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2024

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

37Reviewed

27Curated

14Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

9891 Irvine Center Dr., Ste. 200, Irvine, CA 92618
WebsiteLicense: 1636298

Expertise.com Rating

Review Sources

Google
5.0 (65)
Yelp
5.0 (20)
Facebook
5.0 (16)

Why choose this provider?

Oso Creek Mortgage serves individuals and families in Mission Viejo and the surrounding areas. The company caters to clients wanting to apply for fixed- and adjustable-rate mortgage programs to help fit their current and future financial needs. It also guides clients in choosing loan options, including FHA, VA, jumbo, and USDA, for their home purchasing and mortgage refinancing matters. One of the company's mortgage brokers, Mark Stillman, has been in the mortgage industry since 2003.

  • Refinance
  • New Construction

6272 Falling Water, Huntington Beach, CA 92647
WebsiteLicense: 344234

Expertise.com Rating

Review Sources

Google
5.0 (34)

Why choose this provider?

Sheridan Mortgage is a full-service brokerage company specializing in purchasing loans for locals in Mission Viejo. It offers low down payment lending choices, such as VA for military veterans, USDA for buyers in suburban and rural communities, and FHA for buying a condo or single-family house. Its mortgage loan programs for investment and vacation houses include 15-year and 30-year terms. Sheridan Mortgage was founded by Douglas Sheridan, who has more than 25 years of expertise in the mortgage business.

  • Refinance
  • New Construction

111 Corporate Dr., St. 170, Rancho Mission Viejo, CA 92694
WebsiteLicense: 968831

Expertise.com Rating

Review Sources

Google
5.0 (50)
Facebook
5.0 (3)

Why choose this provider?

Franklin Direct provides mortgage solutions to help Mission Viejo residents afford their dream homes. It offers refinancing options for borrowers seeking to lower interest rates and monthly payments, shorten the terms, or cash out from their homes’ equity. The mortgage advisors assist homebuyers in choosing programs that fit their financial goals, needs, and unique criteria and scenarios, such as ARM, conforming, FHA, jumbo, USDA, and VA loans. The company is affiliated with mortgage banker Franklin Loan Center.

  • Refinance

25910 Acero Road Suite #150, Mission Viejo, CA 92691
WebsiteLicense: 1713171

Expertise.com Rating

Review Sources

Google
5.0 (47)
Yelp
5.0 (18)

Why choose this provider?

The Card Team handles the mortgage needs of home buyers and owners in Mission Viejo and the nearby cities. It guides individuals throughout the home purchasing loan applications by helping them order appraisals, review loan options, and submit documents. It also offers mortgage refinancing services. Karen Card, the company's senior loan officer, has been handling mortgage matters for over 25 years. Before focusing on home loans, she managed income property finance with The Travelers, Pacific Life, and The Irvin Company.

  • Refinance
  • New Construction

28181 Tinajo, Mission Viejo, CA 92692
WebsiteLicense: 76988

Expertise.com Rating

Review Sources

Google
5.0 (46)

Why choose this provider?

Integrated Lending Group delivers various mortgage services to house buyers in Mission Viejo. It has refinancing solutions that swap out current debts for less burdensome alternatives. The crew offers reverse mortgages to the aging members of the community, and it has adjustable and fixed-rate options fit for the general public. Its clientele includes purchasers looking for their first home and military personnel who are qualified under Veterans Affairs. Integrated Lending Group was founded in 2003.

  • Refinance

20 Enterprise, Suite 350, Aliso Viejo, CA 92656
WebsiteLicense: 1924815

Expertise.com Rating

Review Sources

Google
4.6 (45)

Why choose this provider?

ClearEdge Lending is a locally owned and operated mortgage company that has been serving Mission Viejo and the surrounding areas since 2015. It assists clients who wish to purchase a primary residence, second home, or investment property. It also offers loan products for high-net-worth, self-employed, and borrowers recovering from recent credit setbacks. In addition, the company provides different types of jumbo loans. The leadership team of ClearEdge Lending has an average of 25 years of single-family lending experience.

  • New Construction

23120 Alicia Pkwy Suite 100, Mission Viejo, CA 92692
WebsiteLicense: 1266311

Expertise.com Rating

Review Sources

Zillow
5.0 (40)
Google
5.0 (34)
Facebook
5.0 (7)

Why choose this provider?

Damien L. Grant Lending Team handles the needs of first-time home buyers and owners across the Mission Viejo area. The team provides customers with mortgage loans, which include conventional, FHA, VA, and refinance loans. Its mortgage professionals also have experience with non-qualified mortgages and loans for self-employed individuals. It maintains operations in three states and has more than 13 years of experience in the mortgage industry. Its senior loan officer, Damien L. Grant, has been working in the real estate industry since 2007.

  • Refinance
  • New Construction

2082 Michelson Dr, 121, Irvine, CA 92612
WebsiteLicense: 1975611

Expertise.com Rating

Review Sources

Zillow
5.0 (59)
Yelp
5.0 (51)

Why choose this provider?

Equify caters to clients throughout Mission Viejo. It sets up fixed-rate and adjustable-rate mortgages. It offers loans for individuals seeking to acquire different types of properties, including single-family homes, condos, and townhouses. The company also guides homeowners with the process of refinancing their mortgages. It has experience modifying loan terms of properties held in trusts. Equify maintains a blog to educate individuals on a variety of topics, ranging from credit score improvement tips to second home financing management.

  • Refinance

999 Corporate Drive, Suite 100, Rancho Mission Viejo, CA 92694
WebsiteLicense: 1549739

Expertise.com Rating

Review Sources

Google
5.0 (40)
Facebook
5.0 (14)

Why choose this provider?

The Mortgage Advisory provides home purchase loans and refinancing solutions to customers in the Mission Viejo area. It offers a variety of home purchase loans, including FHA, VA, jumbo, USDA, and reverse, with adjustable and 15-year and 30-year fixed mortgage rates. The agency also assists with cash-out, and rate-and-term refinance. In addition, its team evaluates properties and assists in comparing rates. Ace Ausar, who has over 20 years of experience in the industry, leads The Mortgage Advisory.

  • Refinance

27201 Puerta Real, Suite 300, Mission Viejo, CA 92691
WebsiteLicense: 1427790

Expertise.com Rating

Review Sources

Zillow
5.0 (27)

Why choose this provider?

Quantus Realty Solutions is a mortgage brokerage firm serving Mission Viejo. It enables people to afford their dream homes with its extensive selection of home purchase and refinance loans. The team determines the right home loan for their clients based on their debt-to-income ratio, credit score, and down payment source. Some of its home loan offerings include FRM, ARM, interest-only, balloon, reverse, and government-sponsored loans. The group works to provide a seamless homebuying experience by helping borrowers overcome challenges throughout the mortgage process.

  • Refinance

27281 Las Ramblas Suite 200, Mission Viejo, CA 92691
WebsiteLicense: 1238825

Expertise.com Rating

Review Sources

Google
5.0 (75)
Yelp
5.0 (1)

Why choose this provider?

American Veteran Mortgage is a team of loan consultants serving residents in and around the Mission Viejo metro. They cater to different clients, including veterans, first-time homebuyers, and seasoned investors. To meet their unique needs, the company offers a variety of home financing solutions, including USDA loans, which suit clients planning to purchase residential real estate in rural locations. It also helps clients apply for conventional, jumbo, and FHA loans. In addition, VA loans, which come in adjustable- and fixed-rate options, are available.

  • New Construction
  • Refinance

Liberty, Aliso Viejo, CA 92656
WebsiteLicense: 1904291

Expertise.com Rating

Review Sources

Google
5.0 (161)

Why choose this provider?

Generation Lending serves home buyers and homeowners in Mission Viejo and nearby locations. The products it offers include non-qualified mortgages, which cater to individuals with bad credit or those who recently filed for bankruptcy. The firm also helps obtain conventional fixed-rate loans and reverse mortgages for individuals 55 and older. In addition, it caters to clients' refinancing needs through HELOC loans. Generation Lending was established in 2019 by Kevin Brown, who started working in the industry in 2006.

  • Refinance

27081 Aliso Creek Rd, Aliso Viejo, CA 92656
WebsiteLicense: 1895842

Expertise.com Rating

Review Sources

Google
4.8 (144)
Zillow
4.9 (45)
Yelp
4.5 (39)

Why choose this provider?

America’s Moneyline is a mortgage lending company that serves clients in Mission Viejo and the surrounding areas. It offers home loan programs for those looking to purchase or refinance real estate, creating a customized option based on the goals and specific criteria of each client. It provides conforming and non-conforming conventional loan options and government-backed loans, such as VA and FHA. America’s Moneyline CEO Shawn John Nevin has over two decades of mortgage lending experience.

  • New Construction

26381 Crown Valley Parkway, Mission Viejo, CA 92691
WebsiteLicense: 1533336

Expertise.com Rating

Review Sources

Google
5.0 (158)
Yelp
5.0 (130)
Facebook
5.0 (94)

Why choose this provider?

California Coastal Loans is a mortgage broker in Mission Viejo that was founded in 1999. Its purchase and refinancing loan programs include adjustable-rate and fixed-rate mortgages, jumbo, FHA, and VA. To assist clients to have an honest, well-communicated, and informed mortgage lending experience, the company relies on transparency. As part of its commitment to give back to the community, California Coastal Loans, headed by broker-owner Dino Katsiametis, partners with various charities including NEGU-Jessie Rees Foundation, Children's Hunger Fund, and CarePossible.

  • Refinance

Compare our Top Mortgage Brokers

NameExpertise RatingAddressPromotionsLearn more
Oso Creek Mortgage
9891 Irvine Center Dr., Ste. 200, Irvine, CA 92618
Sheridan Mortgage
6272 Falling Water, Huntington Beach, CA 92647
Franklin Direct
111 Corporate Dr., St. 170, Rancho Mission Viejo, CA 92694
The Card Team
25910 Acero Road Suite #150, Mission Viejo, CA 92691
Integrated Lending Group
28181 Tinajo, Mission Viejo, CA 92692
ClearEdge Lending
20 Enterprise, Suite 350, Aliso Viejo, CA 92656
Damien L. Grant Lending Team
23120 Alicia Pkwy Suite 100, Mission Viejo, CA 92692
Equify
2082 Michelson Dr, 121, Irvine, CA 92612
The Mortgage Advisory
999 Corporate Drive, Suite 100, Rancho Mission Viejo, CA 92694
Quantus Realty Solutions
27201 Puerta Real, Suite 300, Mission Viejo, CA 92691
American Veteran Mortgage
27281 Las Ramblas Suite 200, Mission Viejo, CA 92691
Generation Lending
Liberty, Aliso Viejo, CA 92656
America’s Moneyline
27081 Aliso Creek Rd, Aliso Viejo, CA 92656
California Coastal Loans
26381 Crown Valley Parkway, Mission Viejo, CA 92691

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.