Best Mortgage Brokers in Union City

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Carousel Mortgage logo
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License Verified:

License: 1078061

Nationwide Multistate Licensing System and Registry

Carousel Mortgage

Foothill Blvd, Hayward, CA 94541
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  • Refinance

Business Description

Carousel Mortgage works with home buyers and owners, and investors in Union City. It offers USDA, FHA, VA, and refinancing loans. It also caters to clients looking for reverse mortgages and home equity lines of credit. The mortgage broker shops for loan options from multiple lenders to find one that fits the borrower's rate and term preferences. Carousel Mortgage deals with a diverse array of residential properties, from single-family residences and condos to manufactured homes. Most loans are closed within 15 days on average.

License Verified:

License: 1078061

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
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Detail
First Rate Mortgage logo
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License Verified:

License: 298938

Nationwide Multistate Licensing System and Registry

First Rate Mortgage

2450 Peralta Blvd. Suite 201-C, Fremont, CA 94536
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  • Refinance
  • New Construction

Business Description

First Rate Mortgage is a locally owned and operated brokerage firm that serves the residents of Union City and the surrounding areas. It provides real estate financing assistance to a wide range of clients, from first-time home buyers to commercial developers. Types of loan programs it offers include jumbo, hard money, conforming, FHA, and VA loans. In addition, it assists with different types of refinancing programs. First Rate Mortgage has been in business for more than two decades.

License Verified:

License: 298938

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 (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
Jocelyn De Guzman logo
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License Verified:

License: 287543

Nationwide Multistate Licensing System and Registry

Jocelyn De Guzman

Union City, CA
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  • Refinance
  • New Construction

Business Description

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 (31)
Google
5.0 / 5 (6)
Facebook
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
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Detail
Levias Lending logo
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License Verified:

License: 2096742

Nationwide Multistate Licensing System and Registry

Levias Lending

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

Business Description

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
Optimal Loans logo
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License Verified:

License: 1315421

Nationwide Multistate Licensing System and Registry

Optimal Loans

799 Fletcher Lane, Hayward, CA 94544
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  • Refinance

Business Description

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
Facebook
5.0 / 5 (25)

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
Prasanna Rangaswamy logo
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License Verified:

License: 1314117

Nationwide Multistate Licensing System and Registry

Prasanna Rangaswamy

Union City, CA
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  • Refinance

Business Description

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 (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
ReRx logo
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License Verified:

License: 2250879

Nationwide Multistate Licensing System and Registry

ReRx

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

Business Description

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

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
Romo Team logo
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License Verified:

License: 667492

Nationwide Multistate Licensing System and Registry

Romo Team

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

Business Description

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
Google
4.7 / 5 (14)

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
––
William R. Pape logo
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License Verified:

License: 245199

Nationwide Multistate Licensing System and Registry

William R. Pape

7031 Koll Center Parkway, Suite 190, Pleasanton, CA 94566
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  • Refinance
  • New Construction

Business Description

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 (17)
Google
5.0 / 5 (14)

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
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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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