Expertise.com Homepage

2024

Last updated:

Best Mortgage Brokers in Santa Rosa, CA

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

56Reviewed

41Curated

19Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

5959 Commerce Boulevard, Rohnert Park, CA 94928
WebsiteLicense: 248531

Expertise.com Rating

Review Sources

Yelp
4.0 (9)
Facebook
5.0 (1)

Why choose this provider?

HPI Financial is a mortgage company creating tailored financial solutions for Santa Rosa residents. It offers a wide array of services like conventional loans, reverse mortgages, home refinancing, home purchasing, and debt consolidation. In 2007, Quentin Hyde started the business with Jeff Phillips to provide FHA lending to potential homebuyers and homeowners to help them reach their homeownership goals. Its team of brokers is willing to listen to clients' needs, objectives, and situations to find the right loan program for them.

  • Reverse Mortgages

800 Mendocino Avenue, Santa Rosa, CA 95401
WebsiteLicense: 360993

Expertise.com Rating

Review Sources

Google
5.0 (34)
Yelp
4.0 (12)
Facebook
4.0 (7)

Why choose this provider?

Sun Pacific Mortgage & Real Estate is a Santa Rosa brokerage firm that has been offering mortgage services and real estate financing services to clients in the area since 1988. The locally owned independent firm works with different loan originators and offers a diverse set of options for clients in financing their new homes or refinancing their current mortgage. Some of its loan programs include jumbo loans, temporary loans, investment property loans, owner-occupied home loans, and commercial loans.

  • Home Loans

131A Stony Circle, Santa Rosa, CA 95401
WebsiteLicense: 312312

Expertise.com Rating

Review Sources

Yelp
5.0 (34)
Google
4.8 (19)
Facebook
5.0 (2)

Why choose this provider?

America's Home Loans is a Santa Rosa-based mortgage brokerage that works with an extensive network of lenders. The firm's goal is to connect homebuyers with lenders who can provide the most suitable loan programs for their specific needs, goals, and financial backgrounds. Some of the programs the firm offers are VA, FHA, and USDA loans. America's Home Loans also assists clients who are looking into refinancing, whether to get a cashout, restructure their existing mortgages, or negotiate for better deals.

  • Mortgage Broker
  • FHA and VA mortgages
  • Refinance

645 4th Street, Santa Rosa, CA 95404
WebsiteLicense: 310024

Expertise.com Rating

Review Sources

Facebook
5.0 (4)
Yelp
5.0 (1)

Why choose this provider?

Premier Lending & Real Estate is a mortgage firm that serves clients in Santa Rosa. Working with lenders, the company offers various loan programs for homebuyers and homeowners, including conforming, jumbo, FHA, VA, and USDA home loans. Clients can avail themselves of the services of broker and Realtor Patrick J. Ward, who has more than 30 years of experience in the real estate industry. He has been living in Sonoma County for more than 45 years.

  • New Construction
  • Refinance

1421 Guerneville Road, Santa Rosa, CA 95403
WebsiteLicense: 1595076

Expertise.com Rating

Review Sources

Google
5.0 (97)
Yelp
5.0 (71)
Facebook
5.0 (59)

Why choose this provider?

GTG Financial, Inc., is a mortgage broker that offers lending solutions to prospective borrowers in Santa Rosa. The business helps its clients in obtaining various home purchase and refinance loan types, including VA, FHA 203K, and HARP loans. It also helps senior citizens in applying for reverse mortgages. GTG Financial has been providing intermediary services since its establishment in 2017. Its president and CEO, Glenn Groves, has been working in the mortgage consultation field for over 10 years.

  • Refinance

Windsor, CA 95492
WebsiteLicense: 238678

Expertise.com Rating

Review Sources

Google
5.0 (31)
Facebook
5.0 (2)
Yelp
5.0 (1)

Why choose this provider?

The Grace Busby Lending Team has been helping homeowners in Santa Rosa find suitable financial solutions since 2002. With over 17 years of mortgage industry experience, Grace leads her team in offering mortgage refinancing and home purchase loans and provides access to various loan programs, such as FHA and VA loans. These loans cover single-family residences, condominiums, and four-unit properties. She also helps find deals that match borrowers' financial capacity and long-term goals. Grace caters to Spanish-speaking clients.

  • Refinance

2425 Cleveland Avenue, Santa Rosa, CA 95403
WebsiteLicense: 1253874

Expertise.com Rating

Review Sources

Yelp
5.0 (8)
Facebook
5.0 (6)

Why choose this provider?

Omega Mortgage Group is a Santa Rosa-based firm that provides residents of the area with sound financial solutions. Established in 2005, the firm has since offered a wide array of mortgage services to help clients look for and select the most appropriate loan option for their specific needs, goals, and financial status. Some of the offered services are 15- and 30- year fixed loans, ARM loans, FHA and VA loans, jumbo loans, and USDA loans.

  • Refinance

3033 Cleveland Avenue, Santa Rosa, CA 95403
WebsiteLicense: 248216

Expertise.com Rating

Review Sources

Google
5.0 (1)
Facebook
5.0 (1)

Why choose this provider?

Alliance Reverse Mortgage is an independent mortgage broker that serves clients in the Santa Rosa metro. This company specializes in reverse mortgages, which can be used for a downpayment on a home, house renovations, living and medical expenses, keeping the line of credit, and paying off a traditional mortgage. This firm conducts its services by following a process that includes setting an appointment, counseling, completing an application, and signing loan documents. Alliance Reverse Mortgage is a member of the National Reverse Mortgage Lenders Association.

  • Reverse Mortgages

645 4th Street, Santa Rosa, CA 95404
WebsiteLicense: 315463

Expertise.com Rating

Review Sources

Yelp
5.0 (1)

Why choose this provider?

Seliga Financial is a mortgage brokerage servicing Santa Rosa since 1989. It addresses the lending needs of homeowners, real estate professionals, and builders through a wide range of loan products that are categorized as fixed-rate mortgage types and specialty mortgage loans. The company specializes in residential purchase and refinance, including FHA, HARP, USDA, VA, and private money lending. In addition, Seliga Financial handles commercial, mixed-use, and apartment lending. Owner Deke Seliga also offers mortgage checkups to existing and new clients.

  • Reverse Mortgages

411 Farmers Lane, Santa Rosa, CA 95405
WebsiteLicense: 366299

Expertise.com Rating

Review Sources

Yelp
5.0 (1)

Why choose this provider?

A-1 Loans & Investments is a mortgage business that specializes in private money loans and real estate financing. Serving borrowers in Santa Rosa, it offers brokerage services for short-term improvement, investment property, and commercial loans. A-1 Loans & Investments is likewise a member of the California Mortgage Association. The business is led by the mother-daughter duo Sherry Shaw and Brittany Benson. Sherry has been serving the real estate market since 1979. Her daughter, Brittany, became a real estate broker in 2011.

  • Refinance

775 Baywood Dr, Ste 111, Petaluma, CA 94954
WebsiteLicense: 1850

Expertise.com Rating

Review Sources

Yelp
5.0 (12)
Facebook
5.0 (9)

Why choose this provider?

Petaluma Home Loans is a local mortgage broker that serves clients in Santa Rosa. It is committed to helping home buyers understand the various mortgage loan options available to them, such as conventional loans, jumbo loans, FHA loans, and VA loans. Clients are guided through the process of selecting the mortgage loans that suit their needs by an online application process supported by loan officers. Petaluma Home Loans has more than 20 years of experience in the lending industry.

  • Reverse Mortgages

1425 North McDowell Boulevard, Petaluma, CA 94954
WebsiteLicense: 275208

Expertise.com Rating

Review Sources

Yelp
4.0 (11)
Facebook
5.0 (3)

Why choose this provider?

eMortgages.com is a full-service mortgage company that assists homeowners in Santa Rosa and its surrounding areas. It specializes in comparing, contrasting, and estimating the rates and expenses of various loan options. These include conventional, jumbo, bank statement, VA, and FHA loans. The company aims to give quality customer service and has its experts on standby to answer all mortgage questions during business hours. Previous clients have spoken highly about the company's simplified explanation of the mortgage process and its steps.

  • Refinance

490 City Center Drive, Rohnert Park, CA 94928
WebsiteLicense: 1820

Expertise.com Rating

Review Sources

Google
5.0 (1)
Yelp
5.0 (1)

Why choose this provider?

Since its establishment in 1993, CMG Financial has been offering a wide array of mortgage solutions for residents of the Santa Rosa area and its surrounding areas. Some of the loan programs it deals with are conventional, FHA, VA, and jumbo loans. CMG Financial also accommodates clients who are looking into refinancing. One of its mortgage professionals, Cindy MacDonell, is a senior loan officer with over 20 years of mortgage experience in assisting clients who have specific mortgage needs.

  • New Construction
  • Refinance
  • Purchase

2 E Street, Santa Rosa, CA 95404
WebsiteLicense: 1832613

Expertise.com Rating

Why choose this provider?

Tracey Financial Group Inc. is a mortgage brokerage serving Santa Rosa and the surrounding communities. It serves individuals and families, providing them with residential and commercial real estate loans and refinancing options. It also handles an array of loan programs, including conventional, USDA, VA, and HA loans. The company serves the needs of clients in debt consolidation, investment, construction, and multi-family loans. With over two decades of experience, the agents from this firm provide personalized advice and guidance that suit each client's needs and goals.

  • New Construction
  • Refinance

100 E Street, Santa Rosa, CA 95404
WebsiteLicense: 1285687

Expertise.com Rating

Review Sources

Facebook
5.0 (4)

Why choose this provider?

McCormick & Co. is a family-owned and family-operated mortgage firm that serves clients in Santa Rosa. It offers various loan options for borrowers, including bridge loans, temporary financing, and second chance financing. Martin B. McCormick founded the company in 2007. He has more than 35 years of experience in banking, finance, and real estate. McCormick and his team of agents also develop financing products in response to market changes. In addition, McCormick has worked as a loan executive and mortgage banker in Sonoma County.

  • New Construction

1425 North McDowell Boulevard, Petaluma, CA 94954
WebsiteLicense: 896711

Expertise.com Rating

Review Sources

Yelp
5.0 (27)
Facebook
5.0 (2)

Why choose this provider?

Yosef Shapiro is a mortgage advisor located in Petaluma and can serve Santa Rosa and other cities within the Bay Area. He and his team assist potential homebuyers in refinancing mortgages, consolidating debts, attaining lower down payments, and get pre-qualifications. The company offers the following loan options: fixed-rate mortgages, FHA home loans, VA loans, and jumbo home loans. Each solution offers competitive rates, and the company can efficiently help clients close most loans within 30 days.

  • Refinance

1260 North Dutton Avenue, Santa Rosa, CA 95401
WebsiteLicense: 1082903

Expertise.com Rating

Review Sources

Google
5.0 (1)
Yelp
5.0 (1)

Why choose this provider?

AllState Mortgage Company is a financial and lending service that addresses the mortgage borrowing needs of clients in Santa Rosa. It offers mortgage programs for real estate buyers as well as clients planning to refinance their current loans. The company's senior loan originator, Jon Griffith, previously served as the president of the Redwood Empire Mortgage Lenders Association. Additionally, AllState Mortgage Company is led and founded by Eric McLaughlin, who also carries a position in DriWater Inc.'s Board of Directors.

  • Refinance

1000 Clark Street, Santa Rosa, CA 95404
WebsiteLicense: 1279902

Expertise.com Rating

Review Sources

Yelp
5.0 (4)
Google
5.0 (2)

Why choose this provider?

North Bay Capital is a mortgage and real estate brokerage that provides services in Santa Rosa and the surrounding areas. The agents from this firm cater to first-time buyers and real estate investors. They provide guidance to clients regarding their finances, needs, and history. The company offers a variety of loan options, such as a fixed-rate mortgage, VA loans, rehab loans, FHA loans, USDA loans, low down payments, and investment property. It also has reverse mortgages and FHA construction loans.

  • Refinance

315 College Avenue, Santa Rosa, CA 95401
WebsiteLicense: 2085416

Expertise.com Rating

Review Sources

Google
5.0 (2)
Yelp
4.0 (1)

Why choose this provider?

A Santa Rosa-based mortgage firm, Empower Capital LLC serves the local residents and the surrounding communities throughout California. It is a broker and a lender that allows it to use multiple banks and lenders to assist clients. It offers loans like conventional fixed-rate mortgages, FHA loans, VA loans, USDA rural housing loans, 1% down conventional mortgage, and jumbo loans. Additionally, it provides services like reverse mortgages, adjustable-rate mortgages, and refinance options. Empower Capital Group was founded in 2004.

  • Refinance

Compare our Top Mortgage Brokers

NameExpertise RatingAddressPromotionsLearn more
HPI Financial
5959 Commerce Boulevard, Rohnert Park, CA 94928
Sun Pacific Mortgage & Real Estate
800 Mendocino Avenue, Santa Rosa, CA 95401
America's Home Loans
131A Stony Circle, Santa Rosa, CA 95401
Premier Lending & Real Estate
645 4th Street, Santa Rosa, CA 95404
GTG Financial, Inc
1421 Guerneville Road, Santa Rosa, CA 95403
The Grace Busby Lending Team
Windsor, CA 95492
Omega Mortgage Group - Santa Rosa
2425 Cleveland Avenue, Santa Rosa, CA 95403
Alliance Reverse Mortgage
3033 Cleveland Avenue, Santa Rosa, CA 95403
Seliga Financial
645 4th Street, Santa Rosa, CA 95404
A-1 Loans & Investments
411 Farmers Lane, Santa Rosa, CA 95405
Petaluma Home Loans
775 Baywood Dr, Ste 111, Petaluma, CA 94954
Emortgages.com
1425 North McDowell Boulevard, Petaluma, CA 94954
CMG Financial
490 City Center Drive, Rohnert Park, CA 94928
Tracey Financial Group Inc
2 E Street, Santa Rosa, CA 95404
McCormick & Co.
100 E Street, Santa Rosa, CA 95404
Yosef Shapiro
1425 North McDowell Boulevard, Petaluma, CA 94954
Allstate Mortgage
1260 North Dutton Avenue, Santa Rosa, CA 95401
North Bay Capital
1000 Clark Street, Santa Rosa, CA 95404
Empower Capital LLC
315 College Avenue, Santa Rosa, CA 95401

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.