Expertise.com

2024

Last updated:

Best Mortgage Brokers in Vista

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

36Reviewed

26Curated

12Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
5810 El Camino Real #D, Carlsbad, CA 92008

Why choose this provider?

Great Rate Home Loans serves residential property buyers in Vista and the neighboring communities. It helps clients with their first-time home purchases through different loan options and assists with the documents needed to secure the loan. In addition, it offers refinancing solutions for those who want to replace their current mortgage with one that has better rates. The agency also has a refinance cash-out option for clients who want to convert their home equity into cash.

License Verified:

License: 1885084

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 (20)
Google
5.0 / 5 (2)

Website
508 W Mission Ave #200, Escondido, CA 92025
  • Refinance

Why choose this provider?

Robison Home Loans employs mortgage professionals to help individuals, families, or investors in the Vista metro and the surrounding areas who are planning to purchase a residential property. They guide potential homebuyers in getting pre-approved to learn more about how much they can qualify for and access a more streamlined home search for their home-buying journey. They also educate them on the available options, including VA, FHA, Jumbo, USDA, and HARP loans and help them make informed mortgage decisions.

License Verified:

License: 393335

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 (65)
Facebook
5.0 / 5 (35)

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
425 W. 5th Ave, Ste 205, Escondido, CA 92025
  • Refinance

Why choose this provider?

The Federal Capital Funding Group caters to individuals and families within the Vista area. Its team has a varied selection of options that includes jumbo, FHA, and VA loans, as well as conventional fixed and adjustable rate mortgages. It draws from its experience working with various lenders to offer recommendations that fit a client's financial situation and credit score. It also offers first-hand insight into market trends and interest rates to help applicants gauge their potential choices according to the factors involved.

License Verified:

License: 1853714

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

Website
4167 Avenida De La Plata, Suite 104, Oceanside, CA 92056
  • Refinance

Why choose this provider?

Eagle Nest Realty & Mortgage Inc. serves property buyers in Vista. The company assists individuals and families in achieving their homeownership goals through its home purchase loans. It specializes in VA purchase loans, serving the mortgage needs of veterans, active duty officers, and their families. The team also offers conventional, FHA, Jumbo, home improvement, and refinancing loans. Mike Erickson was an active-duty and reserve Marine Corps aviator before founding the company in 1997. He also served as section leader in several combat missions during the Gulf War.

License Verified:

License: 324224

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 (42)
Zillow
5.0 / 5 (4)

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
2131 Palomar Airport Rd., Carlsbad, CA 92011
  • Refinance

Why choose this provider?

Eduardo Lejbman is the branch manager of ReNew Lending. The company assists clients in Vista and nearby areas in applying for mortgages. It offers multiple loan programs to meet the specific needs of each client, including conventional, VA, FHA, and USDA loans. Whether the purpose is to buy a house or refinance an existing mortgage, Lejbman and his team are available to help. ReNew Lending uses industry-standard technology that allows clients to obtain mortgages directly from a lender.

License Verified:

License: 371524

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 (10)

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
2424 Vista Way Suite 105, Oceanside, CA 92054
  • Refinance

Why choose this provider?

Pacific Coast Home Mortgage promotes homeownership by connecting borrowers and lenders in Vista. It provides various mortgage loan options, including construction, home equity, and jumbo, as well as VA and FHA. Its loan officers guide borrowers and their families through the home loan process to select mortgage programs tailored to their needs and financial circumstances. The brokerage has amortization, debt consolidation, and prepayment calculators to help clients project their potential expenses. It also strives to build long-term client relationships by sharing its residential mortgage knowledge.

License Verified:

License: 237888

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 (37)

Website
150 E Broadway, Vista, CA 92084
  • Refinance

Why choose this provider?

The Willson Team has a team of mortgage brokers who assists borrowers in the area of Vista. It offers VA, FHA, non-qualified, conventional, and jumbo loans to clients who are looking to purchase or refinance their homes. Its team of loan officers processes, funds, and underwrites in-house loans. The Willson Team aims to educate its clients by providing classes and seminars to help them identify the right loan that will suit their home needs and financial situation.

License Verified:

License: 68758

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
5.0 / 5 (52)
Yelp
3.5 / 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
2103 S. El Camino Real #108, Oceanside, CA 92054
  • Reverse Mortgages

Why choose this provider?

Home Mortgage Experts is a family-owned full-service company that has been catering to clients in Vista since 2009. Its team of over 20 professionals discusses matters concerning government lending options, such as USDA and FHA loans. It also provides Veterans Affairs financing for former members of the military and their spouses. In addition, Home Mortgage Experts offers high-balance conforming loans guaranteed by Fannie Mae and Freddie Mac, as well as jumbo loans and reverse mortgages.

License Verified:

License: 393510

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 (43)

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
244 Flores Lane, Vista, CA 92083
  • Refinance
  • New Construction

Why choose this provider?

Shaffer Realty & Mortgage offers assistance to clients throughout the Vista metro and the nearby metros. Mortgage broker Steven Shaffer brings more than two decades of experience helping clients achieve their goal of homeownership, providing them with a wide selection of loan options that meet their specific needs and goals. Additionally, as a Realtor, he has access to a vast network of properties to help clients find their dream homes. Shaffer has thousands of successfully closed mortgages.

License Verified:

License: 352982

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.
4.8
Zillow
4.9 / 5 (38)
Google
5.0 / 5 (16)
Yelp
4.0 / 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
701 Palomar Airport Rd #301, Carlsbad, CA 92011
  • Refinance
  • New Construction

Why choose this provider?

Since 2020, Rik Purpura has been working with clients in Vista. He advises first-time or second-time home buyers through the mortgage financing process. Purpura also educates individuals looking to obtain down payment assistance and qualify for government-backed mortgages. For senior homeowners aiming to access their property's equity, the company offers to set up a reverse mortgage. Purpura has spent more than 15 years in the real estate industry. He previously worked as a realtor at the San Diego-based firm Berkshire Hathaway HomeServices California Properties.

License Verified:

License: 1784175

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 (21)
Facebook
5.0 / 5 (12)

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
100 South Escondido Blvd., Escondido, CA 92025
  • Refinance

Why choose this provider?

Countywide Mortgage Lending is a team of home loan professionals serving the Vista area. Since 2003, the brokerage has been helping customers choose among financing options for single-family homes, multi-unit properties, condos, townhouses, or high-rise buildings. It offers a variety of conventional and government loans, including jumbo, FHA, VA, fixed-rate, and adjustable-rate mortgages. CalHFA, CHDAP, and ACCESS programs, as well as investor and portfolio products, are available. Countywide Mortgage Lending is a division of Golden Empire Mortgage.

License Verified:

License: 275472

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.
4.8
Google
5.0 / 5 (47)
Yelp
4.5 / 5 (4)

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
1932 Kellogg Ave,, Carlsbad, CA 92011
  • Refinance

Why choose this provider?

DG Funding has been serving Vista and nearby locations since 2012. It offers a wide range of loan products, from fixed- and adjustable-rate mortgages to FHA, VA, and jumbo loans. The company also provides HELOC loans, which allow clients to cash out from equity to fund major expenses like a college education or home repairs. DG Funding, which has helped more than 2,200 families, was established by Peter Gaddi, who has been working in the mortgage industry since 2007.

License Verified:

License: 918742

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.
4.8
Google
4.9 / 5 (247)
Yelp
4.7 / 5 (121)
Facebook
4.7 / 5 (19)

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.