Expertise.com
2024

Last updated:

Best Mortgage Brokers in Westminster

Our Recommended Top 14

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

35

Reviewed

26

Curated

14

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
9081 Bolsa Ave STE 205, Westminster, CA 92683
  • Refinance
  • New Construction

Why choose this provider?

Wynn Mortgage Inc. serves the people of Westminster and the surrounding areas. It provides mortgage solutions and assistance to clients who are buying, selling, refinancing, or building their dream homes. Some of the loan programs it offers include fixed and adjustable rates, FHA and VA, investment programs, reverse, and interest-only loans. It also offers options for foreign nationals such as gift funds, salaried, and cash out. Wynn Mortgage has been in operation for more than 19 years.

License Verified:

License: 1644881

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.
4.6
Google
4.5 / 5 (11)
Zillow
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
7659 Garden Grove Blvd, Garden Grove, CA 92841
  • Refinance

Why choose this provider?

OMC Mortgage, Inc., assists with multiple loans and mortgage programs for the people of Westminster. The organization provides a variety of mortgage lending programs, including HARP 2.0, FHA, VA, hybrid adjustable rates, fixed rates, and adjustable rates. Additionally, there are interest-only, balloon, reverse, and graduated payment choices for mortgage programs. Other services include refinancing and home purchase options. The business was founded in 1997. Its website has various educational resources available to educate clients about the mortgage process.

License Verified:

License: 1689508

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 (109)
Yelp
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
3020 Old Ranch Parkway Suite 300, Seal Beach, CA 90740
  • Multi-Family Loans

Why choose this provider?

Karbon Financial serves clients in the Westminster metro and the surrounding areas. The company seeks to assist clients of varying demographics, generations, and income levels in securing mortgage solutions that meet their specific requirements. It offers an assortment of mortgage options, including FHA, VA, jumbo, and fixed- and adjustable-rate loans. Clients looking to lower interest rates and monthly payments may also avail of the firm's refinancing programs. Karbon Financial maintains a network of over 100 wholesale lenders to provide clients with various loan options.

License Verified:

License: 1975139

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 (28)
Yelp
5.0 / 5 (16)
Google
5.0 / 5 (7)

(+1 additional source)

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
9550 Warner Ave Ste 300, Fountain Valley, CA 92708
  • Multi-Family Loans

Why choose this provider?

Choice Home Mortgage serves homebuyers in Westminster. The company represents several lenders and leverages current technology to provide first-time and experienced investors with a variety of home purchase loans. These programs include reverse, jumbo, conventional, FHA, VA, and ARM. Its independent mortgage specialists work with a diverse clientele, ranging from self-employed professionals to individuals with credit issues. The company also provides mortgage refinance programs to individuals looking to pay off their current mortgage faster with a new loan.

License Verified:

License: 1934039

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
4.7 / 5 (121)
Facebook
4.9 / 5 (50)

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
17155 Newhope St., Fountain Valley, CA 92708
  • Reverse Mortgages
  • Refinance

Why choose this provider?

Amerifund Corporation & Realty is a team of mortgage brokers and marketing professionals catering to clients in the Westminster area. It offers brokerage services and mortgage products, including FHA, VA, adjustable-rate, and fixed-rate home loans. The company also provides a selection of refinancing options to help clients achieve their objectives, whether they want to lower their monthly mortgage payments, take advantage of lower interest rates, or withdraw cash from the equity in their home. The mortgage firm is certified by the NMLS.

License Verified:

License: 2174179

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 (54)
Facebook
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

Website
12881 Knott St #107, Garden Grove, CA 92841
  • New Construction

Why choose this provider?

Statewide Mortgage Services provides personalized financial solutions to individuals and families in Westminster. It helps homebuyers purchase residential properties by offering a variety of options, like VA, USDA, and FHA loans, as well as fixed and adjustable-rate mortgages. It also refinances existing loans for those who want to modify existing payment rates. Additionally, its experts help clients search for purchasable homes and get pre-approval for mortgages. The company has been serving the people of California for over 20 years.

License Verified:

License: 1982819

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 (106)
Zillow
5.0 / 5 (83)
Facebook
5.0 / 5 (28)

(+1 additional source)

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
17111 Beach Blvd. Suite 100, Huntington Beach, CA 92647
  • Refinance

Why choose this provider?

Alliance West Financial is a mortgage brokerage firm serving the people of Westminster and the surrounding areas. Its loan officers help borrowers choose a suitable loan program that accommodates their specific needs as prospective home buyers. They offer adjustable-rate, FHA, VA, and jumbo loans as financing options. In addition, Alliance West Financial assists with the acquisition of investment properties as well as cash-out refinancing, which allows clients to take advantage of the equity in their homes.

License Verified:

License: 926951

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
4.8 / 5 (14)
Yelp
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
4450 Cerritos Ave, Los Alamitos, CA 90720
  • Refinance
  • New Construction

Why choose this provider?

CLS Financial is a full-service mortgage firm serving clients' needs throughout Westminster and the surrounding metros. A division of American Pacific Mortgage Corporation, it offers a wide selection of loan programs to help match clients with suitable mortgages that meet their particular goals and requirements. The options range from conventional and jumbo loans to government loans such as FHA and VA, as well as a variety of down payment assistance programs. Since its establishment, CLS Financial has assisted over 2,000 clients.

License Verified:

License: 1108729

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 (178)
Google
5.0 / 5 (148)
Zillow
4.9 / 5 (89)

(+1 additional source)

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
18351 Beach Blvd Ste A, Huntington Beach, CA 92648
  • Refinance

Why choose this provider?

Pacific One Lending and Real Estate is a veteran-owned and veteran-operated mortgage company that serves clients in Westminster and the surrounding areas. It offers different types of purchase loan programs, including conventional, HomePath, jumbo, FHA, VA, and USDA. For refinancing clients, it provides Streamline and Cash-out loan options. The company also assists commercial and self-employed clients. It is headed by Chris Beard, the CEO and senior loan officer with over 17 years of industry experience.

License Verified:

License: 1543

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.
4.7
Facebook
5.0 / 5 (27)
Google
4.3 / 5 (11)
Yelp
4.0 / 5 (9)

(+2 additional sources)

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
17272 Newhope Street, Suite J, Fountain Valley, CA 92708
  • Refinance

Why choose this provider?

Orange County Mortgage serves homeowners and real estate investors across Westminster and the surrounding areas. The company offers to help business owners and self-employed individuals apply for bank statements or DSCR loan programs without needing to prepare tax returns and employment verification documents. It also guides homeowners aged 62 years and older to reduce their monthly housing expenses and obtain cash from their equity by providing reverse mortgages. Orange County Mortgage has been operating for more than 23 years.

License Verified:

License: 362428

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 (31)
Facebook
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
4952 Warner Ave Suite 251, Huntington Beach, CA 92649
  • Refinance

Why choose this provider?

Quest Home Loans is a boutique mortgage firm that caters to the needs of individuals and families throughout Westminster and the neighboring locations. It assists clients looking to acquire or refinance a variety of residential properties in selecting from a vast array of loan program options. It also collaborates with a diverse portfolio of loan providers to provide clients with rates that adequately suit their individual requirements. In its ten years of operation, the firm has processed $200,000,000 in funded loans for its clients.

License Verified:

License: 1930287

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 (30)
Google
5.0 / 5 (21)

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
12881 Knott Street #102, Garden Grove, CA 92841
  • Refinance
  • New Construction

Why choose this provider?

Dang Mortgage Team attends to the home purchasing and refinancing needs of residents in and around the Westminster area. Its mortgage advisors utilize their knowledge of ever-changing mortgage programs and market conditions in helping clients choose suitable loans to meet their needs. They also help homeowners navigate the refinancing process, catering to those looking to cash out from home equity or lower interest rates. Some of the products the Dang Mortgage Team offers are jumbo loans and adjustable-rate and reverse mortgages.

License Verified:

License: 1977377

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)
Facebook
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
14351 Euclid St, Ste 1W, Garden Grove, CA 92843
  • Multi-Family Loans

Why choose this provider?

Loan Factory helps Westminster residents achieve their homeownership dreams and interest rate goals. Its loan officer, Huy Nguyen, negotiates, originates, and processes mortgages on behalf of borrowers. In addition, he provides customized loan options, real-time rate quotes, and timely updates on market rate movements, as well as rate comparisons across multiple lenders. Loan Factory is licensed to operate in several states, including Alabama, Arizona, and Arkansas. It strives to provide mortgage options that match clients' unique needs using modern technology.

License Verified:

License: 1063226

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 (1846)
Zillow
5.0 / 5 (374)
Yelp
4.5 / 5 (20)

(+1 additional source)

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
5882 Bolsa Ave Suite 250, Huntington Beach, CA 92649
  • Refinance

Why choose this provider?

The Mortgage Hub, based in Huntington Beach, serves clients throughout Westminster and its surrounding areas. The business provides a vast range of loan programs for those planning to buy their first home, refinance their mortgage, or purchase an investment property. Its team works with clients in finding loan product that meets their needs, including VA, FHA, jumbo, and fixed-rate mortgages. The Mortgage Hub was initially founded as a personal real estate service provider in 2009.

License Verified:

License: 248755

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
Facebook
5.0 / 5 (64)
Google
5.0 / 5 (47)

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

Frequently Asked Questions

  • 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.