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2024

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Best Mortgage Brokers in San Francisco

Our Recommended Top 19

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

214Reviewed

136Curated

19Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

San Francisco, CA
WebsiteLicense: 1499621

Expertise.com Rating

Review Sources

Facebook
5.0 (21)
Google
4.2 (13)
Yelp
1.0 (1)

Why choose this provider?

Presto Home Loans handles home purchase, refinancing, and cash-out loans for clients in San Francisco and the surrounding metros. It deploys mortgage brokers to facilitate loan programs such as non-conventional, balloon, buy-down, and investor loans. Adjustable rate mortgages, FHA loans, and Section 184 loans are also available. Mortgages with fixed rates are offered for 15 or 30 years. Presto Home Loans helps secure residential loans for those with a questionable credit history or who have declared hardship.

  • FHA and VA mortgages
  • Mortgage
  • Conventional Loans
  • First time buyers
  • Mortgage Brokers
  • Mortgage Loans

San Francisco, CA

Expertise.com Rating

Why choose this provider?

Need help contacting a Mortgage Broker in San Francisco? Call our Concierge team at 848-Book-Pro (848-266-5776 from 6 am - 4 pm PT | Mon - Fri). They are standing by to help you get the service you need.

1058 Redwood Highway Frontage Road, Mill Valley, CA 94941
WebsiteLicense: 1298161

Expertise.com Rating

Review Sources

Yelp
5.0 (7)
Google
3.0 (2)

Why choose this provider?

Raymond Glover is a loan officer for Supreme Lending serving San Francisco and its surrounding areas. He has been in the mortgage industry for more than 10 years, assisting clients in exploring and navigating through the complex systems of the home-buying and refinancing business. He offers Supreme Lending loan programs such as traditional, government, loan purposes, and specialty loans. Together with his team, he assists clients throughout the entire process, from finding until securing the loan program that fits their needs.

  • New Construction
  • Refinance
  • Multi-Family Loans

1435 Huntington Avenue, South San Francisco, CA 94080
WebsiteLicense: 321656

Expertise.com Rating

Review Sources

Google
5.0 (10)
Yelp
5.0 (10)
Facebook
5.0 (6)

Why choose this provider?

Mortgage Connection is a brokerage that helps clients in San Francisco obtain residential and commercial loans. The company offers a variety of loan options for homeowners and homebuyers, including purchase, FHA, and VA home loans, as well as refinancing loans, cash-out refinancing, and reverse mortgages. It also specializes in offering conventional and government loans, commercial and mixed-use property loans, and portfolio programs for non-traditional borrowers. Mortgage broker Derek Yeung founded the company in 1998. He has been originating loans since 1991.

  • Refinance
  • Reverse Mortgages

6500 Fairmount Avenue, El Cerrito, CA 94530
WebsiteLicense: 1220177

Expertise.com Rating

Review Sources

Yelp
4.5 (27)
Google
5.0 (13)

Why choose this provider?

Chris Mason is a loan officer affiliated with America's Home Loans. He and his team are based in El Cerrito and work with clients in the local area and the surrounding communities, including San Francisco. He can assist clients through various mortgage services and products such as FHA loans, conventional loans, down payment assistance, and subsidized PMI. Chris holds a degree in Business Administration and has previously worked for other large mortgage lending companies.

  • Refinance

San Francisco, CA
WebsiteLicense: 1951574

Expertise.com Rating

Review Sources

Google
5.0 (597)
Facebook
5.0 (91)
Zillow
5.0 (73)

Why choose this provider?

Agave Home Loans assists individuals in San Francisco shop for suitable mortgage products. This independent mortgage broker helps clients navigate through the search and application process with hundreds of lenders. The company's representatives understand clients' circumstances and direct them towards suitable conventional, FHA, non-qualifying, and VA mortgage loans that fit their needs. COO Doug Wang, who has seven years of mortgage industry experience, worked for a big box lending company before he started Agave Home Loans.

  • Refinance

1000 4th Street, San Rafael, CA 94901
WebsiteLicense: 246222

Expertise.com Rating

Review Sources

Yelp
5.0 (15)
Google
4.0 (7)
Facebook
5.0 (1)

Why choose this provider?

Mary Jo Lafaye is a Mutual of Omaha Reverse Mortgage home equity retirement specialist. She serves homeowners and homebuyers in San Francisco, specializing in helping homeowners over age 60 access their housing wealth. She educates clients on loan programs based on interest rates and how they intend to spend the available funds. For over 18 years, Mary Jo has helped homeowners increase retirement cash flow and liquidity, fund home repair projects, pay for care, eliminate monthly mortgage payments, and buy their retirement dream home.

  • Reverse Mortgages

4811 Telegraph Avenue, Oakland, CA 94609
WebsiteLicense: 244388

Expertise.com Rating

Review Sources

Yelp
5.0 (22)

Why choose this provider?

Vic Joshi is a mortgage advisor and broker who serves homebuyers in San Francisco. He is knowledgeable about various loan types, from balloon and fixed rate mortgages to conventional, jumbo, and FHA loans. Furthermore, Joshi can help buyers under special circumstances, including military veterans, retirees, first-time home buyers, self-employed individuals, and clients with low credit scores. The mortgage specialist is a Bay Area native with over two decades of industry experience. He operates in California, Washington, Oregon, and Colorado.

  • Reverse Mortgages

2950 Buskirk Avenue, Walnut Creek, CA 94597
WebsiteLicense: 278063

Expertise.com Rating

Review Sources

Google
4.9 (46)
Yelp
5.0 (14)

Why choose this provider?

Jim Wilson is a principal broker at Preferred Mortgage, Inc., providing financing services to clients in San Francisco since 1999. He gives his clients personalized attention and strives to complete loan procedures promptly. He assists borrowers looking to buy a home, refinance a property, or invest in real estate. His firm specializes in conventional, non-conventional, fixed-rate, adjustable-rate, FHA, and VA loans. Jim has been featured in Diablo Magazine for receiving the Five Star Professional Awards four years in a row.

  • New Construction
  • Refinance

369 Hayes Street, San Francisco, CA 94102
WebsiteLicense: 236234

Expertise.com Rating

Review Sources

Yelp
4.0 (13)
Facebook
4.0 (4)

Why choose this provider?

RCI Financial Corp. is a mortgage broker that serves clients in San Francisco. It offers various mortgage loans and refinancing options for home buyers and homeowners, including fixed-rate mortgage loans and hybrid adjustable-rate mortgage loans. Its staff has access to mortgage sources and is committed to helping clients find mortgage solutions that suit their needs. They also provide loan updates and progress reports throughout the lending process for clients to know the status of their loans.

  • Refinance

315 Montgomery Street, San Francisco, CA 94104
WebsiteLicense: 1125207

Expertise.com Rating

Review Sources

Google
4.1 (195)
Zillow
4.0 (28)
Yelp
1.5 (7)

Why choose this provider?

Lending Home is a mortgage broker in San Francisco that specializes in bridge loans and rental loans. It serves 28 states across the country and has funded more than 32,000 projects. The firm was founded by Matt Humphrey and James Herbert in 2013. Matt is an entrepreneur who has founded six startups, including HomeRun, an e-commerce platform. James previously served as vice president for Colony Capital, and Lending Home is his third real estate start-up.

  • New Construction

600 California Street, San Francisco, CA 94108
WebsiteLicense: 1708856

Expertise.com Rating

Review Sources

Google
4.0 (284)
Zillow
5.0 (48)
Yelp
4.0 (7)

Why choose this provider?

SunnyHill Financial is a full-service mortgage broker that services the residents of the San Francisco community and the surrounding areas. Its team of professionals helps clients by connecting them to its vast network of lenders to find and select loan options that match their needs, goals, and financial status. Some of the services offered by the mortgage company include fixed-rate mortgages, nonconforming or jumbo loans, FHA and VA loans, and adjustable-rate mortgages.

  • New Construction
  • Refinance

840 Hinckley Road, Burlingame, CA 94010
WebsiteLicense: 316795

Expertise.com Rating

Review Sources

Yelp
5.0 (5)

Why choose this provider?

Founded way back in 1991, Peninsula Real Estate Investors Capital Group is a mortgage brokerage firm that services clients around San Francisco. Since its establishment and with over 35 years of industry experience, it has offered a wide array of mortgage solutions to help homebuyers finance their dream homes. Some of the services Peninsula Real Estate Investors Capital Group offers its clients are comprehensive financial analysis, real estate planning, specialized loan products for purchasing and refinancing, and loan maximization strategies.

  • New Construction
  • Refinance

3230 Scott Street, San Francisco, CA 94123
WebsiteLicense: 1783

Expertise.com Rating

Review Sources

Yelp
5.0 (32)

Why choose this provider?

First Capital Group is a San Francisco mortgage brokerage company with links to over 100 investors. It connects clients to providers of various loan programs, such as 10 to 30-year mortgage options, one to five-year ARMs, conventional loans, VA loans, FHA loans, and jumbo loans. Its advisors also help clients obtain conforming and non-conforming loans for multi-family and non-owner occupied properties, such as condominiums and apartment rentals. First Capital Group assists with refinancing options and reverse mortgage programs as well.

  • New Construction
  • Refinance

333 Gellert Boulevard, Daly City, CA 94015
WebsiteLicense: 1642367

Expertise.com Rating

Review Sources

Yelp
5.0 (32)
Google
5.0 (30)

Why choose this provider?

Golden Bay Financial is a full-service mortgage brokerage company serving the financial needs of San Francisco clients and nearby communities. The firm assists individuals, families, and real estate owners who are planning to purchase a new property through a mortgage loan. Its mortgage brokers represent several loan products from multiple lenders, particularly conventional loans and government loan programs. The team also handles conventional commercial financing for apartments and office buildings. The company's lead agent carries over two decades of experience in mortgage lending.

  • Multi-Family Loans

1400 Shattuck Avenue, Berkeley, CA 94709
WebsiteLicense: 304682

Expertise.com Rating

Review Sources

Zillow
5.0 (32)
Google
5.0 (1)

Why choose this provider?

Dianne Crosby is a branch manager at Guaranteed Rate. She offers mortgage and loan services to clients in San Francisco and the rest of the East Bay area. Dianne provides loan programs such as FHA, VA, and jumbo loans. Interest-only, fixed-rate, and adjustable-rate mortgages are also available. Dianne has been a mortgage lender for nearly two decades. She serves as the chairperson of the Guaranteed Rate Organization for Women and is a member of the Oakland Berkeley Association of Realtors.

  • Refinance

2300 Contra Costa Boulevard, Pleasant Hill, CA 94523
WebsiteLicense: 208320

Expertise.com Rating

Review Sources

Yelp
5.0 (8)
Zillow
5.0 (3)

Why choose this provider?

Tom F. Murphy, a Change Home Mortgage advisor, guides individuals in qualifying and acquiring mortgage loans in the Concord metro. He is licensed to process transactions in five different states and offers traditional and non-traditional mortgage loans. Tom and his team craft portfolio products to address every individuals' unique loan needs. They also suggest to investors, business owners, self-employed individuals, and retired people to obtain non-traditional mortgages. The company he works for has served over 250,000 borrowers since 1994.

  • Refinance

1369 El Camino Real, Millbrae, CA 94030
WebsiteLicense: 1063438

Expertise.com Rating

Review Sources

Yelp
5.0 (34)

Why choose this provider?

Carrie Huie is a mortgage specialist serving residents of San Francisco. She educates her clients who are first-time homebuyers regarding loan options that fit their financial goals. For individuals investing in real estate, paying for college, or approaching retirement, Huie helps them reevaluate their mortgage annually and explore different refinance options. She works with a team of home mortgage experts that specializes in conventional, FHA, VA, and jumbo loans which cover all property types. She has partnered with more than 40 top mortgage lenders.

  • Refinance

777 Mariners Island Boulevard, San Mateo, CA 94404
WebsiteLicense: 991397

Expertise.com Rating

Review Sources

Zillow
4.0 (193)
Google
3.0 (50)

Why choose this provider?

Reali is a company that provides mortgage brokerage services to residents of San Francisco. It assists in home buying, selling, and trade-ins and offers loans for refinancing. Believing that the system had to change, its founders, Amit Haller and Ami Avrahami, formed the company to build a new system from the ground up. It offers an app where clients can get custom paperless quotes 24/7. A call or click updates clients with up-to-date information regarding the processing of their loans.

  • New Construction
  • Refinance

Compare our Top Mortgage Brokers

NameExpertise RatingAddressPromotionsLearn more
Presto Home Loans
San Francisco, CAFree consultation
Raymond Glover
1058 Redwood Highway Frontage Road, Mill Valley, CA 94941
Mortgage Connection
1435 Huntington Avenue, South San Francisco, CA 94080
Chris Mason
6500 Fairmount Avenue, El Cerrito, CA 94530
Agave Home Loans
San Francisco, CA
Mary Jo Lafaye
1000 4th Street, San Rafael, CA 94901
Vic Joshi
4811 Telegraph Avenue, Oakland, CA 94609
Jim Wilson
2950 Buskirk Avenue, Walnut Creek, CA 94597
RCI Financial Corp
369 Hayes Street, San Francisco, CA 94102
Lending Home
315 Montgomery Street, San Francisco, CA 94104
SunnyHill Financial
600 California Street, San Francisco, CA 94108
Peninsula Real Estate Investors Capital Group
840 Hinckley Road, Burlingame, CA 94010
First Capital Group
3230 Scott Street, San Francisco, CA 94123
Golden Bay Financial
333 Gellert Boulevard, Daly City, CA 94015
Dianne Crosby
1400 Shattuck Avenue, Berkeley, CA 94709
Tom F. Murphy
2300 Contra Costa Boulevard, Pleasant Hill, CA 94523
Carrie Huie
1369 El Camino Real, Millbrae, CA 94030
Reali
777 Mariners Island Boulevard, San Mateo, CA 94404

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.