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Best Mortgage Brokers in Garden Grove, CA

Our Recommended Top 18

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

60Reviewed

43Curated

18Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

10073 Valley View Street, Cypress, CA 90630
WebsiteLicense: 292142

Expertise.com Rating

Review Sources

Yelp
5.0 (8)
Facebook
5.0 (5)

Why choose this provider?

Kinetic Mortgage is a brokerage that has been providing services to Garden Grove since 2002. It offers several loans program options for clients who want to purchase a home. These include jumbo, VA, FHA, USDA, fixed-rate, and adjustable-rate mortgages. Its team of brokers also helps in property evaluation, cash-out refinance, rate comparisons, and refinance rates. Its CEO, Shirley Bradley, serves for Cypress Chamber of Commerce and has over 35 years of experience in the mortgage industry.

  • New Construction
  • Refinance

2140 West Chapman Avenue, Orange, CA 92868
WebsiteLicense: 5095

Expertise.com Rating

Review Sources

Google
5.0 (29)
Facebook
5.0 (5)

Why choose this provider?

Established in 1995 by Pat McCaslin, Mulberry Street Mortgage is a mortgage brokerage firm serving clients throughout Garden Grove. It assists clients with their home buying, refinancing, and credit boost needs. The company works with a wide range of lenders and financial institutions to provide its customers with the loan program that's right for them. Its loan options include FHA, conventional, VA, USDA, jumbo, and bank statement loans. Mulberry Street Mortgage carries more than 30 years of mortgage origination experience.

  • Refinance

12900 Garden Grove Boulevard, Garden Grove, CA 92843
WebsiteLicense: 1897248

Expertise.com Rating

Review Sources

Google
4.0 (70)

Why choose this provider?

Just Funded Mortgage is a mortgage broker that caters to individuals in the Garden Grove area. It helps clients who are interested in purchasing or refinancing properties. It offers a vast selection of conventional mortgage, USDA mortgage, and VA loan products. Just Funded Mortgage is committed to educating its customers through clear and thorough communication. It utilizes its extensive experience along with flexible options to help people and their families make informed decisions.

  • New Construction

7755 Center Avenue, Huntington Beach, CA 92647
WebsiteLicense: 340300

Expertise.com Rating

Review Sources

Google
5.0 (12)
Facebook
5.0 (3)
Yelp
5.0 (2)

Why choose this provider?

Ameristar Capital Mortgage is a company servicing Garden Grove. It works with multiple lenders to assist clients who are purchasing a new home or refinancing throughout the home loan process. Its team of loan consultants specializes in residential mortgages and loan types, such as fixed-rate, adjustable-rate, FHA, and VA loans. The company has a variety of calculators that clients can utilize for monthly or bi-weekly mortgage payments, amortization, and refinance. They also conduct consultations to help clients determine the type of mortgage they need.

  • Refinance
  • Purchase Transactions

14351 Euclid Street, Garden Grove, CA 92843
WebsiteLicense: 328350

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Dynamic Mortgage Financial Corporation is a mortgage broker in Garden Grove offering a variety of mortgage options to clients seeking to buy a house or property. The agency is offering interested customers four kinds of loans that can meet their financial concerns, namely fixed-rate, adjustable-rate, high balance, and jumbo loans. Clients of Dynamic Mortgage Financial Corporation will have to provide necessary documents during the purchase, mortgage pre-approval, and refinance processes so that their mortgage will be accepted.

  • Refinance

2019 West Chapman Avenue, Orange, CA 92868
WebsiteLicense: 13999

Expertise.com Rating

Review Sources

Google
4.0 (240)
Facebook
4.5 (20)

Why choose this provider?

All Reverse Mortgage, Inc., is a lender approved by the FHA that serves clients in Garden Grove. It specializes in offering various types of reverse mortgage loan options, such as HECM, jumbo, and purchase reverse loans. The lender is also a member of the National Reverse Mortgage Lenders Association. All Reverse Mortgage has 17 years of experience in the mortgage industry. U.S. Army veteran and chief financial officer Caren Dahmun owns and operates the company.

  • Reverse Mortgages

1342 East Chapman Avenue, Orange, CA 92866
WebsiteLicense: 317576

Expertise.com Rating

Review Sources

Google
5.0 (9)
Yelp
5.0 (3)

Why choose this provider?

Sandra Baughman is a mortgage broker who serves clients in Garden Grove. She helps clients who want to buy or refinance a residential property with the right loan options based on their needs. Some of the mortgage loan options she offers include VA, USDA, FHA, reverse mortgage, and conventional loans. Baughman has been working in the industry for more than 20 years now. She has partnered with companies like Insurance Associates and Present Financial Partners.

  • Refinance

8942 Garden Grove Boulevard, Garden Grove, CA 92844
WebsiteLicense: 1630046
Website

Expertise.com Rating

Review Sources

Google
5.0 (1)
Yelp
5.0 (1)

Why choose this provider?

America Smart Home has been attending to the mortgage loan needs of Garden Grove. Since 2012, the company has been offering financial solutions to residential clients. Some of its products include cash-out refinance, FHA VA streamlines refinance, reverse mortgages, and refinance analysis. These programs will help reduce interest rates, consolidate debt, shorten the loan's term, and lower monthly payments. It even has an online calculator to check on the principal, interest, property tax, and HOA fees.

  • Refinance

333 City Boulevard West, Orange, CA 92868
WebsiteLicense: 571097

Expertise.com Rating

Review Sources

Google
5.0 (5)
Yelp
1.0 (1)

Why choose this provider?

Since 2011, Taurus Mortgage Corporation helps individuals in Garden Grove with their mortgage needs. Its team members specialize in government loan programs, including USDA that is suitable for clients who want to purchase a property in a rural area with no required down payment. It also provides FHA to help borrowers pay their loans to the lenders and VA for veterans and their surviving spouses who seek funds to buy a home. Additionally, Taurus Mortgage Corporation handles debt consolidation, low down payments, and refinancing services.

  • Refinance

333 City Boulevard West, Orange, CA 92868
WebsiteLicense: 1202904

Expertise.com Rating

Review Sources

Google
4.0 (7)
Facebook
5.0 (2)

Why choose this provider?

Banc One Mortgage provides the mortgage lending needs of clients in the Garden Grove area who are looking to purchase a home or invest in real estate. The company offers conventional loans with 10- to 30-year terms, FHA, VA, and jumbo loans. Adjustable-rate mortgages are also available. Its loan officers can assist with non-qualified mortgage loans, which allow clients to use alternative methods to qualify. Banc One Mortgage has resources to educate clients about Fannie Mae, Freddie Mac, and FHA loans.

  • Refinance

12437 Lewis Street, Garden Grove, CA 92840
WebsiteLicense: 01521541

Expertise.com Rating

Review Sources

Yelp
5.0 (12)

Why choose this provider?

Nestegg is a real estate and mortgage brokerage serving Garden Grove and the neighboring communities. It offers real estate financing solutions for first-time homebuyers and individuals looking for refinancing loans. Its team aims to provide its clients with smooth mortgage transactions by providing consistent communication and customer service. In addition, Nestegg provides real estate sales in-house services. The company assists investors to navigate through the competitive and complex real estate market and maximize their net returns.

  • New Construction

5882 Bolsa Avenue, Huntington Beach, CA 92649
WebsiteLicense: 943733

Expertise.com Rating

Review Sources

Facebook
5.0 (45)
Google
5.0 (32)

Why choose this provider?

The Mortgage Hub is a local and independent mortgage company that serves the residents of Garden Grove and the surrounding areas. It offers a wide variety of fixed-rate mortgages, such as 30-year fixed-rate mortgages, 15-year fixed-rate mortgages, and flex-term fixed-rate mortgages. Its team assists clients in taking out FHA loans, VA loans, and jumbo loans. Co-founder and CFO Phil Checinski has been working in the mortgage industry for more than a decade. The Mortgage Hub was originally founded as Personal Real Estate Services in 2009.

  • Refinance
  • Purchase Transactions

17151 Newhope Street, Fountain Valley, CA 92708
WebsiteLicense: 1203655

Expertise.com Rating

Review Sources

Google
5.0 (12)

Why choose this provider?

GD Lending is a full-service lending company serving individuals and families in Garden Grove and surrounding areas. Specializing in home loans, the company caters to both first-time home buyers and those looking to refinance an existing mortgage. The loan programs offered by GD Lending range from Conventional Loans, Jumbo Loans, and FHA Loans to Fixed Rate Mortgages with 10 to 30 years terms. Unique programs like HARP, Foreclosure Bailout Loans, and No Doc Loans are also available.

  • Refinance
  • Purchase Transactions

939 East Santa Ana Boulevard, Santa Ana, CA 92701
WebsiteLicense: 393535

Expertise.com Rating

Review Sources

Google
4.0 (1059)
Zillow
5.0 (295)
Facebook
4.0 (128)

Why choose this provider?

E Mortgage Capital is a full-service mortgage company providing personalized solutions for clients in Garden Grove. The CEO, Joseph Shalaby, is a principal broker with more than 20 years of industry experience. He is joined by a team of mortgage professionals and support staff. They have the expertise to assist clients in selecting the refinance product or loan program that suits their financial scenario. The loan options include jumbo, USDA, VA, HARP, and FHA 203K loans.

  • Refinance

3662 Katella Avenue, Los Alamitos, CA 90720
WebsiteLicense: 330244

Expertise.com Rating

Review Sources

Facebook
5.0 (3)

Why choose this provider?

Loan Logic Financial Services is a mortgage broker that caters to individuals in the Garden Grove area. The company helps customers with relocation, conforming, buying properties for the first time, and acquiring second homes. Sal Shandra, a partner and senior loan officer, has been in the industry since 1978. He has extensive connections with lenders and title insurers. In addition, he is committed to forming lasting bonds with clients by providing them with crucial information throughout the entire process.

  • Refinance
  • Multi-Family Loans

12465 Lewis Street, Garden Grove, CA 92840
WebsiteLicense: 1776228

Expertise.com Rating

Review Sources

Yelp
5.0 (10)
Google
5.0 (1)

Why choose this provider?

Able Financial Corp is a brokerage company serving the people of Garden Grove. It works with over 100 investors to assist clients with their financial needs, whether they are buying, selling, refinancing, or building a home. Its team of professionals helps clients choose from different types of loan programs, including adjustable-rate mortgage, conventional, jumbo, home equity lines, and VA. The company's website features advanced tools such as secure mobile uploading, borrower login, and loan officer portal.

  • Refinance

17011 Beach Boulevard, Huntington Beach, CA 92647
WebsiteLicense: 241680

Expertise.com Rating

Review Sources

Google
5.0 (11)
Yelp
3.0 (2)

Why choose this provider?

Morningstar Mortgage is a mortgage company that serves the Garden Grove metro and the surrounding areas. Its Certified Mortgage Planning Specialist (CMPS) personally reviews customers' applications and specializes in Reverse Mortgage for seniors. The company provides different loan options from both government-insured and private sources to its customers. It also provides assistance in refinancing, loans, and rate lock advice. Its president, Bill Gaffney, started his career in real estate in 1987, handling various positions from sales to operations training. He established Morningstar Mortgage in 1994.

  • Refinance
  • Reverse Mortgages

2700 North Main Street, Santa Ana, CA 92705
WebsiteLicense: 1828474

Expertise.com Rating

Review Sources

Google
4.0 (35)
Facebook
5.0 (3)

Why choose this provider?

Fast Action Mortgage is a mortgage broker that serves the residents of Garden Grove and the surrounding areas. It offers a wide variety of home purchase loan programs, such as conventional loans, FHA loans, VA loans, reverse mortgage loans, and jumbo loans. It also provides hard money loans and down payment assistance. In addition, it offers specialized loan programs for first-time homebuyers and foreign nationals. Fast Action Mortgage also provides refinancing programs for homeowners with existing mortgages.

  • New Construction
  • Refinance

Compare our Top Mortgage Brokers

NameExpertise RatingAddressPromotionsLearn more
Kinetic Mortgage
10073 Valley View Street, Cypress, CA 90630
Mulberry Street Mortgage
2140 West Chapman Avenue, Orange, CA 92868
Just Funded Mortgage
12900 Garden Grove Boulevard, Garden Grove, CA 92843
Ameristar Capital Mortgage
7755 Center Avenue, Huntington Beach, CA 92647
Dynamic Mortgage Financial Corporation
14351 Euclid Street, Garden Grove, CA 92843
All Reverse Mortgage, Inc.
2019 West Chapman Avenue, Orange, CA 92868
Sandra Baughman
1342 East Chapman Avenue, Orange, CA 92866
America Smart Home
8942 Garden Grove Boulevard, Garden Grove, CA 92844
Taurus Mortgage Corporation
333 City Boulevard West, Orange, CA 92868
Banc One Mortgage
333 City Boulevard West, Orange, CA 92868
Nestegg
12437 Lewis Street, Garden Grove, CA 92840
The Mortgage Hub
5882 Bolsa Avenue, Huntington Beach, CA 92649
GD Lending
17151 Newhope Street, Fountain Valley, CA 92708
E Mortgage Capital
939 East Santa Ana Boulevard, Santa Ana, CA 92701
Loan Logic Financial Services
3662 Katella Avenue, Los Alamitos, CA 90720
Able Financial Corp
12465 Lewis Street, Garden Grove, CA 92840
Morningstar Mortgage
17011 Beach Boulevard, Huntington Beach, CA 92647
Fast Action Mortgage
2700 North Main Street, Santa Ana, CA 92705

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.