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Best Mortgage Brokers in Costa Mesa, CA

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

40Reviewed

29Curated

14Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

18071 Fitch Ste. 200, Irvine, CA 92614
WebsiteLicense: 961754

Expertise.com Rating

Review Sources

Google
4.8 (1513)
Zillow
4.9 (402)
Facebook
4.8 (329)

Why choose this provider?

E Mortgage Capital is a brokerage company serving Costa Mesa and specializing in conventional and government-backed residential home loans. It assists with applying for home purchasing loans and mortgage refinancing. Through loan refinance, clients may reduce their monthly payments, settle their previous mortgage, or obtain cash to use for other purposes. E Mortgage Capital is a family-owned and family-operated venture with its principal owners having a combined experience of 40 years in the mortgage industry. It also operates in other states, such as Arizona, Montana, New Hampshire, and North Carolina.

  • Refinance

949 South Coast Drive, Suite 490, Costa Mesa, CA 92626
WebsiteLicense: 1758747

Expertise.com Rating

Review Sources

Google
4.8 (97)
Yelp
4.0 (16)
Facebook
5.0 (5)

Why choose this provider?

Landmark Mortgage Capital serves individuals, families, first-time buyers, and investors in Costa Mesa and nearby areas. It helps clients customize their home mortgages and refinancing needs, such as acquiring home equity loans from home alterations or purchasing a property. It offers a variety of streamlined loan options such as FHA, USDA, VA, ARM fixed-rate, and reverse mortgages. Company president Mike Timoschuk is a loan officer and veteran real estate agent. He previously headed the California Association of Mortgage Brokers.

  • Refinance

3420 Bristol Street, Suite 600, Costa Mesa, CA 92626
WebsiteLicense: 76967

Expertise.com Rating

Review Sources

Google
4.4 (302)
Yelp
4.0 (285)
Zillow
4.5 (19)

Why choose this provider?

LoanSnap is a Costa Mesa-based mortgage company, established to help improve clients' financial conditions. It offers flexible mortgage programs, including VA, FHA, and HELOC, and assists clients with non-conforming loans. It utilizes a smart loan, a digital platform where clients can remotely track their financial situation, navigate programs, and receive updates and follow-ups. As an act of charity, LoanSnap supports veterans and their families by donating a part of its profits through Operation Home Foundation. The company has been featured in Bloomberg, VentureBeat, Forbes, and Business Insider.

  • Refinance
  • New Construction

950 S Coast Drive, Suite 220, Costa Mesa, CA 92626
WebsiteLicense: 1935005

Expertise.com Rating

Review Sources

Google
5.0 (674)
Zillow
4.9 (53)
Yelp
4.4 (32)

Why choose this provider?

Clear Mortgage Capital, Inc. helps customers purchase or refinance their homes in the area of Costa Mesa. The business has mortgage brokers who assist customers in choosing the right home loan that will suit their needs and financial status. It also offers various loan options such as jumbo, adjustable rate, FHA, VA, and conventional. The business has funded $2.8 billion in loans to refinanced and purchased homes and aims to create more accessible homeownership through its digital application process.

  • Refinance

6 Hutton Centre Drive Suite 1030, Santa Ana, CA 92707
WebsiteLicense: 237507

Expertise.com Rating

Review Sources

Google
4.8 (300)
Yelp
4.5 (199)
Facebook
5.0 (61)

Why choose this provider?

LoanLock has a team of mortgage brokers based in Costa Mesa, California focused on assisting buyers in a comprehensive process of acquiring new homes. Home-buyers are offered several products such as fixed loans, ARM, jumbo loans, FHA, VA loans, and Non-Qm suite expanded. They seek to have transparency, personal communication, and green paperless transactions. LoanLock has funded over $10B in loan volume and 50 thousand and more borrowers served. In addition, they also provide services to other neighboring states.

  • Refinance

555 Anton Blvd, Suite 150, Costa Mesa, CA 92626
WebsiteLicense: 242944

Expertise.com Rating

Review Sources

Google
5.0 (610)
Yelp
4.9 (14)

Why choose this provider?

Prime Mortgage is a financial services company based in Costa Mesa. It offers various loan options, including FHA, USDA, and VA programs, as well as jumbo loans. The company has worked with individuals seeking financing options to acquire investment or vacation properties. It also addresses the client's concerns involving the refinancing process. Frank Menjivar, its owner, has spent more than 17 years in the mortgage industry and previously held loan officer roles for firms like Mountain West Financial and loanDepot. He is fluent in Spanish.

  • Refinance

18401 Von Karman Avenue Suite 430, Irvine, CA 92612
WebsiteLicense: 1284822

Expertise.com Rating

Review Sources

Facebook
4.8 (43)
Yelp
4.5 (21)

Why choose this provider?

Pacific Financial caters to homebuyers who need to purchase loans and homeowners who want to refinance their mortgages across Costa Mesa. Its team coordinates with the clients throughout the lending process, from assessing financial risks and potential benefits to getting the funding request approved. The agency provides loan options such as jumbo, FHA, VA, ARM, FRM, and interest-only payment options. One of its senior mortgage advisors, Richard Wolfe, has more than 15 years of experience.

  • Refinance
  • New Construction

3198 Airport Loop Drive Suite F, Costa Mesa, CA 92626
WebsiteLicense: 1942

Expertise.com Rating

Review Sources

Zillow
5.0 (73)
Yelp
4.5 (59)
Google
3.0 (14)

Why choose this provider?

United American Mortgage Corporation caters to the home purchasing needs of residents in Costa Mesa. Its agents guide homebuyers throughout the home loan process, helping them calculate their buying power, acquire pre-approval or pre-qualification, choose the suitable loan program based on their circumstances, and close their mortgages. The company collaborates with more than 60 lending partners and offers loan programs at fixed and adjustable rates. The company has 20 years of experience in the brokerage and mortgage banking industry.

  • Refinance

3200 Park Center Drive, Suite 1300, Costa Mesa, CA 92626
WebsiteLicense: 239738

Expertise.com Rating

Review Sources

Google
4.4 (285)
Yelp
3.5 (148)
Zillow
4.8 (36)

Why choose this provider?

Secure One Capital Corporation is a mortgage lender that serves Costa Mesa and the surrounding areas. It specializes in government-backed financing and has been in the business for more than 25 years. Its management team has over 45 years of mortgage experience. The firm offers a variety of loan programs for homebuyers, including jumbo, government-insured, fixed-rate, conventional, and adjustable-rate mortgages. It also provides refinancing solutions, such as home equity lines of credit and conforming loans.

  • Refinance

3189 Airway Ave, Building A, Suite 107, Costa Mesa, CA 92626
WebsiteLicense: 834967

Expertise.com Rating

Review Sources

Google
5.0 (55)

Why choose this provider?

Schweickert Mortgage Group helps clients in Costa Mesa and the surrounding areas achieve their dreams of homeownership. This brokerage firm offers a variety of financing options, including VA, FHA, and USDA loans. It also furnishes lending home-purchasing programs for first-time homebuyers, seasoned investors, and those who haven't saved enough cash yet to pay for a hefty down payment. The firm's CEO, David Schweickert III, has more than 13 years of experience in the mortgage industry.

  • Refinance

18818 Teller Ave, #145, Irvine, CA 92612
WebsiteLicense: 1539616

Expertise.com Rating

Why choose this provider?

365 Home Lending responds to the home loan needs of property owners in Costa Mesa and its nearby communities. The agency assists first-time homebuyers and seasoned veterans in customizing their loan options—whether they choose short, adjustable, hybrid, long, or fixed term. It offers a variety of loan programs, such as jumbo, VA, HomeReady, FHA, and conventional. Its team of loan officers helps clients throughout the home selling and purchasing process, including scheduling a home inspection and appraisal appointment to address broken appliances and structural damage.

  • Reverse Mortgages

3545 Howard Way, Costa Mesa, CA 92626
WebsiteLicense: 189421

Expertise.com Rating

Review Sources

Google
4.3 (694)
Yelp
3.4 (147)
Facebook
4.0 (57)

Why choose this provider?

Sovereign Lending Group Incorporated is a mortgage brokerage serving Costa Mesa. The company provides a wide range of mortgage programs that can help individuals and families realize their home ownership goals. Some of its mortgage offerings include adjustable rate, fixed rate, interest only, home equity, VA, and FHA loans. The team—which serves 46 states—also enables borrowers to consolidate debt, lower their mortgages, and shorten their payment terms through mortgage refinancing. Dan Holtz and Joe Pirro founded the company in 2005 with the goal of developing a relationship with their community.

  • Refinance

17272 Newhope St, Suite J, Fountain Valley, CA 92708
WebsiteLicense: 362428

Expertise.com Rating

Review Sources

Google
5.0 (30)

Why choose this provider?

Orange County Mortgage helps individuals and families fulfill their investment goals in Costa Mesa. It provides loan programs that cover fixed-rate mortgages, adjustable-rate mortgages, FHA, VA, Jumbo, and reverse mortgages. It also helps clients get pre-qualified for home purchases, giving them customized options based on specific criteria and needs. As part of its refinancing services, it offers clients a chance to get lower interest rates or convert an adjustable-rate mortgage to a fixed-rate mortgage. The company has been assisting investors and homeowners since 1999.

  • Reverse Mortgages
  • Refinance

5 Upper Newport Plaza, Newport Beach, CA 92660
WebsiteLicense: 377740

Expertise.com Rating

Review Sources

Zillow
4.9 (231)
Google
4.9 (111)
Yelp
5.0 (48)

Why choose this provider?

Save Financial offers mortgage lending options to individuals, families, and business owners in Costa Mesa and the surrounding areas. The firm's loan programs include no income, purchase, multi-family, self-employed, and long-term loans. It also offers rehab financing, rental, fix and flip, bank statement, private money, and commercial loans. Save Financial has access to more than 20 U.S. lenders. The loan officers at the mortgage brokerage firm have a combined 25 years of experience in the industry.

  • Multi-Family Loans
  • Refinance

Compare our Top Mortgage Brokers

NameExpertise RatingAddressPromotionsLearn more
E Mortgage Capital
18071 Fitch Ste. 200, Irvine, CA 92614
Landmark Mortgage Capital
949 South Coast Drive, Suite 490, Costa Mesa, CA 92626
LoanSnap
3420 Bristol Street, Suite 600, Costa Mesa, CA 92626
Clear Mortgage Capital, Inc.
950 S Coast Drive, Suite 220, Costa Mesa, CA 92626
LoanLock
6 Hutton Centre Drive Suite 1030, Santa Ana, CA 92707
Prime Mortgage
555 Anton Blvd, Suite 150, Costa Mesa, CA 92626
Pacific Financial
18401 Von Karman Avenue Suite 430, Irvine, CA 92612
United American Mortgage Corporation
3198 Airport Loop Drive Suite F, Costa Mesa, CA 92626
Secure One Capital Corporation
3200 Park Center Drive, Suite 1300, Costa Mesa, CA 92626
Schweickert Mortgage Group
3189 Airway Ave, Building A, Suite 107, Costa Mesa, CA 92626
365 Home Lending
18818 Teller Ave, #145, Irvine, CA 92612
Sovereign Lending Group Incorporated
3545 Howard Way, Costa Mesa, CA 92626
Orange County Mortgage
17272 Newhope St, Suite J, Fountain Valley, CA 92708
Save Financial
5 Upper Newport Plaza, Newport Beach, CA 92660

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.