Expertise.com

2024

Last updated:

Best Mortgage Brokers in Victorville

Our Recommended Top 5

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

34Reviewed

22Curated

5Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
California 18, Apple Valley, CA
  • Refinance

Why choose this provider?

Apple Valley Mortgage Lenders is led by Adolph Collaso, a loan officer. The business provides customers in Victorville and the surrounding communities with mortgage solutions. It is a subsidiary of Cherry Creek Mortgage, LLC, a privately owned and operated mortgage banking company. It provides a comprehensive range of loan options, including FHA, VA, USDA, conventional, and jumbo loans. Cherry Creek Mortgage has been in the business of providing individuals access to various loan programs for more than 30 years.

License Verified:

License: 249695

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
9329 Mariposa Road, Hesperia, CA 92344
  • Refinance

Why choose this provider?

Paramount Residential Mortgage Group, Inc., - Hesperia is a technology-based company that has been serving clients in Victorville and its surrounding areas since 2001. The company provides residential home lending and mortgage banking services. It also handles in-house processing, underwriting, and documents. Its network of professional mortgage loan originators helps homeowners manage their mortgage needs. It offers Fannie Mae's Homestyle Renovation program, VA, FHA, and USDA products. In addition, the business is also a Freddie Mac direct lender and GNMA issuer.

License Verified:

License: 75243

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.
4.0
Google
4.0 / 5 (551)

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
12180 Ridgecrest Road, Victorville, CA 92395
  • Refinance

Why choose this provider?

Paramount Residential Mortgage Group, Inc., is an independently owned mortgage company that serves customers in Victorville and the surrounding areas. The company's loan options include conventional, DPA, FHA, jumbo, and USDA loans. In addition, it offers reverse mortgages and VA loans. Paramount Residential Mortgage Group works hand-in-hand with clients throughout the entire loan process, including pre-qualification, underwriting, appraisal, final approval, and closing. Frank Castanos, the regional manager, has been working with the company since 2005.

License Verified:

License: 4131268

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 (104)

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.
2.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
17260 Bear Valley Road, Victorville, CA 92395
  • Refinance

Why choose this provider?

Mountain West Financial Inc is a mortgage brokerage company located in Victorville. The company was established in 1990 and has been assisting clients in reaching their short-term and long-term goals since then. Mountain West Financial offers two exclusive loan programs, namely the CalPATH and PATH programs which were developed for individuals serving the local community. The company also pioneers its own loan process called FastForward, which includes automated submission of requirements for faster application and approval.

License Verified:

License: 164497

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.
4.0
Yelp
3.5 / 5 (6)
Google
4.0 / 5 (5)
Facebook
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

Website
9113 SVL Box, Victorville, CA 92395
  • New Construction
  • Refinance

Why choose this provider?

Mojave River Mortgage is a mortgage company that serves clients in Victorville. It offers a variety of mortgage loan options for homebuyers and homeowners, including fixed-rate, adjustable-rate, interest-only, graduated payment, FHA, and VA loans. It is well-versed in the difference between the pre-qualification and pre-approval processes, ways to deduct mortgage interest from taxes, and the advantages and disadvantages of interest-only mortgages. Bo Goulet, the company's broker-owner, oversees rehab projects, originates home loans, and manages real estate portfolio assets.

License Verified:

License: 1495717

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

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.