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2024

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Best Mortgage Brokers in Union City, CA

Our Recommended Top 8

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

26Reviewed

18Curated

8Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

39488 Stevenson Pl. Ste. 100, Fremont, CA 94539
WebsiteLicense: 302219

Expertise.com Rating

Review Sources

Facebook
5.0 (7)
Google
5.0 (1)

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.

  • Refinance

4125 Hopyard Rd., Ste. 225, Pleasanton, CA 94588
WebsiteLicense: 2250879

Expertise.com Rating

Review Sources

Google
5.0 (2)

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.

  • Refinance

Union City, CA
WebsiteLicense: 287543

Expertise.com Rating

Review Sources

Yelp
5.0 (29)
Google
5.0 (6)
Zillow
5.0 (1)

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.

  • Refinance
  • New Construction

1101 Marina Village Pkwy, Ste 201, Alameda, CA 94501
WebsiteLicense: 2096742

Expertise.com Rating

Review Sources

Google
5.0 (17)
Yelp
5.0 (2)

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.

  • Refinance

Union City, CA
WebsiteLicense: 1314117

Expertise.com Rating

Review Sources

Google
5.0 (7)
Zillow
5.0 (2)

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.

  • Refinance

7031 Koll Center Pkwy Suite 190, Pleasanton, CA 94566
WebsiteLicense: 667492

Expertise.com Rating

Review Sources

Zillow
5.0 (16)

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.

  • Multi-Family Loans

7031 Koll Center Parkway, Suite 190, Pleasanton, CA 94566
WebsiteLicense: 245199

Expertise.com Rating

Review Sources

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

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.

  • Refinance
  • New Construction

799 Fletcher Lane, Hayward, CA 94544
WebsiteLicense: 1315421

Expertise.com Rating

Review Sources

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

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.

  • Refinance

Compare our Top Mortgage Brokers

NameExpertise RatingAddressPromotionsLearn more
George L. Duarte
39488 Stevenson Pl. Ste. 100, Fremont, CA 94539
ReRx
4125 Hopyard Rd., Ste. 225, Pleasanton, CA 94588
Jocelyn De Guzman
Levias Lending
1101 Marina Village Pkwy, Ste 201, Alameda, CA 94501
Prasanna Rangaswamy
Romo Team
7031 Koll Center Pkwy Suite 190, Pleasanton, CA 94566
William R. Pape
7031 Koll Center Parkway, Suite 190, Pleasanton, CA 94566
Optimal Loans
799 Fletcher Lane, Hayward, CA 94544

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.