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Best Mortgage Brokers in Vista

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Countywide Mortgage Lending logo

Countywide Mortgage Lending

100 South Escondido Blvd., Escondido, CA 92025
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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.

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DG Funding logo

DG Funding

1932 Kellogg Ave,, Carlsbad, CA 92011
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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.

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Eagle Nest Realty & Mortgage Inc. logo

Eagle Nest Realty & Mortgage Inc.

4167 Avenida De La Plata, Suite 104, Oceanside, CA 92056
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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.

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Federal Capital Funding Group logo

Federal Capital Funding Group

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

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Home Mortgage Experts logo

Home Mortgage Experts

2103 S. El Camino Real #108, Oceanside, CA 92054
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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.

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Mike West logo

Mike West

400 S Melrose Dr, Vista, CA 92081
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Mike West is a mortgage broker with C2 Financial Corporation serving the Vista area. He provides a wide variety of loan programs, including mortgages with one- to 30-year terms depending on a fixed or adjustable rate of interest. Available packages also include FHA, VA, commercial and investment, jumbo home, and first-time homebuyer loans, as well as home equity lines. As a mortgage coach, Mike guides his clients through the process of buying, selling, refinancing, or building a residential property.

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Pacific Coast Home Mortgage logo

Pacific Coast Home Mortgage

2424 Vista Way Suite 105, Oceanside, CA 92054
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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.

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Rik Purpura logo

Rik Purpura

701 Palomar Airport Rd #301, Carlsbad, CA 92011
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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.

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Robison Home Loans logo

Robison Home Loans

508 W Mission Ave #200, Escondido, CA 92025
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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.

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Shaffer Realty & Mortgage logo

Shaffer Realty & Mortgage

244 Flores Lane, Vista, CA 92083
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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.

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The Willson Team logo

The Willson Team

150 E Broadway, Vista, CA 92084
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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.

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Frequently Asked Questions

Q: Do mortgage brokers need to be licensed?

A: 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.

Q: Is it difficult to pass the mortgage brokers’ test?

A: 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.

Q: What is a surety bond for mortgage brokers?

A: 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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