Best Mortgage Companies in Orange County

 

When we talk to folks buying a home here in Newport Beach, North Tustin, or pretty much anywhere in Orange County one of the first questions that comes up usually relates to financing.

(No point in home shopping unless you know what you can qualify for if you need financing, right?)

 

There are literally hundreds of mortgage companies here in the OC, so you’ve got plenty to choose from.

 

It can be hard to figure out who is the best “fit” for you when looking for home financing: there are different specialties based on your situation (i.e. FHA vs. conventional vs. VA, etc) and you since you will probably spending some real time with the person, they should be a good match in terms of personality for you.

 

With that being said, here are several of the best mortgage providers locally:

 

 

Beny Rabuchin began his career in mortgage banking in 2004 when he joined Countrywide Home Loans as part of a team that did over $100 million in volume in his first year. He quickly grew as one of the most trusted names in the industry. His knowledge runs the gamut from first-time home buyers to seasoned homeowners managing several properties.

 

His ability to construct solutions from simple to complex loan scenarios, all while being able to communicate to his clients in an easy-to-understand fashion, has placed Beny apart from the rest.

 

Understanding that each individual client has different needs and desires, Beny has fine-tuned his ability to find options and offer advice to help suit their goals.

 

Prior to joining New American Funding, Beny worked with Bank of America for eight years, and made the move to Bank of Manhattan where his production in 2012-2014 awarded him with Platinum Club status as one of the top producers in the company.

 

Beny could not be more pleased with his recent decision to join the New American Funding family. He has followed their growth and success over the past four years and it’s clear to him that New American Funding has created the best place for loan originators to grow and flourish. He is excited about the depth of product the company offers and believes they stand out as the clear leader in this area for the mortgage banking industry.

 

Broker or Lender? We are a direct lender for Fannie Mae, Freddie Mac, and all government loan products. We also have several relationships with other lending institutions in which we have the ability to broker loans to them; so depending on the customers’ needs and goals, we can approve their loan internally or send it to another lender that will best suit their situation.

 

Products Offered: We offer all Fannie Mae, Freddie Mac, FHA, VA and a wide array of jumbo loan products.

 

 

 

Soren has lived in and owned his home in the Orange County Area since 2002 when he relocated from the Silicon Valley. He has closed over 2,000 home loan transactions and has owned and managed several Orange County businesses.

 

Broker or Lender? Direct Lender with the ability to broker to various other investors should the programs not be available in-house.

 

Products Offered: Conventional, Jumbo, FHA, VA, USDA, CHADAP, 2nd Mortgages, and Helocs along with purchase product 1st.

 

 

Inspira Group is committed to helping borrowers with great financing options for residential real estate. Their personal and proactive approach combined with experience and commitment to delivering exceptional results for clients is what drives Them. They go above and beyond the basic responsibilities and guide you through each step of the transaction providing exceptional value. With Inspira Group, no detail is left to chance. From start to finish homebuyers, sellers and borrowers benefit from frequent communication and friendly, professional support.

 

Bob has been successful in real estate for over 25 years. His passion for assisting others and providing the ultimate in customer care throughout the loan process has earned him over a 95% referral base of repeat and referred clients. Referrals are how Bob measures his success. His commitment and dedication to clients, employees, agents, and his family are unsurpassed. He has an MBA in finance from New York University and a Bachelor’s degree in Psychology. Bob lives in Laguna Niguel with his wife Kei and their dog Sachi.  Their two children, Julie and David, are college graduates and working in Southern California.

 

Broker or lender? Both

Products Offered: FHA, VA, Conventional… my art is a) educating and coaching clients, b) deal structure and c) optimizing the best loan for clients

 

 

 

Aaron enjoys serving others and strives to improve others' lives with whom he comes into contact. He is involved with three local nonprofits that are responsible for giving back to the local community: Saddleback Church, Orange County Young Professionals Network, and The Elite OC.

 

He has been recognized as an expert in his field and has been featured in the Orange County Register on several occasions. He is a graduate of Azusa Pacific University, where he studied business.  He holds his broker’s license from the state of California.  

 

He has also earned both his Certified Mortgage Planning Specialist ‘CMPS’ and Certified Mortgage Advisor ‘CMA’ designations.  This advanced training has provided him with the tools and know-how to play an advisor role.  CMPS professionals have demonstrated financial knowledge and expertise regarding the tax and financial planning implications of various mortgage and real estate investment strategies.  Therefore, CMPS professionals can better advise you when it comes to: -Your single largest debt – mortgage -Your single largest asset – real estate equity -Life Planning needs and goals – cash flow.

 

Broker or Lender? Both

 

Products Offered: Conventional, Jumbo, FHA, VA, Reverse Mortgages, Renovation Loans, USDA and CalFHA

 

 

Brad’s experience of processing, underwriting, and loan origination combined with Paramount Residential Mortgage Group helps provide the best level of service, expertise, and consistent 21-day escrow closings. They offer competitive rates with top-notch service levels.

 

Brad specializes in first-time homebuyers and helping a buyer with down payment assistance – Brad spends the time it takes for you to understand the process. He also has knowledge of 450+ programs to find the right program for you from zero money down to below market value interest rates.

 



After the right program is found for the borrower it’s all about the packaging. Packaging is everything in today’s market. Brad applies his previous experience as a Level 3 Underwriter/Processor to answer the questions underwriting may have before they ask it.

 

Brad is a Mortgage Planner, Problem Solver and he handles all loans. They are also looking for like-minded originators that want to benefit their current business as well as grow their business with a manager and company that has proven to withstand the ever changing industry.

 

Broker or Lender? Direct lender with PRMG (Paramount Residential Mortgage Group)

Products Offered: All mortgage types

 

 

Mortgage Vintage, Inc. connects people who want to invest money secured by Real Estate with real estate investors and business professionals who want to borrow money. Specifically, they’re a Hard Money Lender placing private investment capital into well-secured and well-underwritten Trust Deed Investments.  Their mission is to provide the highest quality Trust Deed Investment opportunities with first-class service, communication, and transparency.

 

Broker or Lender? Both

 

Products Offered: Hard money, bridge loans, “fix-and-flip.”

 

 

R. Scott Clift, president and broker of Westpark Equity Group, ensures his clients receive the best outcome for their real estate needs, and world-class customer service on every real estate transaction.

Since 1994, Scott has helped hundreds of homebuyers and homeowners just like you to turn their dreams into reality.

 

Before launching his own mortgage company in 2007, Scott spent over 13 years working in both large multi-family property acquisition and management, as well as residential mortgage lending. Scott’s professional service is founded on the bedrock aim of your long-term financial security and wealth accrual. Scott’s passion for helping business owners stems from his conviction that small businesses are the cornerstone of healthy communities and economies.

 

Broker or Lender? Primarily brokers, although they internally fund some “fix-and-flips.”

 

Products Offered: Unconventional Loans – Hard Money, Stated Income, Bank Statements, and Asset Depletion

 

 

Jackie is a master at breaking the complicated mortgage process into easy-to-digest tidbits of information.

 

Married for over 20 years and mother to 2 amazing daughters, Cheerful and Persistent, she will make sure your loan closes ON TIME and keep you in the loop ALWAYS.

 

The first question she asks is: How can I help YOU?

 

Broker or Lender? Right Choice Mortgage is a broker – as we feel that 20 Options are better than one.

 

Every lender has days that they back off in pricing or are backed up in underwriting. The beauty of being a broker is we can CHOOSE the best lender/pricing to fit our borrower's needs and are not stuck with just one option. Our borrowers get the best pricing, fastest turn times, and specialized programs to meet their varied needs.

 

Products Offered:  Purchase and Refinance, FHA, Conventional, VA & Portfolio. We have programs to serve Jumbo Loans up to 3 Million and everything in between and all the way down to 550 credit scores. 

 

 

 

Anthony has been a real estate agent since 1986 and a Broker since 1999. Before real estate, he was in banking for 11 years and has now been doing Mortgages for the last 12 years.

 

Broker or Lender? Broker

 

Products Offered: Conventional and not so conventional, reverse mortgages, and SBA loans.

 

 

Sergio Hernandez has over 20 years of experience in the mortgage and real estate industry and has been with Trademark since 2005.  He has a deep understanding of the purchase market and refinance market, with an extensive background in all facets of mortgage lending, including underwriting and management. 

 

Sergio is well-versed in all types of mortgages, including FHA/VA, Conventional, and Jumbo. His extensive industry knowledge and experience sets him apart from his competition.  He consistently provides flawless service and dependability on every transaction.

 

Broker or Lender? Broker

 

Products Offered: FHA, VA, Conventional, and Reverse Mortgages

 

 

I started in real estate finance in 2005 near the peak of the market and managed to consistently grow business in both units and transaction volume each year during the historic market downturn from 2006 – 2010.

 

We are the educators – Your mortgage mentors!

 

Not only do we help people like you qualify for and obtain real estate financing, but we also invest our time in both educating you and acting as your home loan advocate.

 

Whether you are purchasing as a first-time home buyer, refinancing, or exploring your options as an experienced investor, we conduct thorough mortgage reviews so that we can:

 

 

We know that our job is to serve you – Period. Our approach will always be relational, not transactional. We built this business one relationship at a time with 100% of our time devoted to serving the needs of our clients first.

 

Now, how can we help?

 

Broker or Lender? Mortgage bank. The parent company is Plains Capital Bank in Texas. We are a direct lender. We do a small amount of brokering. Most investors are brought in-house. We do the underwriting of their guidelines, closing, and funding. We service about 15% of our loans and sell the rest to our investors.

 

Products offered: All – FHA, VA, USDA, Conventional, Jumbo, and a huge platform of renovation and new construction loans, along with a variety of escrow holdback programs.

 

📞 (800) 662-6784

Paul Scheper is a licensed real estate lender since 1983.

A graduate of Harvard University with an MBA from USC, Paul knows how to get loans done on time, and on schedule.

Paul loves to serve home buyers, consumers, veterans, senior homeowners, realtors, and financial planners with programs that save them time and money, whether it be with a reverse mortgage with zero monthly payments, a VA loan with zero down, a conventional no-cost loan, or a home equity line of credit.

Broker or Lender: I am a broker or banker, whichever offers the lowest rate and the best loan solution to my client.

Products offered: I offer reverse mortgages, traditional mortgages, or home equity lines that fall into three categories — FHA, VA, or Conventional.

 

 

📞 (888) 525-5345

Williams Financial, Inc. is an outstanding mortgage brokerage firm that was created in 2008 to specialize and serve those in need of purchasing a home or refinancing. Williams Financial services the lending needs of its clients (primarily US Veterans), real estate professionals, builders, and individual home buyers. We have access to a full range of mortgage sources and are dedicated to finding the right loan–with the best rates, terms, and costs–to meet our client’s unique needs.

 

We are an approved broker and leader in VA, Conventional, and FHA loans. We have helped thousands of veterans that have come to us for their mortgage needs. Customer Service, 24 hour availability, and our attention to detail continue to be our key in providing trusted and reliable service with excellent value. Look to Williams Financial to provide you with the best products and services when you look for a new home mortgage.

 

Our VA Home Loan experts are dedicated to their mission of helping service members, present and past, and their families finance the home of their dreams using the benefits earned through their service.

 

Our clients are extremely comfortable in working with someone with integrity, professionalism, and ability to place people with the best product for their situation. We will become friends and mentors to our customers as well as quality service providers.

Broker or Lender? Broker
Products offered? VA primarily