Areas served: Irvine, CA and surrounding Orange County
Irvine's mortgage landscape reflects its diverse housing stock, from Irvine Company apartments to single-family homes in master-planned villages like Woodbridge and Northpark. Local mortgage brokers serve both first-time buyers navigating the city's competitive market and investors seeking financing for properties in the area's numerous planned communities. This directory provides verified information on licensed mortgage professionals serving Irvine and Orange County.
Mares Mortgage is the oldest mortgage broker on the West Coast, founded in 1993 and operating as Sea Country Mortgage Inc. in San Juan Capistrano, CA. Led by founder Cutberto Hernandez and a team of senior loan originators, they specialize in fast underwriting (48-hour pre-approvals, 17-day average closings), zero-cost refinancing, and competitive rates across conventional, jumbo, VA, FHA, HELOC, and Non-QM loans. With a 5-star rating from 804+ Google reviews and over 100,000 homes financed, they serve Orange County and nationwide clients with a 99.9% approval success rate.
“We got to work with Christian when we were purchasing our first home a year ago and he helped us greatly then so we went back to him for refinancing. It was our first time refinancing and we could not ask for a better person to work with! Both times that we got to work with him, he was explaining and answering all our questions with great details and patience. He was thoughtful and caring and we appreciated that very much. Him and his team helped us also achieve our refinancing goal. Highly recommend him and Mares Mortgage! :)”
— Yeju Kyle, Google Review · 5 ★ avg from 804 reviewsPrime Mortgage is a full-service mortgage broker in Costa Mesa, CA, specializing in purchase loans, refinancing, and HELOCs for Orange County homebuyers. Their team of experienced loan officers provides personalized mortgage solutions including FHA, VA, USDA, jumbo, and first-time homebuyer programs with competitive rates and flexible down payment options. With a perfect 5.0-star rating from 691+ Google reviews, Prime Mortgage serves Costa Mesa and the surrounding Orange County area with extended hours 7 days a week.
“I had a very positive experience working with Prime Mortgage on my HELOC loan. The entire process felt smooth and well-supported from start to finish. Charlotte was especially wonderful — she answered all of my questions promptly and always followed up to make sure I understood each step. Her communication made the process feel much less overwhelming. Frank was also instrumental and supportive throughout. I truly appreciate the team’s professionalism and guidance. Thank you for making this a great experience!”
— Linda Ramirez, Google Review · 5 ★ avg from 692 reviewsQualified Home Loans is a mortgage lender in Laguna Hills, CA led by Mike Pacheco, a Top Lender in California featured in Top Agent Magazine. They specialize in purchase and refinance loans with a focus on personal service, expert guidance, and technology-driven simplicity. With a 5-star rating from 544+ Google reviews, they're known for closing almost every loan they start and being available evenings, weekends, and whenever clients need them.
“Working with Mike Pacheco and the entire team at Qualified Home Loans was truly an outstanding experience! From start to finish, they made the entire home loan process incredibly easy, smooth, and even enjoyable. Mike was always professional, patient, and proactive—he walked us through every step, answered all our questions, and made sure we felt confident and informed the whole way through. The team’s communication was excellent, their guidance was clear, and their dedication to making everything stress-free really stood out. It’s rare to find a lender who combines expertise, efficiency, and genuine care, but Mike and his team delivered all of that and more. We absolutely loved working with them and would 100% work with them again in the future. Highly recommend Mike Pacheco and Qualified Home Loans to anyone looking for a trustworthy, knowledgeable, and truly exceptional lending team!”
— Joe Medina, Google Review · 5 ★ avg from 544 reviewsCoastal Pacific Lending Inc. is a full-service mortgage lender based in Orange, CA with over 20 years of experience and 10,000+ satisfied clients nationwide. Led by licensed mortgage advisors, they specialize in fast loan closings (as quick as 9 days), competitive rate shopping across multiple lenders, and personalized guidance for purchase loans, refinancing, and cash-out refinances. With $870M+ in funded loans and a perfect 5.0-star rating from 399 Google reviews, they serve homebuyers and homeowners across 10 states including California, Arizona, Texas, Florida, and Washington.
“MAURICIO BENNETT is such a Gem…After a divorce I had to refinance my house. Once you have one inquiry so many mortgage companies will start calling you. The loan officers seem friendly and courteous, UNTIL they saw that my credit was bad and I was in no position to refinance! Their kindness disappeared and I cannot forget how much their attitude changed once I was not a candidate to be approved. I got their answer as “well there’s nothing we can do right now because your credit is not good,” or if I asked a question I would get a “we won’t know because it all depends on your credit” ! And I get it, I need credit. However, I just had questions, so that it could help me prepare to get to that point, but once they knew I couldn’t purchase they were not willing to give me the time of day to answer my questions. Fast forward a year later, I’ve worked on fixing my credit. My credit score is high now and I have multiple mortgage companies calling. I immediately hung up on them, no thank you I’m not interested in your services. I still needed to refinance, however I had such a bad taste in my mouth from how the loan officers made me feel that I did not know how to choose who to get. Until the day that Mauricio Bennet called. Something in him made me not hang up. I felt comfortable asking him questions and I did not get a “we need to check your credit first “. He was so knowledgeable. And I know the credit determines so much of how your loan will go, but He gave me scenarios and shared all his years of knowledge about all the concerns I had. This was a scary thing to do on my own and he was there for me, making it so easy every step of the way. I remember he said do this and let me know this before I even pull your credit , because if this comes up there’s no point in even giving you an inquiry with a credit pull, because it would immediately disqualify you, etc. And once he felt I was ready, we started the process and He patiently guided me every step of the way. He focused on me and made me feel I was his only client because of how prompt he was in everything he did. He communicated with me immediately, explained the why’s of something that didn’t make sense to me. I acquired complete trust in him. He made me feel he truly cared that I got the best rates and that I got this done most of all, I had to. I know it takes a team , and Coastal Pacific Lending and Mauricio Bennet did an excellent job in giving me the best rates, personalized attention and such a smooth process that made something so scary for me become a piece of cake. Thank you Mauricio for taking pride in what you do! You are truly the BEST! The customer care you provide is unique and lost now a days and no one has true interest in helping others, but you do!! You gave me so much financial advice that I plan to keep with me always. I am now a home owner :) Thank you Mauricio for everything you did for me!”
— Astrid Juarez, Google Review · 5 ★ avg from 399 reviewsYour Favorite Lenders is a California mortgage company founded by award-winning partners Garret and Landis, who bring over 10 years of experience and have funded over $100M in loans. Based in Anaheim, CA, they specialize in fast, customized mortgage solutions across a wide range of programs — from conventional 30-year fixed and FHA/VA loans to specialized options like fix-and-flip, DSCR, ITIN, and commercial loans. With a 5-star rating from 200+ clients, they're known for competitive rates, transparent communication, and a personalized approach that makes homeownership accessible for first-time buyers, investors, and growing families across Orange County.
PrimeLending's Aliso Viejo branch is a full-service mortgage lender serving Irvine and Orange County, CA, backed by PlainsCapital Company. Led by Production Manager Raul Pinedo (NMLS# 453814), the team of six experienced loan originators specializes in purchase loans, refinances, VA loans, and renovation financing. With a 5.0-star rating from 166 Google reviews, they're known for streamlined digital applications, on-time closings, and personalized guidance through every step of the home financing process.
“We had a great experience working with Richard and his team. Communication was excellent throughout the entire process, and they made everything feel simple and straightforward. As first-time home buyers, my wife and I really appreciated how easy they made things and how available they were to answer our questions.”
— Laine Saunders, Google Review · 5 ★ avg from 166 reviewsFirst Place Home Loans is an Orange County mortgage brokerage led by experienced loan officers specializing in FHA, VA, conventional, and jumbo loans. Founded in 2013, the team focuses on personalized service, fast closings, and competitive rates for first-time buyers, refinances, and move-up purchases throughout Southern California. With a 5-star rating from 159+ Google reviews and extended evening hours, they make the home loan process accessible and stress-free.
“Bobby was referred to me recently by a very close friend who spoke so highly of him and First Place Home Loans that I didn't hesitate to call. My friend recently used Bobby on the purchase of her home as with many members of her relatives. Since the moment I spoke with Bobby, he was nothing less than fantastic! My situation was not simply a clear cut mortgage but centered on paying off my recently deceased mother's reverse mortgage. Bobby walked me patiently through the entire process from beginning to end and made me feel so comfortable since he was doing the heavy lifting, which was incredibly satisfying due to having to work through my mother's memorial, while at the same time. In addition, in looking through my mother's home owners policy, Bobby said that she was paying too much and asked if he could shop around for a better rate. Bobby came through a few days later with a quote from a major carrier that I also have my car insurance with and was able to bundle both together, essentially saving me $$$$$, while increasing my homeowner's coverage substantially! Lastly, Bobby worked successfully to enable me to capitalize on keeping my annual taxes very close to what my mother's annual tax rate was, which also saved me $$$$$! I owe Bobby and his staff a level of gratitude and the sincerest thank you for such a smooth process. I can't begin to say how happy I am!! Do yourself a favor and immediately stop looking for a broker or change brokers if you are already working with one, pick up the phone and call Bobby! He will take care of you every step of the way! I have already begun telling everyone I know to do the same including another close friend who is now working with Bobby! CHEERS AND THANK YOU!!!!”
— Jeff Harris, Google Review · 5 ★ avg from 159 reviewsTrustLink Mortgage is a California-based mortgage brokerage led by experienced loan officers Ignacio and Jason, serving homebuyers and homeowners across six western states since 2019. Specializing in complex qualifying scenarios, VA loans, and new construction financing, they've helped over 1,000 clients secure more than $500 million in home loans. With a perfect 5-star rating from 153 Google reviews, TrustLink is known for responsive communication, weekend availability, and personalized service for purchase loans, refinances, HELOCs, and reverse mortgages in Irvine, CA and throughout Arizona, California, Colorado, Idaho, Florida, and Texas.
“We had a super last minute issue but Ignacio came in like a knight in shining armor. That’s exactly how it felt and what we experienced with him and Trustlink Mortgage! This would be our 5th home purchase but the very BEST experience. Ignacio was so fast. Immediately he was very responsive, very organized, followed up continuously, step by step, day by day. He turned a normally very long and difficult process, to an extremely quick process. He was available all the time! He was honest, forward, did not waste any time. The best part of this story is he got us the loan of what he promised. I highly 100% recommend Ignacio and Trustlink Mortgage!!! Try him FIRST before anywhere or anyone else! Thank you always Ignacio, we are grateful!!!”
— Miko Carson, Google Review · 5 ★ avg from 153 reviewsUpfront Home Loans is a mortgage brokerage based in Orange, CA, serving Orange County homebuyers and homeowners looking to refinance. The team specializes in fast loan funding (typically under 30 days), competitive rate shopping across multiple lenders, and personalized guidance for first-time buyers and refinance clients. With a 5-star rating from 126+ Google reviews, they're known for transparent communication and helping clients lock in lower rates through strategic comparison shopping.
“"Working with Sergio on my home refinance was a great experience. He was professional, incredibly knowledgeable, and made the entire process feel effortless. He is very responsive and attentive to your needs. He secured a great rate for me and I always felt informed. I highly recommend Sergio Hernandez for any mortgage or refinance needs!"”
— Edgar Montes, Google Review · 5 ★ avg from 126 reviewsPrimeLending South Coast Metro is a full-service mortgage lender in Irvine, CA, led by experienced production managers Rich Davis (NMLS# 474198) and Craig Trulli (NMLS# 306088). With decades of combined local lending experience and a 5-star rating from 120+ Google reviews, they specialize in purchase loans, VA loans, refinancing, and renovation financing across Orange County. Their digital-first process delivers real-time updates and on-time closings, with personalized service from loan officers available 24/7.
“I want to thank Craig Trulli for his dedicated service in finalizing my mortgage. It was a lengthy process, but he walked me through it to come up with the best result. He worked well with my financial contact to make sure all the information was properly submitted. I highly recommend Craige to assist you with your needs.”
— Eliana Burley, Google Review · 5 ★ avg from 120 reviewsSmart Money Mortgage is a family-owned mortgage company in Irvine, California, specializing in mobile home loans, manufactured home loans, and traditional residential financing. With decades of combined industry experience, they serve clients throughout Southern California — from Orange County to Los Angeles, San Diego, Riverside, and San Bernardino counties. They offer specialized chattel loans (mobile homes in parks), land/home combination loans, and conventional mortgages with 0% down options available for qualified primary residence buyers. Rated 5 stars on Google from 109 reviews.
“Special thanks to Eddie Albert and Alyssa for truly working alongside us throughout the process. From start to finish, it felt like a real team effort with clear communication and everyone moving toward the same goal. Because of that teamwork, we were able to successfully deliver the keys. We’re very grateful for the support and would absolutely recommend Smart Money Mortgage.”
— David Balderas, Google Review · 5 ★ avg from 109 reviewsDan the Man for Mortgages is an independent mortgage broker in Irvine, CA, led by Dan, who shops over 100 lenders to find borrowers the lowest rates and fees—not working for any single lender. Specializing in first-time homebuyers, medical professionals, self-employed borrowers, and complex loan scenarios (bank statement loans, construction-to-perm, fix & flip), Dan offers access to unique programs including zero-down options, down payment assistance, and portfolio loans up to $40 million. With a perfect 5-star rating from 106 Google reviews, Dan guarantees satisfaction or your money back and is known for saving borrowers thousands compared to direct lenders.
World Home Loans is a mortgage broker founded by Brian Edward Cooke, Jr., ranked #1 in the nation for VA loans by Real Estate Track Record's 2025 Top Mortgage Brokers list. They specialize in lightning-fast VA loan closings (18-day average vs. the industry's 45-50 days), offering 30-year fixed, 15-year fixed, and 5/1 ARM options with escrow waivers up to 100% LTV and customized loan terms. Based in Irvine, CA with extended weekday hours and Saturday availability, they serve Veterans nationwide with a team averaging 20+ years of mortgage experience and a perfect 5.0-star rating from 98 Google reviews.
“I recently purchased a home and worked with Brian Cooke and Emma Waterhouse at World Home Loans — and they were outstanding. I’ve worked with multiple mortgage brokers in the past, and this was by far my best experience. They were professional, personable, and extremely knowledgeable about the mortgage process and available loan options. Everything was explained clearly, and I always felt informed and confident in my decisions. What truly impressed me was their speed and execution. I was pre-approved quickly and closed escrow in less than 21 days from offer acceptance — incredible! Their responsiveness and organization made the entire process seamless. I highly recommend Brian and Emma to anyone looking for a top-tier mortgage team.”
— Samuel Anyanwu, Google Review · 5 ★ avg from 98 reviewsOnPoint Mortgage Pro is a licensed mortgage broker serving Irvine, CA and nine states nationwide. With a 5.0-star rating from 78+ Google reviews, they specialize in shopping multiple lenders to secure lower rates and closing costs for home purchases, refinances, and reverse mortgages. Their team offers expert guidance on Conventional, FHA, VA, Non-QM, and Home Equity loans, with a focus on first-time buyers and veteran borrowers.
“I had the pleasure of working with Victor Santos, and he truly exceeded expectations on a recent purchase transaction. Despite the Builder offering an $8k incentive with their own mortgage rates, Victor and Onpoint Mortgage Pro provided a competitive rate that not only beat the Builder’s offer but also allowed us to close smoothly and on time. We had a tight deadline—just 11 working days on a newly built home—but Victor was up for the challenge. My clients are beyond happy with the seamless experience and grateful for the efficiency that made this process stress-free. I highly recommend Victor for anyone in need of a dedicated and reliable mortgage professional!”
— Deepti Sharma, Google Review · 5 ★ avg from 78 reviewsOso Creek Mortgage is led by Mark Stillman, a mortgage broker with over 19 years of finance experience serving Irvine and Orange County, California. They specialize in home purchase loans and refinancing, offering personalized guidance through the entire loan process with a focus on making it simple and stress-free. With a perfect 5.0-star rating from 75+ Google reviews and extended hours seven days a week, they provide accessible, client-focused mortgage services for first-time buyers, refinancers, and repeat homebuyers in the Irvine area.
“This is our second time working with Mark — first for our primary home and now for our investment property — and once again he delivered an excellent experience. He kept us posted every step of the way, clearly explained next steps, and guided us on what to do. His professionalism, responsiveness, and consistency are why we came back to him, and we wouldn’t hesitate to recommend him to anyone looking for a reliable and knowledgeable mortgage broker.”
— Cecille Pacete-Orana, Google Review · 5 ★ avg from 74 reviewsWhat's A Mortgage is a mortgage education and lending firm in Irvine, CA, founded by industry expert Minh Nguyen (NMLS 312740, DRE 1826853). They specialize in helping first-time homebuyers and current homeowners understand the mortgage process through one-on-one consultations, free educational resources, and second-opinion reviews to ensure clients get the best deal possible. With a 5-star rating from 73 Google reviews, they serve Orange County and the surrounding Southern California area.
New American Funding is a nationwide mortgage lender headquartered in Santa Ana, CA, with a 4.9-star rating from over 7,700 Google reviews and 408,000+ total customer reviews. They specialize in purchase loans, refinancing, and all-cash offer programs (NAF Cash) with a focus on transparent, stress-free service. Unlike most lenders, NAF services approximately 80% of the loans they originate, meaning they stay with you for the life of your loan. They also offer NAF Concierge, a complimentary service that handles utilities, home security, and insurance setup after closing.
Clear Mortgage Capital, Inc. is a full-service mortgage lender based in Irvine, CA, specializing in digital mortgage solutions for home purchases and refinances. With a team of seasoned loan officers and relationships with top lenders nationwide, they offer competitive rates across a wide variety of loan products including conventional, FHA, VA, jumbo, DSCR, bank statement loans, and HELOCs. They've completed over 11,200 home loans totaling $4.1 billion in funding, and maintain a 4.9-star rating from 1,458+ reviews. Their fully digital, paperless process streamlines approvals and closings while offering end-to-end encryption for document security.
“Working with Clear Mortgage Capital, Inc. was an outstanding experience from start to finish. The entire process was incredibly smooth, and communication was always clear, prompt, and professional. Any time we had a question, we received a quick and straightforward response, which made what can often be a stressful process feel simple and manageable. The transaction itself moved much faster than we expected. They were concise in explaining each step, making sure we understood exactly what was needed without overwhelming us with unnecessary information. Their guidance kept everything on track and helped avoid delays. We especially appreciated their patience as we gathered all the required documents. They were understanding and supportive throughout, giving us the time we needed while still keeping the process moving efficiently. Overall, the experience was seamless, efficient, and stress-free. We would absolutely recommend Clear Mortgage Capital, Inc. to anyone looking for a lender that values clear communication, organization, and exceptional service.”
— Dennis Palma, Google Review · 4.9 ★ avg from 1451 reviewsEquinox Home Financing is a California-based mortgage lender specializing in non-QM (non-qualified mortgage) loan programs for borrowers with unique income situations who can't qualify for traditional lending. Their team of licensed loan officers offers alternative financing solutions including DSCR rental property loans, bank statement loans, foreign national loans, 1099 contractor loans, and no-income verification loans. With a 4.9-star rating from 816+ Google reviews and operations across the United States, Equinox serves self-employed business owners, real estate investors, 1099 contractors, foreign nationals, and anyone with non-traditional income documentation.
Trusted Mortgage Capital is a full-service mortgage lender based in Irvine, CA, serving borrowers nationwide with a 4.9-star rating from 664+ reviews. They specialize in conventional, FHA, VA, and innovative non-QM loan programs including bank statement loans for self-employed borrowers, DSCR loans for investors, and fast-close options (14 days or less). Their team offers personalized service with dedicated loan officers who customize loan options for purchase, refinance, cash-out, and investment properties across 47+ licensed states.
Primary Partners Financial is a full-service mortgage brokerage based in Irvine, CA, serving clients nationwide. With a 4.9-star rating from 590+ Google reviews, their team specializes in home purchase loans, refinancing, and debt consolidation, offering access to multiple lenders to secure competitive rates tailored to each client's unique financial goals. They serve the Orange County area and beyond, providing personalized mortgage guidance with extended weekday hours and Saturday availability.
“I had an excellent experience working with Greg. He was incredibly patient, knowledgeable, and dedicated to making sure I had everything I needed, both in the loan terms and throughout the entire process. He took the time to walk me through each step, explained options clearly, and was always available to answer questions and address concerns. His guidance, honesty, and attention to detail made what could have been an overwhelming process feel smooth and manageable. I’m very grateful for his support and would highly recommend Greg to anyone looking for a mortgage.”
— Alex Berg, Google Review · 4.9 ★ avg from 588 reviewsARBOR Financial Group is a mortgage brokerage with a nationwide network of 400+ loan originators serving 45 states from their Santa Ana, CA headquarters. They specialize in purchase loans and refinancing with competitive rates and fast approvals. Known for clear communication and personalized guidance from application through closing, they've earned a 4.9-star rating from 278+ Google reviews. Their team handles everything from first-time homebuyers to complex refinancing scenarios across the country.
Pacific Mortgage Group is a full-service mortgage broker based in Corona, CA, serving clients across California, Florida, Washington, Colorado, and Oregon since 2006. Led by experienced loan officers including Khaled and James, the team specializes in FHA, VA, conventional, and specialty loans for first-time buyers, veterans, self-employed borrowers, and real estate investors. With access to wholesale rates from nationwide lenders and a 4.9-star rating from 269+ Google reviews, they provide personalized guidance from pre-qualification through closing, helping thousands of clients achieve homeownership with competitive rates and responsive service.
Purpose Funding is a mortgage brokerage based in Irvine, CA, led by experienced advisors like Kevin Soth, specializing in purchase loans, refinancing, cash-out refinances, HELOCs, and reverse mortgages. Known for fast funding timelines (typically under 25 days) and personalized rate comparisons, they serve homebuyers and homeowners throughout Orange County and beyond. With a 4.9-star rating from 225+ Google reviews, they're recognized for making complex mortgage processes simple and stress-free.
“Derek and Dan made the entire home buying process such a smooth and positive experience. Even though our escrow had its challenges, they guided us through every step with professionalism, patience, and expertise. I often called them late at night with questions, and they always made themselves available, which gave me so much peace of mind. Their communication was excellent, and they went above and beyond to make sure everything was handled properly. I’m truly grateful for their hard work and would highly recommend them to anyone looking for mortgage support.”
— Masood Noorzay, Google Review · 4.9 ★ avg from 225 reviewsVieira Mortgage Team is led by Jason Vieira (NMLS #850591, CA DRE #01881058), a former top-ranking sales manager at LendingTree and SunTrust Bank with extensive training in underwriting and tax return analysis. The team has served over 7,000 clients in Orange County and specializes in first-time homebuyers, jumbo loans up to $10M, bank statement qualification for self-employed borrowers, and creative financing solutions. They provide access to 30+ lenders with a guarantee of 30-day closings and complete rate/cost transparency.
The Insight Team at NEO Home Loans is a mortgage lending team serving Orange County, California, led by experienced loan officers specializing in residential financing. Known for their personalized approach to first-time homebuyers, refinancing, and jumbo loans, the team provides extended hours (7 AM–10 PM daily) to accommodate busy schedules. With a 4.9-star rating from 195+ Google reviews, they've built a reputation for responsive communication and navigating complex loan scenarios in the competitive Southern California market.
“When we recently met with our Realtor to begin a home search he told us that he referred 100% of his clients to the Ryan Grant team for home financing. We trusted our agent and we're glad we did because Ryan Grant and his team are the most professional, knowledgeable and caring group we could have hoped to work with for financing our new home. All of our questions were met with quick and thorough explanations and the entire escrow process could not have gone more smoothly. Ryan has built a team of mortgage all stars, and the best part is that they genuinely care! We will be Ryan Grant customers for life!”
— Greg Belleville, Google Review · 4.9 ★ avg from 195 reviewsAccelerated Home Loans is a Mission Viejo-based mortgage broker serving Orange County and surrounding Southern California. With access to 100+ wholesale lenders and a commitment to running on low profit margins, they specialize in finding the absolute lowest rates for purchase loans, refinances, VA loans, and DSCR investor loans. Led by a team of experienced loan officers including Ken Howard, Patrick Scanlan, and Erick Cisneros, they hold a 4.9-star rating from 190+ Google reviews and offer a $500 Lowest Rate Guarantee.
“Ken was excellent to work with throughout the mortgage process. He was professional, responsive, and took the time to clearly explain every step, which made everything stress-free and smooth. His knowledge and attention to detail gave us a lot of confidence. I highly recommend Ken to anyone looking for a reliable and trustworthy mortgage loan officer.”
— MD Tanim Hasan, Google Review · 4.9 ★ avg from 185 reviewsActivus Home Loans is a mortgage broker in Irvine, CA serving Southern California homebuyers and homeowners. They work with multiple lenders to provide competitive pricing on purchase loans, refinances, and cash-out refinances, eliminating the need to shop around at multiple banks. With a 4.9-star rating from 138+ Google reviews, Activus is known for fast closings, transparent communication, and guiding first-time buyers and investors through the entire mortgage process.
“I had a great experience with both Bradley and Vivian. We initially emailed to ask if it was a good time to refinance and we were on the phone the same day. In a matter of weeks, we had a new mortgage that is saving us over a thousand dollars a month. Bradley and Vivian were always available every step of the way and made the process as easy as possible. I'd highly recommend the Activus team.”
— Eric Bensley, Google Review · 4.9 ★ avg from 138 reviewsPrimeLending Irvine is a full-service mortgage branch backed by PlainsCapital Company, offering purchase loans, refinancing, renovation financing, and FHA loans throughout Orange County. Led by a team of experienced loan officers including Fay Hamadanchy (Production Manager, NMLS# 221329) and Farrah Farzaneh (NMLS# 1085106), the branch specializes in helping first-time buyers, move-up buyers, and homeowners looking to refinance or tap equity. With decades of combined local lending experience and a 5-star rating from 243+ Google reviews, they serve Irvine, CA and surrounding communities with a digital application process and hands-on support from application to close.
“Janet Demarco at Prime Lending was the absolute best! She went above and beyond to say the least to help us purchase a home! Always prompt, right on the mark with timelines, and in constant communication throughout the entire process! I would never ever go to anyone else for help other than her! Customer for life after that helpful service and guidance!”
— Eric Partida, Google Review · 5 ★ avg from 244 reviewsRed White & Blue Lending is a mortgage lender based in Tustin, CA, serving Orange County homebuyers and homeowners. They specialize in purchase loans, refinancing, cash-out refinances, and home equity products (HELOCs and home equity loans). With a perfect 5-star rating from 102+ Google reviews, they focus on personalized service and finding the right loan option for each client's unique situation.
“I had an outstanding experience working with Ellie Kane! From start to finish, she was supportive, responsive, and incredibly knowledgeable. Ellie took the time to walk me through every step of the mortgage process, making sure I fully understood my options and felt confident in each decision. What really stood out was her dedication to finding the best possible rate for my situation—far better than what I had seen elsewhere. Her communication was clear and consistent, and she was always available to answer questions, no matter how small. Thanks to her guidance, the process was smooth, efficient, and stress-free. I truly felt like I had someone in my corner the entire time. Highly recommend!”
— Sundeep Gurram, Google Review · 5 ★ avg from 102 reviewsMares Mortgage is the top-ranked mortgage broker in Irvine with a Lantern Score of 85.74/100 and a perfect 5-star rating from 804 reviews. Established in 1993, they are Orange County's #1 mortgage broker and the oldest on the West Coast, offering conventional, FHA, VA, and jumbo loan programs.
Several top-ranked brokers specialize in VA loans, including Mares Mortgage (#1, Lantern Score 85.74), Prime Mortgage (#2, 85.71), and Qualified Home Loans (#3, 85.66). Your Favorite Lenders (Lantern Score 85.27) and PrimeLending's Aliso Viejo branch (85.13) also offer dedicated VA loan services for military members and veterans.
All 30 mortgage brokers in Irvine serve first-time homebuyers, with top options including Mares Mortgage (Lantern Score 85.74), Prime Mortgage (85.71), and Qualified Home Loans (85.66). These brokers offer multiple loan programs including FHA and conventional options tailored to new homeowners.
New American Funding has the highest number of reviews with 7,714 customer ratings and a 4.9-star average (Lantern Score 84.13). They serve borrowers nationwide with conventional, FHA, VA, and jumbo mortgage options from their Santa Ana headquarters.
Top jumbo loan specialists include Mares Mortgage (Lantern Score 85.74), Qualified Home Loans (85.66), and Coastal Pacific Lending Inc. (85.58), all with 5-star ratings. These brokers have extensive experience with jumbo mortgages for high-value properties in Orange County.
Multiple Irvine-based refinancing specialists include Clear Mortgage Capital (Lantern Score 84.07), World Home Loans (84.63), and Trusted Mortgage Capital (83.97). All three are located in Irvine and offer competitive refinancing solutions to help homeowners lower payments or access home equity.