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2024

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Best Mortgage Brokers in Orange, CA

Our Recommended Top 16

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

50Reviewed

36Curated

16Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

2140 West Chapman Avenue, Orange, CA 92868
WebsiteLicense: 280500

Expertise.com Rating

Review Sources

Google
5.0 (39)
Facebook
5.0 (7)
Yelp
5.0 (2)

Why choose this provider?

Since 1995, Mulberry Street Mortgage has been serving the home loan needs of clients in Orange and nearby cities. It has connections with various lenders and financial institutions, allowing its staff to find the right loan options for customers. The mortgage brokers help clients obtain traditional mortgage products, such as conventional, FHA, VA, and USDA loans. Additionally, Mulberry Street Mortgage offers non-qualified mortgage programs, including asset qualifier mortgages, bank statement loans, and jumbo home loans.

  • Refinance

100 Spectrum Center Drive, Irvine, CA 92618
WebsiteLicense: 118767

Expertise.com Rating

Review Sources

Zillow
5.0 (252)
Google
4.9 (198)
Yelp
4.9 (174)

Why choose this provider?

The Insight Team is a brokerage located in Orange County that has been offering mortgage products for more than 10 years. It provides assistance with FHA and VA loans, jumbo loans, investment loans, construction or renovation loans, and reverse mortgage loans. Its team guides its clients throughout the home loan process and aids them in reaching their home financing goals. The Insight Group is owned and headed by Ryan Grant, who has almost two decades of experience in the industry.

  • Refinance
  • Commercial Loans
  • Multi-Family Loans

500 North State College Boulevard, Orange, CA 92868
WebsiteLicense: 1075823

Expertise.com Rating

Review Sources

Google
5.0 (13)
Facebook
4.0 (7)

Why choose this provider?

Integrity Credit Corporation works with multiple lenders to provide a variety of residential and commercial loan options to clients in the Orange area. It provides assistance to clients looking to purchase or refinance their homes. The company offers 15-year, 20-year, and 30-year fixed mortgage loans as well as 30-year fixed FHA. Other loan products offered are VA, USDA, FHA 203K, reverse, conventional, and jumbo. Integrity Credit Corporation also offers manufactured housing loans and loans for foreign nationals.

  • Refinance
  • Reverse Mortgages
  • Purchase Transactions

1 City Boulevard West, Orange, CA 92868
WebsiteLicense: 302352

Expertise.com Rating

Review Sources

Yelp
4.0 (347)
Zillow
4.9 (203)
Google
3.0 (127)

Why choose this provider?

Interactive Mortgage is a company that provides mortgage services to residents of Orange. It believes that today’s borrower knows what they want and that they want to choose and fund quickly. Thus, it gives its clients interactive control of the loan process. Interactive Mortgage offers an online do-it-yourself process where the homeowner is in complete control. This processing system aims to give clients the freedom to choose, get rates, and upload files securely. Interactive Mortgage supports various charities including Pink Ribbon International and The Shea Center.

  • Refinance

333 City Boulevard West, Orange, CA 92868
WebsiteLicense: 244339

Expertise.com Rating

Review Sources

Yelp
4.0 (18)
Google
5.0 (1)

Why choose this provider?

Southland Home Finance is a mortgage broker firm serving homeowners ​in the Orange area. The company provides a variety of loans that will fit the needs of homeowners, including FHA, VA, and adjustable rates. It also offers 15- year and 30-year terms for fixed rate mortgages. Some of its other offerings are home refinancing programs, cash-out refinance, and down payment assistance. The company's website offers an online mortgage resource with a mortgage payment calculator. Southland Home Finance is an Equal Housing Lender and Broker.

  • Refinance

1740 W Katella Ave Ste C, Orange, CA 92867
WebsiteLicense: 839305

Expertise.com Rating

Review Sources

Facebook
5.0 (5)
Yelp
5.0 (3)
Google
5.0 (1)

Why choose this provider?

Premier Lending Group is an Orange-based mortgage brokerage company that specializes in reverse mortgage loans. It assists homeowners aged 62 and older organize loans with its HECM loan and HECM for purchase programs. The company also helps advisors to achieve an informed decision with the borrower considering the best interest of all parties involved with its detailed loan scenarios. Clients are required to have counseling sessions with a HUD-approved counseling agency. Moreover, Premier Lending Group has successfully closed conventional and government loans for 20 years.

  • Reverse Mortgages

555 W 5th St, 35th Floor, Los Angeles, CA 90013
WebsiteLicense: 250691

Expertise.com Rating

Review Sources

Yelp
5.0 (178)
Facebook
5.0 (29)

Why choose this provider?

Aragon Lending Team is an independent mortgage brokerage in Los Angeles that offers loan programs and home financing options to clients in Orange. The agency was founded by Julie Aragon, who started the business back in 2002. She leads a team of five staff in carrying out activities such as loan applications, mortgage refinancing, and non-bank mortgage lending. Some of the loan programs the agency offers include government loans (FHA and VA), as well as jumbo loans.

  • Mortgage Broker

1740 West Katella Avenue, Orange, CA 92867
WebsiteLicense: 1181829

Expertise.com Rating

Review Sources

Google
5.0 (126)
Yelp
5.0 (16)

Why choose this provider?

First Place Home Loans is a mortgage broker located in Orange. With more than 25 years of collective mortgage lending experience, its staff provides access to a range of loan programs, including VA, FHA, fixed-rate, and jumbo loans. The company offers assistance in understanding and qualifying for reverse mortgages, enabling homeowners to eliminate monthly payments. Clients receive guidance on the mortgage refinance program so they can assess whether refinancing suits their needs. First Place Home Loans aims to provide "superior customer service."

  • Reverse Mortgages

7659 Garden Grove Boulevard, Garden Grove, CA 92841
WebsiteLicense: 1689508

Expertise.com Rating

Review Sources

Google
5.0 (64)
Facebook
5.0 (3)
Yelp
5.0 (1)

Why choose this provider?

OMC Mortgage, Inc., has been providing loan products for home purchase and refinancing since 1997. It serves borrowers in Orange with different financial situations, including self-employed individuals, people with limited credit scores, veterans, and foreigners. The company helps clients secure FHA, VA, fixed-rate, and adjustable-rate mortgages. Furthermore, its staff arranges reverse mortgages, interest-only loans, and balloon mortgages. Prospective homebuyers can also complete online applications through its website. The OMC Mortgage team is dedicated to making loan processes easy for customers.

  • Refinance
  • Purchase Transactions

17461 Irvine Boulevard, Tustin, CA 92780
WebsiteLicense: 1830112

Expertise.com Rating

Review Sources

Google
4.0 (12)

Why choose this provider?

OC Home Loans and Finance helps people in the Orange area find property lenders, refinance homes, and purchase real estate. Products included are FHA, veteran, jumbo, 203K, 30-year, and 15-year loans. Its Home Affordable Refinance Program involves completing a loan qualifier, comparing mortgage rates and terms, and receiving options based on individual criteria and situation. Frank Gordon, a mortgage advisor, has been praised by a previous client for his patience and knowledge during a refinancing project.

  • Refinance
  • Reverse Mortgages
  • Purchase Transactions

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

Expertise.com Rating

Why choose this provider?

Sandra Baughman leads Mark 1 Mortgage, a mortgage brokerage that serves clients in the Orange metro. It works with a range of lenders to assist customers in finding the loan policies that meet their refinancing and mortgage needs. Its packages include home equity, conventional fixed-rate, FHA, and adjustable-rate. It also offers jumbo, construction, and VA loans. Mark 1 Mortgage is dedicated to providing suitable and reasonable mortgage options, which will help clients confidently achieve their homeownership goals.

  • Refinance
  • Purchase Transactions

3455 East La Palma Avenue, Anaheim, CA 92806
WebsiteLicense: 1109984

Expertise.com Rating

Review Sources

Yelp
5.0 (5)
Google
5.0 (2)
Facebook
5.0 (1)

Why choose this provider?

Citizens Lending Group is a mortgage broker that services residents of Orange. The company specializes in reverse mortgage loans which are designed to improve the quality of life of customers aged more than 62 years old. It is a way to save retirement money while removing monthly mortgage payments in the process. Its team of professional brokers has a combined loan experience of over 50 years. The business is owned by Jeff Krolosky, Lance Schultz, and Bill Simmons, who are well-versed in all things mortgage.

  • Reverse Mortgages

18206 Imperial Highway, Yorba Linda, CA 92886
WebsiteLicense: 913476

Expertise.com Rating

Review Sources

Google
5.0 (33)

Why choose this provider?

The Cornelius Mortgage Team is a mortgage broker business that serves the residents in Orange and the surrounding areas. It offers different loan options to first-time home purchasers, existing homeowners, refinancing homeowners, seniors needing reverse mortgages, and investment buyers. It assists clients in navigating the entire loan process by finding customized mortgage programs according to need. Mike Cornelius, branch manager through Motto Mortgage, has been in the industry since 2012 with private equity experience for five years.

  • New Construction
  • Refinance

333 South Anita Drive, Orange, CA 92868
WebsiteLicense: 195331

Expertise.com Rating

Review Sources

Google
5.0 (98)
Facebook
3.5 (49)
Yelp
4.0 (11)

Why choose this provider?

Churchill Mortgage is a brokerage that serves clients in Orange. The company offers various loan programs for homebuyers and homeowners that include conventional, FHA, VA, USDA, jumbo, and no score loans. It also uses a homeownership strategy plan and is committed to providing transparency throughout the home buying process. Churchill Mortgage looks out for opportunities for its clients by monitoring home values in the area. It has assisted around 100,000 customers since its establishment in 1992.

  • Refinance

7545 Irvine Center Drive, Irvine, CA 92618
WebsiteLicense: 1856913

Expertise.com Rating

Review Sources

Google
5.0 (60)
Yelp
5.0 (57)
Facebook
5.0 (1)

Why choose this provider?

Trustlink Mortgage is a mortgage broker that offers loan options to clients in Orange and nearby locations. The firm has overseen thousands of loan closings of more than $3 billion in volume. Its mortgage professionals educate clients about mortgage lending and house buying, allowing them to make better decisions regarding the overall process. Trustlink Mortgage's loan options include fixed, ARM, conventional, FHA, VA, jumbo, home equity line, and USDA loans. The firm also offers down payment assistance and reverse mortgages.

  • Refinance
  • Commercial Loans
  • Multi-Family Loans

625 The City Drive South, Orange, CA 92868
WebsiteLicense: 1387935

Expertise.com Rating

Review Sources

Zillow
5.0 (183)
Yelp
3.0 (31)
Google
4.0 (29)

Why choose this provider?

Sharp Loan is a mortgage broker addressing the financial needs of Orange residents. The company works with various lenders to obtain the best possible rates for available loan options, such as VA, jumbo, conventional, USDA, and FHA loans. Its loan officers help clients navigate the home purchase process and match their financial goals with appropriate loan programs. They also provide guidance on the mortgage refinancing program. Sharp Loan is committed to "creating financial success" for its customers. The company also caters to Spanish-speaking clients.

  • Refinance

Compare our Top Mortgage Brokers

NameExpertise RatingAddressPromotionsLearn more
Mulberry Street Mortgage
2140 West Chapman Avenue, Orange, CA 92868
The Insight Team
100 Spectrum Center Drive, Irvine, CA 92618
Integrity Credit Corporation
500 North State College Boulevard, Orange, CA 92868
Interactive Mortgage
1 City Boulevard West, Orange, CA 92868
Southland Home Finance
333 City Boulevard West, Orange, CA 92868
Premier Lending Group
1740 W Katella Ave Ste C, Orange, CA 92867
Aragon Lending Team
555 W 5th St, 35th Floor, Los Angeles, CA 90013
First Place Home Loans
1740 West Katella Avenue, Orange, CA 92867
OMC Mortgage, Inc.
7659 Garden Grove Boulevard, Garden Grove, CA 92841
OC Home Loans and Finance
17461 Irvine Boulevard, Tustin, CA 92780
Sandra Baughman
1342 East Chapman Avenue, Orange, CA 92866
Citizens Lending Group
3455 East La Palma Avenue, Anaheim, CA 92806
The Cornelius Mortgage Team
18206 Imperial Highway, Yorba Linda, CA 92886
Churchill Mortgage - Orange, CA
333 South Anita Drive, Orange, CA 92868
Trustlink Mortgage
7545 Irvine Center Drive, Irvine, CA 92618
Sharp Loan
625 The City Drive South, Orange, CA 92868

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.