Expertise.com

2024

Last updated:

Best Mortgage Brokers in West Covina

Our Recommended Top 13

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

39Reviewed

28Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

2040 Plaza Dr., West Covina, CA 91790
WebsiteLicense: 1403499

Expertise.com Rating

Review Sources

Zillow
5.0 (45)
Yelp
5.0 (35)
Google
4.9 (33)

Why choose this provider?

Broker Donaji Zamora owns Donaji and Associates Real Estate, a family-owned business serving clients in and around West Covina. His company helps clients sell, buy, and refinance residential properties. The firm offers different mortgage options to help lessen terms. These loans can also pay off debt for other needs, such as education and emergency expenses. Donaji has been working in the industry since 2005. The company’s office is located inside West Covina Mall for clients' easy access.

  • Refinance
  • New Construction

640 S. Barranca Ave, Covina, CA 91723
WebsiteLicense: 1155129

Expertise.com Rating

Review Sources

Facebook
4.9 (98)
Zillow
5.0 (37)
Yelp
5.0 (7)

Why choose this provider?

C&S California Capital serves clients in and around West Covina. The team provides reverse mortgages to borrowers over the age of 62 who want to tap into their home equity. Other loan products available include FHA, USDA, VA, and specialty loans. The company has been in the industry since 1997. C&S California Capital was acquired by American Pacific Mortgage in 2014, allowing it to become both a direct lender and a loan broker for its clients.

  • Refinance

100 N Citrus St #530, West Covina, CA 91791
WebsiteLicense: 1159831

Expertise.com Rating

Review Sources

Yelp
4.0 (5)

Why choose this provider?

Capital Direct Funding is a family-owned and family-operated business that serves clients in the West Covina metro and the neighboring areas. It offers various loans to mortgage professionals including those for residential, commercial, mixed-use, and single-use properties. It also caters to investors and offers risk analysis, loan program development, lender distributions and reporting, and IRS 1098 and 1099 reporting services. The company's co-founder, Frank Williams, has more than 30 years of experience in the industry.

  • Multi-Family Loans

330 E Rowland St., Covina, CA 91723
WebsiteLicense: 2253601

Expertise.com Rating

Review Sources

Google
4.9 (40)

Why choose this provider?

Estates & Rates serves self-employed individuals, real estate investors, and first-time homebuyers in West Covina. The company assists customers in personalizing their mortgage options by comparing and shopping rates from more than 40 residential lenders, including Angel Oak, Pacific Bay, Essex Mortgage, and Home Point Financial. It provides various loan options, such as USDA, FHA, conventional, and VA. Loan officer and Realtor Chris Borunda helps clients evaluate how much their home will sell in the current market.

  • Refinance

800 S. Barranca Avenue, Suite 270, Covina, CA 91723
WebsiteLicense: 238306

Expertise.com Rating

Review Sources

Facebook
4.9 (31)
Google
5.0 (6)

Why choose this provider?

Carlos Flores is a Covina-based loan officer that caters to clients across West Covina. He helps individuals achieve their goal of homeownership through a range of mortgage options, from VA to FHA loans. Flores offers tools like mortgage calculators to guide his clients with their decision-making. He also provides an FHA 203(k) loan, a program that allows homeowners to renovate their properties. Flores has spent more than 20 years in the industry. He once served as a branch manager at the firm Finance of America Mortgage.

  • Reverse Mortgages

1543 E. Amar Rd., West Covina, CA 91792
WebsiteLicense: 1523764

Expertise.com Rating

Review Sources

Google
5.0 (10)
Facebook
5.0 (7)

Why choose this provider?

Golden Dove Realty is a firm that works for individuals and families in West Covina and the surrounding areas. It offers home purchase, refinance, and rate and term loans and provides reverse mortgage programs and escrow services. It aims to deliver the best mortgage experience by educating clients about the mortgage and real estate process. The founder and CEO of Golden Dove Realty, Belle Gonzales, is the vice president of the West Covina Filipino Lions Club.

  • Commercial Loans

150 N Grand Ave #208, West Covina, CA 91791
WebsiteLicense: 2228453

Expertise.com Rating

Review Sources

Google
5.0 (34)
Facebook
5.0 (13)

Why choose this provider?

GM Brokerage is an independently owned and operated firm that has been serving clients in West Covina and the rest of the Inland Empire since 2016. It provides loan products such as 30-year and 15-year fixed-rate and reverse mortgages as well as FHA and VA loans. It also offers options for self-employed individuals, investors, and foreign nationals. In addition, the team helps refinance existing mortgages. GM Brokerage is a member of the Association of Independent Mortgage Experts.

  • Refinance

315 E San Bernardino Rd, Covina, CA 91723
WebsiteLicense: 333506

Expertise.com Rating

Review Sources

Google
5.0 (10)
Facebook
5.0 (7)
Yelp
5.0 (2)

Why choose this provider?

Lopez Financial Inc caters to individuals and families throughout the Greater West Covina metro. It assists homebuyers in obtaining a loan program that fits their unique situations and needs. Available are bridge and jumbo loans. It also helps clients seeking to lower their interest rates and monthly payments, consolidate their debts, cash out their home's equity, or pay off their mortgages faster through mortgage refinancing. Additionally, its team members aid homeowners aged 62 and above in applying for reverse mortgages.

  • Refinance
  • New Construction

354 E Rowland St., Covina, CA 91723
WebsiteLicense: 317677

Expertise.com Rating

Why choose this provider?

Evelyn Arhart is a mortgage broker that caters to clients located in the West Covina metro and surrounding areas. She is a sales manager for CMG Financial, an NMLS-registered Equal Housing Lender. The firm holds lending approvals with federal agencies like HUD, RHS, FNMA, GNMA, FHLMC, and VA. It has been around since 1993 and has grown fond of innovation through technology, taking advantage of the crowdfunding platform HomeFundIt, and the lending program All In One Loan.

155 N. Riverview Drive, Anaheim Hills, CA 92808
WebsiteLicense: 233318

Expertise.com Rating

Review Sources

Facebook
4.7 (31)

Why choose this provider?

Howard Platte is a branch manager at GEM Mortgage that serves clients in and around West Covina. He sets up loan programs insured or guaranteed by government agencies—like USDA, VA, and FHA—to help individuals acquire properties. He also offers adjustable-rate mortgages and works with various professionals, including home builders and realtors, to provide down payment assistance to aspiring homeowners. Platte additionally assists property owners looking to decrease their interest rates or modify their mortgage terms through refinancing.

  • Refinance

100 N Citrus St #638, West Covina, CA 91791
WebsiteLicense: 1800216

Expertise.com Rating

Review Sources

Google
5.0 (24)
Yelp
5.0 (14)

Why choose this provider?

Prime Equity Mortgage accommodates clients in West Covina. This full-service mortgage brokerage offers various types of loans, such as conventional, FHA, USDA, and VA loans. It also provides conforming and non-conforming loan products for homebuyers and home refinancing programs for current homeowners. Additionally, it assists clients in selling their residential properties. Its mortgage specialists have over 40 years of combined experience in handling mortgage loans. The company has been serving clients for more than a decade.

  • Refinance

1900 W. Garvey Ave S. #100, West Covina, CA 91790
WebsiteLicense: 244948

Expertise.com Rating

Review Sources

Google
5.0 (95)
Zillow
5.0 (92)
Yelp
5.0 (39)

Why choose this provider?

Super Mortgage Bros is a West Covina branch of national mortgage company GEM Mortgage. It was established and is currently operated by brothers Armando and Jerry Novelo. Branch manager Armando helps clients understand the different loan programs they may avail themselves of, the loan process, the requirements they have to submit, and what to expect after lodging their application. Since its founding, Super Mortgage Bros has helped more than 1,500 families obtain a home loan.

  • Refinance

217 N Citrus Ave Ste B, Covina, CA 91723
WebsiteLicense: 1146326

Expertise.com Rating

Review Sources

Google
5.0 (25)

Why choose this provider?

Briseno & Co. serves residents of West Covina who need mortgages to cover their home purchases. These options extend to refinancing products for homebuyers whose current rates are overly burdensome. The team has accommodations for new sales transactions. It has amassed more than a decade's worth of collective experience in the lending sector and has members who are proficient in the Chinese and Spanish tongues. Briseno & Co. operates under the banner of The Mortgage Guys.

  • Refinance

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.