Expertise.com

Best Mortgage Brokers in Union City

2024

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Providers

Last updated:

Website
39488 Stevenson Pl. Ste. 100, Fremont, CA 94539
  • Refinance

Why choose this provider?

George L. Duarte, a professional under Horizon Financial Associates, serves residents in Union City who need mortgage brokers. He has reverse mortgages fit for the aging members of the community. The agent maintains articles that inform readers about the developments with Freddie Mac loans and the general construction market. Refinancing is also available for current obligations with older and burdensome provisions. The brokerage supports military veterans and is a member of The Veterans Advocacy & Benefits Association.

License Verified:

License: 302219

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 (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
4125 Hopyard Rd., Ste. 225, Pleasanton, CA 94588
  • Refinance

Why choose this provider?

ReRx Capital Inc. is a mortgage brokerage business assisting home buyers and investors in Union City and the neighboring communities. Its representatives provide consultations to help clients explore financing options that suit their needs. The team provides different mortgage options, including fixed-rate, adjustable-rate, jumbo, and USDA loans. In addition, the company offers Home Affordable Refinance Program (HARP) Loans from the Federal Housing Finance Agency. This loan option allows underwater and near-underwater homeowners to refinance their mortgages.

License Verified:

License: 2250879

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 (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
Union City, CA
  • Refinance
  • New Construction

Why choose this provider?

Jocelyn De Guzman, a real estate agent and an independent mortgage broker, has over 17 years of experience assisting clients in their homeownership in Union City and neighboring areas. She provides personalized, step-by-step guidance throughout the process of purchasing, refinancing, and selling residential properties. She deals with various types of properties, including luxury homes, condos, townhouses, and bungalow homes. Former clients praise De Guzman for her ability to educate them about their mortgage options and match a mortgage product according to their needs.

License Verified:

License: 287543

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 (29)
Google
5.0 / 5 (6)
Zillow
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
7031 Koll Center Parkway, Suite 190, Pleasanton, CA 94566
  • Refinance
  • New Construction

Why choose this provider?

William R. Pape, from Excel Realty and Mortgage, serves the locals of Union City and the surrounding communities. He provides mortgage solutions to various types of clients, such as owners of residential single-family homes, multi-family homes, commercial and vacant lands, and condominiums. He utilizes his knowledge of market rates and connections with other mortgage professionals to help his clients make informed choices. Pape works as a broker associate and mortgage loan originator. He has more than 35 years of experience as a Realtor.

License Verified:

License: 245199

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
Realtor
5.0 / 5 (33)
Zillow
5.0 / 5 (23)
Google
5.0 / 5 (14)

(+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
7031 Koll Center Pkwy Suite 190, Pleasanton, CA 94566
  • Multi-Family Loans

Why choose this provider?

Romo Team is part of Excel Realty and Mortgage and caters to the financing needs of individuals and families in Union City. The team assists people in their homeownership journey, starting from document preparation and home search to transaction negotiations and loan funding. These professionals develop mortgage solutions for first-time buyers, relocating clients, and refinancing borrowers. In addition, they serve clients looking to construct homes, planning to buy foreclosed or REO properties, and considering selling their properties.

License Verified:

License: 667492

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 (16)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
799 Fletcher Lane, Hayward, CA 94544
  • Refinance

Why choose this provider?

Optimal Loans delivers residential and commercial lending solutions to clients in Union City. It serves individuals looking to buy homes and refinance their properties. Its products include ARMs, FRMs, jumbo, conforming, home equity, and government-backed loan programs. These options provide benefits such as interest rate and payment fee reduction or term length change. Owner and principal loan officer Karan Singh brings over a decade of experience in real estate and banking management. He has worked with companies, including Wells Fargo and Infineon.

License Verified:

License: 1315421

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 (29)
Facebook
5.0 / 5 (26)
Zillow
5.0 / 5 (5)

(+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
1101 Marina Village Pkwy, Ste 201, Alameda, CA 94501
  • Refinance

Why choose this provider?

Levias Lending is a mortgage brokerage that serves clients in Union City. Owner and loan officer Stephen Levias offers programs such as FHA, HELOC, FHA streamline finance, VA, FHA 203k, and HomePath loans. He also provides 80/10/10 loans. Levias’ passion is in advising clients and sharing knowledge to help them in making sound decisions in home financing. He is an advisor who guides customers in every step of the process of buying homes, moving up to larger homes, downsizing, and refinancing their mortgages.

License Verified:

License: 2096742

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)
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
Union City, CA
  • Refinance

Why choose this provider?

Prasanna Rangaswamy is a loan officer affiliated with Arcus Lending, an Inc. 500-listed mortgage brokerage firm. He assists Union City clients throughout the loan process to make their homeownership dreams a reality. His experience working as an engineer in various tech industries and as a Realtor enables him to help homebuyers navigate the Bay Area market and acquire investment properties. Rangaswamy has been recognized as a member of the “Master” and “Grand Master” achievement clubs by the Bay East Association of Realtors.

License Verified:

License: 1314117

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 (7)
Zillow
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

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.