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Best Mortgage Brokers in Santa Ana, CA

Our Recommended Top 15

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

96Reviewed

63Curated

15Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

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

Expertise.com Rating

Review Sources

Facebook
4.3 (6)

Why choose this provider?

Integrity Credit Corporation is a mortgage brokerage firm that serves homeowners and small businesses in Santa Ana. It offers to compare and analyze the rates of different loan programs, including FHA and VA loans. It also provides its customers with pre-approval letters for both loan and refinancing plans. The firm's president, Andrew Ojeisekhoba, is licensed in four other states, including Texas and Georgia. He leads a team of thirteen mortgage advisors and allows clients to choose which advisor they will correspond with.

  • New Construction
  • Refinance

17195 Newhope Street, Fountain Valley, CA 92708
WebsiteLicense: 1986713

Expertise.com Rating

Review Sources

Google
5.0 (84)
Yelp
5.0 (1)

Why choose this provider?

ML Realty & Mortgage is a full-service brokerage that serves home buyers and owners in Santa Ana. Its team works with lenders in order to find suitable loan programs for clients, whether they are applying for new mortgages or refinancing existing ones. These programs include jumbo, conforming, fixed-rate, adjustable-rate, VA, and FHA loans. The home loan specialists guide clients along the process, from pre-approval to mortgage selection. ML Realty & Mortgage is also licensed to operate in Texas and Arizona.

  • Refinance
  • Purchase Transactions

17291 Irvine Boulevard, Tustin, CA 92780
WebsiteLicense: 1212805

Expertise.com Rating

Review Sources

Google
4.0 (245)
Facebook
4.7 (28)

Why choose this provider?

Equinox Home Financing helps clients in Santa Ana who are seeking assistance with home purchase and mortgage refinancing. Included in the list of its loan options are conventional mortgage, down payment assistance, jumbo loans, VA loans, private money loans, and FHA loans. It also offers special home purchase loan programs. Equinox Home Financing also provides its clients access to tools that can help them narrow their search for the right loan including refinance analysis, home value estimate, and payment calculator.

  • Refinance

505 North Tustin Avenue, Santa Ana, CA 92705
WebsiteLicense: 01451121

Expertise.com Rating

Review Sources

Google
4.0 (8)

Why choose this provider?

House Loans Mortgage is a brokerage firm that serves home buyers in the Santa Ana community. The firm guides clients throughout the home buying and loan process: from qualifying for a home loan and filing the application to finally getting approved for their desired mortgage. House Loans Mortgage's loan options include VA, conventional, and FHA loans. It also offers refinancing options and home equity cashouts. In addition, the firm provides tools and learning materials to clients to help them better understand the loan process.

  • New Construction
  • Refinance

1912 North Broadway, Santa Ana, CA 92706
WebsiteLicense: 318065

Expertise.com Rating

Review Sources

Yelp
4.5 (11)
Google
3.0 (6)

Why choose this provider?

MGM Lenders, Inc. is a firm of mortgage brokers in Santa Ana that offers home financing and mortgage options to clients in the metro. Some of its loan programs include conventional loans, FHA loans, USDA loans, VA loans, and jumbo loans. It also provides financial programs for home renovations, new home constructions, and debt consolidation. MGM Lenders also provides advisory services for first-time homebuyers, property investors, as well as current homeowners looking to refinance their current mortgage.

  • New Construction
  • Refinance

2522 Chambers Road, Tustin, CA 92780
WebsiteLicense: 1488745

Expertise.com Rating

Review Sources

Yelp
5.0 (5)

Why choose this provider?

RWB Lending is a mortgage broker company serving Santa Ana and surrounding areas with home financing services since 2016. Its founder, Alexander Zelada, is a real estate broker with two decades of industry experience. He is joined by a team of mortgage professionals with a similarly extensive professional background. They offer different loan products, such as FHA, VA, and fixed-rate or adjustable-rate mortgages. Past clients also praise them for their responsiveness and communicative approach.

  • New Construction
  • Refinance

600 Anton Boulevard, Costa Mesa, CA 92626
WebsiteLicense: 1141339

Expertise.com Rating

Review Sources

Google
5.0 (15)
Facebook
5.0 (5)

Why choose this provider?

OC Mortgage Solutions is a brokerage that serves Santa Ana and the rest of Southern California. It offers different mortgage rates and loan program options, such as VA, USDA, FHA, and jumbo loans. The company is owned and headed by Pam Nguyen, who has more than a decade of experience in the industry. For convenience, OC Mortgage Solutions also allows its clients to submit applications, secure loan applications, or pre-qualify for home loans through their website.

  • Refinance

160 Centennial Way, Tustin, CA 92780
WebsiteLicense: 270131

Expertise.com Rating

Review Sources

Yelp
5.0 (8)

Why choose this provider?

The Hugh Mobley Team is a family-owned firm that provides mortgage solutions in Santa Ana. It offers assistance to families and individuals looking to purchase a home or refinance their existing loans. Its professionals focus on facilitating the application process by utilizing automated systems with consistent turnaround times. The Hugh Mobley Team has over 49 years of experience in the industry. Its vision is to help every client find success in achieving their goals and mortgage requirements.

  • Refinance

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

Expertise.com Rating

Review Sources

Google
4.0 (214)

Why choose this provider?

LoanSnap is a mortgage brokerage that provides personalized mortgage options in Santa Ana and the surrounding areas. It carries a variety of mortgage options for borrowers, including FHA loans, VA loans, and non-conforming loans. The company also helps clients borrow home equity through HELOC, reduce monthly mortgage payments through refinancing, and purchase a home for veterans through VA loans. LoanSnap was featured in various publications, such as Forbes, Business Insider, and Bloomberg.

  • Refinance

17842 Irvine Boulevard, Tustin, CA 92780
WebsiteLicense: 334646
Website

Expertise.com Rating

Review Sources

Yelp
5.0 (7)

Why choose this provider?

Skynet Financial is a mortgage brokerage firm that serves clients in the Santa Ana area and the surrounding areas. The company's goal is to connect clients with its vast network of mortgage lenders to help them choose the most suitable loan option for their specific goals and needs. Some of the loan options being offered are fixed- and adjustable-rate mortgages, FHA loans, and VA loans. Skynet Financial is also able to help homebuyers who have low credit scores.

  • New Construction

17822 17th St. Suite 110, Tustin, CA 92780
WebsiteLicense: 1572922

Expertise.com Rating

Review Sources

Zillow
5.0 (133)
Facebook
5.0 (16)
Yelp
5.0 (14)

Why choose this provider?

United Finance is a mortgage brokerage serving clients in Santa Ana and surrounding areas. Its culturally diverse real estate and mortgage professionals team helps facilitate the refinancing and home loan process for a seamless client experience. Additionally, they are trained to search the market for the right loan options clients qualify for. The brokerage offers a wide range of loan products, including conventional, FHA, VA, and jumbo loans. It also assists clients in getting reverse mortgage loans.

  • Refinance
  • Reverse Mortgages

2702 North Flower Street, Santa Ana, CA 92706
WebsiteLicense: 1509834

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

Super Home Funding has a team of mortgage brokers offering different home loans across Santa Ana. It handles refinancing or restructuring of loans and provides other real estate services. Moreover, it helps seniors aged 62 and above with reverse mortgage options. The agency helps those who are entitled to benefits like lump sum cash, monthly payments, and lines of credit. The company also carries more than 15 years of experience in the business and works with other agencies like the Golden State Finance Authority.

  • Refinance
  • Reverse Mortgages

2510 Red Hill Avenue, Santa Ana, CA 92705
WebsiteLicense: 53112

Expertise.com Rating

Review Sources

Zillow
4.8 (67)
Yelp
4.0 (46)

Why choose this provider?

SOL Mortgage is a mortgage company serving clients in Santa Ana and the surrounding areas. The company helps its clients understand the mortgage process and various loan programs to determine the right mortgage that fits their needs. Such loan programs include conventional, jumbo, first-time homebuyers, FHA, and VA loans. It also helps clients purchasing or refinancing various properties, including owner-occupied residences, investment properties, condos, and townhomes. Furthermore, SOL Mortgage is an approved dealer of Freddie Mac, Fannie Mae, and Ginnie Mae.

  • Refinance

416 East Myrtle Street, Santa Ana, CA 92701
WebsiteLicense: 990796

Expertise.com Rating

Review Sources

Google
5.0 (7)
Facebook
5.0 (4)

Why choose this provider?

GR Financial Services is a Santa Ana team of mortgage advisors that sources and analyzes home financing and refinancing options for clients in the metro. The firm offers various home loan programs, such as conventional loans, government loans, and jumbo loans. It also provides mortgage options such as interest-only mortgages and graduated payment mortgages. GR Financial Services also offers mortgage education through online guides, mortgage calculators, and downloadable forms that can be accessed through its website.

  • New Construction

2932 Daimler Street, Santa Ana, CA 92705
WebsiteLicense: 257128

Expertise.com Rating

Review Sources

Yelp
5.0 (15)
Zillow
5.0 (12)
Google
5.0 (10)

Why choose this provider?

Jon Nalbandian is a California loan specialist who services residents of the Santa Ana area as well as its adjoining communities. As a mortgage professional of the Arbor Financial Group, he aims to help his clients secure the most suitable mortgage loans that fit their current needs, goals, and financial situations. Some of his specializations include assisting first-time homebuyers and self-employed borrowers, accommodating loan applications that were previously turned down by large banks, and helping with FHA and VA loans.

  • New Construction
  • Refinance

Compare our Top Mortgage Brokers

NameExpertise RatingAddressPromotionsLearn more
Integrity Credit Corporation
500 North State College Boulevard, Orange, CA 92868
ML Realty & Mortgage
17195 Newhope Street, Fountain Valley, CA 92708
Equinox Home Financing
17291 Irvine Boulevard, Tustin, CA 92780
House Loans Mortgage
505 North Tustin Avenue, Santa Ana, CA 92705
MGM Lenders, Inc.
1912 North Broadway, Santa Ana, CA 92706
RWB Lending
2522 Chambers Road, Tustin, CA 92780
OC Mortgage Solutions
600 Anton Boulevard, Costa Mesa, CA 92626
The Hugh Mobley Team
160 Centennial Way, Tustin, CA 92780
LoanSnap
3420 Bristol Street, Suite 600, Costa Mesa, CA 92626
Skynet Financial Co
17842 Irvine Boulevard, Tustin, CA 92780
United Finance, Inc
17822 17th St. Suite 110, Tustin, CA 92780
Super Home Funding
2702 North Flower Street, Santa Ana, CA 92706
SOL Mortgage
2510 Red Hill Avenue, Santa Ana, CA 92705
GR Financial Services
416 East Myrtle Street, Santa Ana, CA 92701
Jon Nalbandian
2932 Daimler 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.