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2024

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Best Mortgage Brokers in Temecula, CA

Our Recommended Top 13

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

36Reviewed

26Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

28693 Old Town Front St., Temecula, CA 92590
WebsiteLicense: 1683210

Expertise.com Rating

Review Sources

Google
4.9 (53)
Facebook
4.3 (7)
Yelp
5.0 (1)

Why choose this provider?

ARRIVE is a boutique real estate brokerage that helps clients buy, sell, and finance homes and properties throughout California, including Temecula. It links borrowers to potential lenders that offer conventional, jumbo, and FHA loans. The brokerage has Realtors on staff who strive to reduce the stress caused by home buying and selling by setting clear expectations based on market conditions and interest rates. ARRIVE sold more than 125 property units and posted more than $175 million in sales volume.

  • Refinance

41607 Margarita Rd. Suite 102, Temecula, CA 92591
WebsiteLicense: 2183529

Expertise.com Rating

Why choose this provider?

Alfred Castro lll is a loan officer with Franklin Loan Center who helps prospective home buyers in Temecula and nearby areas finance their dream homes. Available programs include conventional, FHA, jumbo, USDA, and VA loans, as well as reverse mortgage and alternative QM options. He matches clients with the program that fits their specific needs, allowing them to make informed purchases. Franklin Loan Center has been serving the mortgage needs of Southern California residents since 1989.

  • Refinance
  • New Construction

41689 Enterprise Circle North Suite 222 & 228, Temecula, CA 92590
WebsiteLicense: 306013

Expertise.com Rating

Review Sources

Google
5.0 (10)
Facebook
5.0 (5)
Zillow
5.0 (4)

Why choose this provider?

Michelle English, a mortgage specialist with Pacific Lending Company, advises and guides borrowers in the Temecula metro. She works with individuals and families looking to achieve their homeownership goals and borrowers who want to gain payment flexibility or maximize home equity. She also provides the necessary support for move-up buyers, property investors, and senior citizens, assessing their eligibility for various programs. Michelle English is committed to keeping her clients updated about the status of their loans.

  • Reverse Mortgages
  • Purchase
  • Refinance

Rancho Santa Fe, CA 92067
WebsiteLicense: 345992

Expertise.com Rating

Review Sources

Google
5.0 (10)

Why choose this provider?

GM Mortgage has been serving home buyers and owners in Temecula since 1978. It provides loan programs for different needs, including FHA, VA, conventional, refinancing, and construction loans. It also assists with HELOCs and reverse mortgages for clients who want to take advantage of their home's equity. Its loan officers practice transparent communication, being honest with what loans are possible and working to secure the ideal rates for the client. Broker and owner John Manson is a member of the National Association of Mortgage Brokers.

  • Refinance

38625 Calistoga Dr., Murrieta, CA 92563
WebsiteLicense: 315238

Expertise.com Rating

Review Sources

Google
4.5 (31)
Yelp
4.0 (20)
Zillow
5.0 (7)

Why choose this provider?

Brad Yzermans is a mortgage broker who helps families in Temecula achieve their dream of homeownership, even if they have a history of foreclosure, short sale, or bankruptcy. He provides various loan options, including conventional, FHA, VA, jumbo, and reverse mortgages, to those looking to purchase their first single-family home, second home, or investment property. He also assists clients with outstanding mortgages in obtaining a rate or term refinance or cash out of their home's equity.

  • Reverse Mortgages
  • Refinance

43950 Margarita Road Suite C, Temecula, CA 92592
WebsiteLicense: 135622

Expertise.com Rating

Review Sources

Google
5.0 (106)
Yelp
5.0 (25)

Why choose this provider?

The Wise Guys offers home-financing options to the residents of Temecula and nearby communities. Its lending officers help individuals seeking mortgage programs to refinance their existing loans or acquire new homes. Their mortgage options include FHA, VA, USDA, and jumbo loans, which may cover various property types, including single- or multi-family homes, condominiums, and vacation or townhouses. The team takes the time to discuss loan details with clients and the programs they may qualify for.

  • New Construction

43050 Calle Cristal, Temecula, CA 92592
WebsiteLicense: 344029

Expertise.com Rating

Review Sources

Zillow
5.0 (29)
Google
5.0 (10)

Why choose this provider?

Randy Van Orden is a mortgage broker who assists individuals and families in and around Temecula with their home loan-related concerns. For more than 25 years, he has been helping clients with their real estate needs through various financing options. Some of these include government-backed loans such as FHA, VA, and USDA. Van Orden also has special programs that provide low down payments for community workers, such as teachers, police officers, healthcare professionals, and firefighters.

  • Refinance

38625 Calistoga Dr Suite 200, Murrieta, CA 92563
WebsiteLicense: 1202711

Expertise.com Rating

Review Sources

Google
4.9 (47)
Facebook
5.0 (16)

Why choose this provider?

The Kathy Lee Mortgage Team caters to individuals and families throughout the Temecula metro and nearby locations. The full-service mortgage group primarily focuses on providing VA loans for active duty military service members and veterans, bringing over 20 years of experience in helping them achieve their goal of homeownership. Other loan programs are also available, such as Down Payment Assistance, Zero Down Payment, FHA, HomePath, jumbo, and conventional loans. The team also offers refinancing assistance.

  • Refinance
  • New Construction

473 E Carnegie Dr., Suite 200, San Bernardino, CA 92408
WebsiteLicense: 1910299

Expertise.com Rating

Review Sources

Google
4.6 (10)

Why choose this provider?

Pure Mortgage serves clients across the Temecula community and the surrounding areas. The company guides potential homeowners who wish to apply for loan programs to purchase primary, investment, or vacation properties suitable for their budgets and needs. These loan programs include FHA, USDA, and VA. It also guides individuals ad families needing jumbo and super jumbo loans to obtain amounts higher than the conforming limit. Pure Mortgage has more than 10 years of industry experience.

  • Refinance

30070 Temecula Pkwy, Suite 201, Temecula, CA 92592
WebsiteLicense: 1865339

Expertise.com Rating

Review Sources

Yelp
5.0 (257)
Google
4.9 (167)
Facebook
5.0 (158)

Why choose this provider?

Modern Lending is a team of mortgage advisors serving Temecula and the surrounding neighborhoods. They help clients understand the various loan options available, whether they are funding their own home or commercial real estate. They assist in choosing suitable loans based on their finances and location. Jumbo, conventional, and 203k home loans are some of Modern Lending's products. Its president, Brian Decker, has over a decade of industry experience and has funded more than $2 billion.

  • Refinance
  • New Construction

28475 Old Town Front St. Ste. M, Temecula, CA 92590
WebsiteLicense: 395424

Expertise.com Rating

Review Sources

Google
5.0 (100)
Facebook
5.0 (30)
Yelp
5.0 (1)

Why choose this provider?

Medina Team, a part of the Fairway Independent Mortgage Corporation, delivers solutions for the homeownership dreams of families in Temecula. Led by area manager Dave Medina, the team helps clients in the purchase of homes or refinance of loans through options such as conventional lending, reverse mortgages, and downpayment assistance programs. The team guides clients throughout the mortgage process, from application to funding and closing. Medina has been in the loan origination industry since 2003.

  • Refinance
  • New Construction

41743 Enterprise Circle N. Suite 204, Temecula, CA 92590
WebsiteLicense: 902377

Expertise.com Rating

Why choose this provider?

Erika Maldonado addresses the real estate needs of residents in and around Temecula. She provides a variety of mortgage solutions to help families and individuals achieve their dream homeownership. She assists investors and buyers in filing loan applications to acquire different types of mortgage programs. The professional processes conventional, jumbo, USDA, FHA, and VA loan products. Maldonado works as a branch manager at Paramount Residential Mortgage Group, Inc.,—a company that has been in operation for more than two decades.

  • Refinance

43513 Ridge Park Drive, Temecula, CA 92590
WebsiteLicense: 2145020

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Mike Villano is the national director of sales for the Veterans Lending Group, a mortgage brokerage company serving military families in Temecula. Together with the team, Mike provides loans to first-time home buyers and refinancing to house owners. As a VA lending specialist, he helps clients with every step of the mortgage transaction. Veterans Lending Group's team of loan officers includes military service members, community leaders, and educators. The company gives back to the community through the Operation Shield Foundation.

  • Refinance

Compare our Top Mortgage Brokers

NameExpertise RatingAddressPromotionsLearn more
ARRIVE
28693 Old Town Front St., Temecula, CA 92590
Alfred Castro lll
41607 Margarita Rd. Suite 102, Temecula, CA 92591
Michelle English
41689 Enterprise Circle North Suite 222 & 228, Temecula, CA 92590
GM Mortgage
Rancho Santa Fe, CA 92067
Brad Yzermans
38625 Calistoga Dr., Murrieta, CA 92563
The Wise Guys
43950 Margarita Road Suite C, Temecula, CA 92592
Randy Van Orden
43050 Calle Cristal, Temecula, CA 92592
Kathy Lee Mortgage Team
38625 Calistoga Dr Suite 200, Murrieta, CA 92563
Pure Mortgage
473 E Carnegie Dr., Suite 200, San Bernardino, CA 92408
Modern Lending
30070 Temecula Pkwy, Suite 201, Temecula, CA 92592
Medina Team
28475 Old Town Front St. Ste. M, Temecula, CA 92590
Erika Maldonado
41743 Enterprise Circle N. Suite 204, Temecula, CA 92590
Josh Busey
43513 Ridge Park Drive, Temecula, CA 92590

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.