serving the mortgage refinancing needs of individuals in Tustin since 2004. It offers USDA, VA, FHA, jumbo, and conventional loans and aims to find mortgage options customized to clients' situations, reduce interest rates, and negotiate loan terms. Its clients include first-time home buyers and self-employed borrowers. Its staff members have over 75 years of collective experience in the mortgage industry. Express Capital extends its services to the residents of Los Angeles, Anaheim, and Irvine.

License Verified:

License: 790396

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 (65)
Yelp
5.0 / 5 (17)
Facebook
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
222 Fashion Ln., Tustin, CA 92780
  • Refinance

Why choose this provider?

LoanRx is a team of lending experts who serve clients in Tustin. Its services are available for those who are looking to refinance or purchase a home. It offers various loan products, such as fixed-rate and adjustable-rate mortgages, cash-out refinance, and VA and FHA loans. It also caters to the lending needs of investors and commercial clients. In addition, it guides clients in the real estate buying and selling process. Jenny Bui and Blaine Podkowa partnered in 2018 to establish the company as a real estate and mortgage service provider.

License Verified:

License: 2085556

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 (17)
Facebook
5.0 / 5 (6)

Website
14742 Newport Ave. #104, Tustin, CA 92780
  • Refinance

Why choose this provider?

RefiNow Financial is a full-service brokerage catering to aspiring and current homeowners in Tustin. Its team members examine clients' individual financial situations to design mortgage solutions according to each specific goal. Through partnerships with major lenders, the company delivers a variety of mortgage programs, including refinancing for lower rates or cashout. It updates clients with the latest market trends and rate changes to guide them with decision-making. RefiNow Financial has been responding to the community's homeownership needs since 2013.

License Verified:

License: 1108700

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 (11)
Google
5.0 / 5 (4)

Website
202 Fashion Ln Ste. 223, Tustin, CA 92780
  • Commercial Loans

Why choose this provider?

West Capital Lending has been addressing the mortgage needs of buyers and investors in and around Tustin since 2016. Its loan officers help individuals and families obtain their preferred residential spaces through their array of mortgage solutions. The company assists borrowers in filing loan applications to acquire VA, FHA, conventional, non-QM, interest-only, and reverse mortgage programs. It also provides refinancing solutions to reduce customers' monthly interest rates. One of the founders, Daniel Iskander, has been in the industry for over a decade.

License Verified:

License: 1566096

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 (538)
Yelp
4.5 / 5 (69)
Facebook
5.0 / 5 (11)

Website
161 Fashion Lane, Suite 206, Tustin, CA 92780
  • Refinance
  • New Construction

Why choose this provider?

Santiago Financial, Inc., caters to clients in the Tustin metro and the surrounding communities. The company helps individuals and families realize their homeownership dreams by offering land and home real estate loans. These include conventional, FHA, FHA 203K rehabilitation, and VA loans. The firm also provides mortgage programs for customers who are looking to purchase new and used manufactured homes or multi-family properties. Santiago Financial brings more than 40 years of experience in the industry.

License Verified:

License: 302948

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.
4.2
Google
4.4 / 5 (90)
Facebook
4.5 / 5 (73)
Yelp
3.5 / 5 (39)

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.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
2932 Daimler Street, Santa Ana, CA 92705
  • Refinance

Why choose this provider?

Since 1987, Keith DeJohn has been helping Tustin clients obtain loan programs that meet their needs. The mortgage specialist assists borrowers seeking to save money with lower interest rates or cash out through refinancing. He strives to take the hassle and stress associated with the mortgage process by reviewing his clients’ unique real estate situations and offering custom-tailored products. He also works with first-time and investment buyers, second home owners, and seniors seeking reverse mortgages. DeJohn is a senior mortgage banker affiliated with nationwide lender, Arbor Financial Group.

License Verified:

License: 252519

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 (49)
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
2522 Chambers RD Suite 106, Tustin, CA 92780
  • Commercial Loans

Why choose this provider?

RWB Lending offers a variety of financial solutions to borrowers in Tustin. It offers adjustable-rate loans with 5/1, 7/1, and 10/1 options and fixed-rate loans ranging from 10 to 30 years. It also provides FHA mortgages for homeowners who want to cash out as much as 85% of their homes’ value and VA loans for those with higher debt-to-income ratios. The company has five loan officers, with three of them having a combined 56 years of experience.

License Verified:

License: 1488745

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 (62)
Yelp
5.0 / 5 (6)

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
17341 Irvine Blvd., Tustin, CA 92780
  • Refinance

Why choose this provider?

TransUnited Financial Services, Inc., strives to meet the mortgage needs of clients in Tustin. Its mortgage lenders help individuals who plan to buy a home. They assist people seeking to refinance to a lower monthly mortgage payment, pay off their loan faster, or get cash out of their home project. Mortgage advice is also available. The team offers various loan programs and walks clients through the entire process, which involves online application, getting approved, closing the loan, and managing the acquired mortgage.

License Verified:

License: 349801

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
Google
4.8 / 5 (49)
Zillow
4.6 / 5 (24)
Yelp
4.0 / 5 (15)

Website
14742 Plaza Dr., Tustin, CA 92780
  • Reverse Mortgages
  • Refinance

Why choose this provider?

Dove Financial is a mortgage company that has been serving residential and commercial clients in Tustin and the surrounding areas for more than 30 years. It specializes in mobile home loans. Its mortgage options include reverse mortgages, conventional, private money, FHA, VA, jumbo, and family loans. The company also offers refinancing programs to lower monthly amortizations, reduce interest rates, and cash out from home equity. For the convenience of its clients, Dove Financial caters to online applications and assessments.

License Verified:

License: 353000

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.
3.8
Google
4.5 / 5 (8)
Yelp
1.0 / 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
17822 17th St. Suite 110, Tustin, CA 92780
  • Refinance

Why choose this provider?

The mortgage brokers of United Finance Corporation serve Tustin residents. The company aims to build long-term relationships and trust with clients as a direct loan lender. It provides conventional loans that cater to more types of property and terms and offers government FHA loans that are ideal for first-time buyers. The firm’s non-QM loans are geared toward real estate investors, small business owners, and self-employed workers. United Finance Corporation has been in business for a decade.

License Verified:

License: 1572922

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
Zillow
5.0 / 5 (159)
Facebook
5.0 / 5 (30)
Yelp
5.0 / 5 (15)

(+1 additional source)

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
1211 Puerta Del Sol, Suite 150, San Clemente, CA 92673
  • Refinance

Why choose this provider?

Avid Mortgage Solutions caters to clients in the Tustin metro and the surrounding communities. It offers different mortgage programs, helping first-time homebuyers, refinancers, and individuals who want to utilize their home's existing equity or consolidate high-interest debts. The loan options it provides include 15- and 30-year fixed mortgages, jumbo, FHA, HARP, USDA, and VA loans. It also assists with applying for 203K, adjustable rate, and reverse mortgages. Alan Stuhr, a co-founder, has been working in the industry for more than 20 years.

License Verified:

License: 1656848

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 (60)
Facebook
5.0 / 5 (30)
Yelp
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
17852 E. 17th St. Suite 107, Tustin, CA 92780
  • New Construction

Why choose this provider?

Prime Choice Funding is a family-owned firm that has been serving Tustin since 2007. It has veteran loan specialists on staff certified by the National Association of Mortgage Brokers, working with borrowers to obtain their goal of homeownership. The firm provides numerous loan programs, including FHA, VA, and jumbo loans and fixed and adjustable-rate mortgages. Its loan originators also cater to self-employed individuals, providing investor solutions that allow them to purchase or refinance properties without tax returns and traditional income documentation.

License Verified:

License: 117375

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
Google
4.7 / 5 (1229)
Yelp
3.0 / 5 (89)
Facebook
4.7 / 5 (88)

(+1 additional source)

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

Frequently Asked Questions

  • 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.