Areas served: San Francisco, CA and the greater Bay Area
San Francisco's mortgage landscape requires specialized expertise due to high property values, competitive markets, and unique financing challenges in both single-family homes and multi-unit buildings. This directory provides detailed profiles of mortgage brokers serving San Francisco and the Bay Area, including their loan program specialties, lender networks, and experience with jumbo loans, FHA financing, and investment properties. Each broker has been evaluated on rate competitiveness, closing timelines, communication quality, and knowledge of San Francisco's diverse neighborhoods from Pacific Heights to the Mission District.
Brady Thomas is a Senior Mortgage Advisor at LaSalle Mortgage with nearly 20 years of real estate experience, serving Oakland, CA and the Bay Area. A Brown University graduate and former Colliers International broker, Brady specializes in helping buyers secure competitive rates, win in tough markets, and access essential financial tools for long-term homeownership success. His dedicated team—including loan advisors, managers, and production assistants—provides comprehensive support from pre-approval through closing and beyond, ensuring clients receive ongoing guidance throughout their homeownership journey.
“To tell the truth, I wouldn’t work with any other team on a mortgage. FYI, you shouldn’t either. This team is always friendly, lightning fast, helpful, professional, and they just go way above and beyond across the board. I’ve used them 3 times and it’s always been a delight.”
— Shira Kates, Google Review · 5 ★ avg from 452 reviewsLoankea is a digital mortgage company based in Corte Madera, CA, led by experienced loan officers including Konstantin, who specialize in complex financing scenarios. They offer unique mortgage products for self-employed borrowers, investors, foreign nationals, and first-time buyers through a fully online platform that connects clients to 300+ wholesale lenders. With a 5.0-star rating from 265+ Google reviews and 866+ reviews on Experience.com, they're known for finding solutions when traditional banks say no—from bank statement loans to DSCR investor financing.
“We contacted several real estate brokers, but only received rejections. Only Inga Kolesnikova was able to help us get a home loan! We had a somewhat complicated situation with our tax income, but Inga showed true professionalism and found a solution where others gave up. Thank you so much for your hard work and our new home! We highly recommend her, especially if you have a non-standard situation.”
— Alisher Iusupaliev, Google Review · 5 ★ avg from 265 reviewsVic Joshi's Straight Deal Mortgage is an independent mortgage brokerage in Oakland led by Vic Joshi, an award-winning consultant with over 28 years in the industry (since 1997). Licensed across 7 states including California, Colorado, Florida, Hawaii, Oregon, Texas, and Washington, Vic specializes in helping first-time buyers, military veterans, self-employed borrowers, and those with challenging credit situations secure financing. Unlike big-bank loan officers, Vic provides personalized guidance and realistic rate quotes tailored to each client's unique circumstances, serving the Bay Area with a 5-star rating from 222+ Google reviews.
“I had a great experience refinancing with Vic and his team! They were super helpful, kept me updated and made the whole process smooth and easy. Highly recommend them if you’re looking for a hassle-free refinance!”
— Satinder Parmar, Google Review · 5 ★ avg from 222 reviewsChris Freck leads EstaR Mortgage in Alameda, CA, a licensed mortgage brokerage specializing in purchase loans, refinancing, and reverse mortgages for Bay Area homebuyers. With a 5-star rating from 208+ Google reviews and a reputation for closing loans in as little as 6 days, Chris and his team are known for transparent rates, personalized service, and guiding first-time buyers and seniors through complex financing situations. As a Certified Senior Advisor, Chris brings specialized expertise to reverse mortgages and senior-focused home financing.
“We worked with Chris Freck as our mortgage broker, and I honestly can’t say enough good things about the experience. From day one, Chris took the time to walk us through every option in a way that actually made sense. We never felt rushed or talked down to—he made sure we understood the pros and cons of each choice so we could make the best decision for our family. What really impressed us was how much Chris genuinely cared about our concerns. Any time we had a question (and we had a lot), he was patient, thoughtful, and quick to respond. There were several moments where he went out of his way to help us navigate things we didn’t even realize we needed to think about. Chris did more than what anyone could reasonably expect from a broker. He checked in regularly, kept us updated on every step, and made what could have been a stressful process feel manageable. It’s rare to work with someone who’s not only great at their job but clearly invested in doing right by their clients. We’re incredibly grateful for all of Chris’s support and would recommend him without hesitation to anyone looking for someone trustworthy and truly on your side.”
— Gareth Lee, Google Review · 5 ★ avg from 208 reviewsReliance Financial is a mortgage brokerage in Dublin, CA led by Lucky Sandhu and loan officer Scott Wise, serving California, Texas, and Colorado homebuyers. With a perfect 5.0-star rating from 187 Google reviews and 15+ years of client relationships, they specialize in first-time homebuyer programs, refinancing, and securing rates consistently below market averages. Their team offers extended 7-day availability and white-glove service that turns clients into family, with comprehensive guidance from pre-approval through closing.
“Scott was fantastic to work with throughout the entire mortgage process. He was extremely communicative, always keeping me updated and making sure I understood every step along the way. I also really appreciated how flexible he was whenever questions came up or timing shifted. Most importantly, he was very upfront and transparent, which made the whole experience feel straightforward and stress-free. I’d absolutely recommend Scott to any friends or family looking for a mortgage broker.”
— Jonathan Shahvar, Google Review · 5 ★ avg from 186 reviewsPeter Barnes is a Branch Manager and Loan Advisor at CrossCountry Mortgage in Berkeley, CA (NMLS #239580) with extensive experience helping first-time homebuyers, investors, and refinancers navigate the mortgage process. His team specializes in conventional, FHA, VA, USDA, and jumbo loans, with personalized service that has earned a perfect 5.0-star rating from 160+ clients. Serving Berkeley, North Berkeley, Albany, El Cerrito, and surrounding areas, Peter focuses on making homeownership dreams accessible through down payment assistance programs, competitive rates, and fast closings.
“Peter, Holly, Gabby, Kristen and the entire Cross Country Mortgage team are incredibly professional and we can’t recommend them highly enough. They guided us through the entire process of securing the best products for two transactions recently, steering us through the roadblocks until we speedily closed. Most important, their approach is to educate and inform - every question was immediately and respectfully addressed - by phone and through email and their portal. Thank you, Peter and team!”
— Elaine Migliore Cannon, Google Review · 5 ★ avg from 160 reviewsMike Koran at Primary Residential Mortgage, Inc. is a San Francisco-based loan officer with over 20 years of experience and more than $1 billion in funded loan volume. He specializes in purchase loans, refinancing, and down payment assistance programs like California's Dream For All, serving buyers across California, Washington, Nevada, Texas, Florida, and Ohio. With a 5.0-star rating from 155+ Google reviews, Mike is known for guiding clients through complex mortgage scenarios with personalized service and creative problem-solving.
“Knowing that my buyers are pre approved by Primary Residential Mortgage, Mike Koran and Andrew Karcher is like seeing them standing on the podium, in the middle receiving the Gold. YES! We win. We will close on time. With all the stresses that go along with selling homes, it’s so calming to know that my buyers loan is secure. Go ahead and remove that loan contingency because our loan IS SET! I can’t say enough great things about Mike & Andrew. THEY ARE THE BEST! Trina Y Brown, Coldwell Banker, 25 years.🏠”
— Trina Y Brown, Google Review · 5 ★ avg from 155 reviewsGolden Gate Lending Group is California's leading bridge loan specialist, helping homeowners buy their next home before selling their current one. With over 30 years of experience, $1B+ in funded loans, and 500+ clients served, they offer owner-occupied bridge loans, fix-and-flip financing, and hard money bridge loans throughout California. Their streamlined process and expert team enable fast closings—often within 14-15 days—allowing buyers to make competitive non-contingent offers and avoid the stress and expense of moving twice.
Xpert Home Lending, founded by Chris Granger in 2012, specializes in simplifying the mortgage process through education-focused guidance. With over 1,000 loans closed, Chris helps first-time homebuyers, seasoned investors, and everyone in between navigate purchases, refinances, VA loans, and rent-vs-buy decisions using his signature spreadsheet tools and step-by-step education approach. The team prioritizes excellent communication and accessibility, walking clients through every detail of the mortgage process with confidence and clarity.
Clear2Close Brokers, led by owner and mortgage broker Paul Olbrantz (NMLS #468647), specializes in home purchase loans, refinancing, and cash-out refinances for clients in the Novato area. The team offers fast pre-approvals, personalized rate quotes, property evaluations, and rate comparisons to help borrowers find the best mortgage terms and secure funding in under 30 days. Their streamlined digital application process and free online tools make it easy for homebuyers and refinancers to compare options and move quickly on their real estate goals.
Dane Moler is Division President at Primary Residential Mortgage, Inc., a mortgage lender serving the San Rafael area and greater North Bay region. With access to multiple lenders and loan programs, Primary Residential Mortgage specializes in helping homebuyers find the right financing solution, from first-time buyer programs to refinancing and jumbo loans. Dane brings experienced leadership to the team's commitment to personalized service and competitive rates.
Home Loans by Evelyn Chong is a mortgage brokerage in Pinole, CA led by Evelyn Chong, a loan officer with over 20 years of experience specializing in FHA loans and first-time homebuyers. Evelyn has built a reputation for helping families across generations achieve homeownership, with many original clients now returning for their children's first home purchases. Operating under Next Gen Home Loans, she provides personalized service, clear communication, and expert guidance throughout the entire loan process, serving the San Francisco Bay Area.
“I highly recommend Evelyn for your mortgage loan needs. She was very helpful with our mortgage loan in 2022 and is helping us again for another home loan. She is an incredible and patient person and answers all of your questions. My favorite part about working with her is that she responds to inquiries immediately and is always available. The first time we worked with her she was able to get us preapproved the same day on a weekend and afterhours which made us realize just how hard working she is. We hope to work with her for all future transactions because she truly is the best!”
— Luz Villanueva, Google Review · 5 ★ avg from 61 reviewsGeneral Mortgage Capital Corporation (GMCC) operates a full-service mortgage brokerage in Burlingame, CA, serving San Mateo County and surrounding Bay Area communities. With a 4.9-star rating from 385+ Google reviews, GMCC specializes in jumbo loans, foreign national mortgages, self-employed financing, and investment property loans. Their experienced brokers offer personalized guidance through pre-approval to closing, with access to tailored loan products for first-time buyers, luxury home purchasers, and real estate investors throughout the Peninsula.
“During the three months it took me to buy my house, Amanda Liu dedication and patience deeply impressed and touched me. Thanks to Amanda Liu trust and support, I finally bought the house I wanted and that truly belongs to me! She is the most trustworthy and respectable person! This is largely due to her work attitude and abilities, her responsibility towards clients, and her patience and meticulousness. I will recommend Amanda Liu to my friends and family who are looking to get a mortgage to buy a house. 👍👍👍 Thank you again, Amanda Liu! ❤️”
— Lian Wu, Google Review · 4.9 ★ avg from 385 reviewsFresh Home Loan is led by Garrick Werdmuller, an independent mortgage broker serving the San Francisco East Bay with expertise in California's complex lending market. Specializing in purchase loans, refinancing, home equity, and first-time buyer programs, the team has helped hundreds of local clients navigate financing for homes in Oakland, Alameda, Berkeley, Castro Valley, and Pleasanton. With a 5-star rating from 57 Google reviews and 24/7 availability, they focus on personalized service and treating every client's transaction like their own.
“Garrick has been amazing. It was a much simpler process than with other mortgage brokers I worked with. He explained my options clearly and honestly. And he was always helpful, including years after my refi when it came to tracking down a title history. You can't go wrong with Fresh Home Loan.”
— Eric Bahm, Google Review · 5 ★ avg from 57 reviewsSonoma Home Loans is a mortgage lending specialist serving Sonoma County and surrounding areas with over 25 years of combined experience. Led by Ted Aanestad, the team offers a full range of mortgage solutions including home purchases, refinancing, FHA loans, VA loans, jumbo loans, conventional mortgages, HELOCs, cash-out refinancing, adjustable-rate mortgages, and reverse mortgages. They emphasize personalized service, local market expertise, and transparent communication throughout the loan process, positioning themselves as a long-term partner rather than just a lender.
Steven Hook is a San Francisco-based mortgage advisor specializing in residential and commercial lending. He offers purchase mortgages, refinancing, and custom loan solutions for first-time homebuyers, experienced investors, and commercial real estate clients. With $350M in loans funded and a 10-day average closing time, Steven combines competitive rates with personalized service and deep expertise in navigating complex financing scenarios.
Barrett Financial Group, led by mortgage broker Janice Carroll, specializes in home purchase loans, refinancing, and debt consolidation for borrowers throughout California. They offer access to thousands of mortgage products including conforming loans, jumbo loans, FHA, VA, and USDA loans with terms ranging from 5 to 30 years. Known for personalized service and thorough rate shopping, they help first-time buyers and refinancing clients secure favorable terms and save on interest.
Impact Home Loans Inc is a Walnut Creek mortgage lender founded in 2019, specializing in competitive rates by comparing offers from over 50 lenders. They serve first-time homebuyers, real estate investors, and refinancing clients across California, with expertise in FHA, VA, USDA, jumbo loans, and rehab financing. With a 5-star rating from 48 Google reviews, they're known for combining low overhead pricing with personalized customer service and fast pre-approvals.
Rob Spinosa is a Mortgage Loan Originator (NMLS #22343) at U.S. Bank serving the Larkspur area and surrounding communities. He specializes in helping homebuyers and refinancers find the right mortgage products for their unique situations, offering guidance on purchase mortgages, refinancing options, and answering questions about affordability and loan types. With access to U.S. Bank's full range of mortgage products and resources, Rob works directly with buyers, builders, and real estate agents to provide personalized financing solutions.
Alberto Zamudio is a mortgage loan consultant with New American Funding who specializes in helping homebuyers find the right loan for their situation. Based in Burlingame, he offers competitive pricing on home loans and provides personalized customer service to guide borrowers through the mortgage process. His focus is on matching clients with loan options that fit their specific financial circumstances.
The Mortgage Outlet is a family-owned mortgage broker and lender serving California, Colorado, Oregon, and Washington. They specialize in creative loan programs for tech employees (RSU Income Loans), self-employed borrowers (Bank Statement Loans), and first-time buyers in high-cost areas, with closings as fast as 10 days and no application or processing fees.
“Jerry helped my husband and I purchase our first home. His communication and patience were beyond what we expected. The home buying process is stressful but with Jerry on our side we felt capable and prepared with proceeding at our pace. He answered all of our questions, gave insightful advice, and was very easy to reach when we needed him. Highly recommend the Mortgage Outlet for their expertise and care for their customers.”
— Fabi Peterson, Google Review · 4.9 ★ avg from 143 reviewsSELFi is a fintech mortgage company offering personalized home financing guidance through direct conversations with licensed loan officers. While currently inactive for new mortgage origination, the company connects borrowers directly with experienced mortgage professionals like Joseph Flannery (NMLS 791180) for tailored financing advice and solutions. SELFi specializes in making complex mortgage decisions more accessible through straightforward, pressure-free consultations.
Wayne Wilson leads the Wayne Wilson Mortgage Team at loanDepot, a national mortgage lender offering a full range of home loan solutions including conventional, FHA, VA, and jumbo mortgages. Based in Petaluma, the team specializes in helping borrowers find competitive rates and flexible loan options tailored to their financial situation. With access to loanDepot's extensive lending products and technology platform, they guide clients through the entire mortgage process from pre-approval to closing.
America's Home Loans is a Santa Rosa-based mortgage broker serving all of Sonoma County with access to dozens of wholesale lenders, offering competitive pricing unavailable to the general public. Led by experienced loan officers including a certified VA Mortgage Broker, they specialize in conventional, FHA, VA, jumbo, reverse, construction, and specialty loans for self-employed and investor clients. Their human-first approach combines state-of-the-art technology with direct access to loan officers—no automated systems—and they provide comprehensive guidance from pre-approval through closing for first-time buyers, refinancers, and borrowers with complex financial situations.
Home Loans by Orlando is led by Orlando Diaz, a Senior Loan Advisor serving San Francisco, Marin, and the greater Bay Area. Specializing in home purchase loans, refinancing, and cash-out refinances, Orlando provides personalized mortgage solutions with fast funding timelines and streamlined pre-qualification processes. With a perfect 5.0-star rating from 37 Google reviews, the practice is known for hands-on guidance through every step of the mortgage process for buyers, refinancers, and homeowners across San Francisco County, Marin County, Alameda County, Contra Costa County, San Mateo County, Sonoma County, and Santa Clara County.
Guarantee Mortgage is a California-based mortgage banker serving homebuyers and homeowners for over 20 years from their San Francisco office. Unlike traditional banks limited to their own loan products, they provide access to multiple loan options from numerous lenders, helping clients navigate refinancing, first-time home purchases, and reverse mortgages. Their team of experienced loan officers is known for personalized service, competitive rates, and guiding clients through complex financing scenarios.
Julie Malta with Guarantee Mortgage (NMLS #254124) is a mortgage banker serving California homebuyers for over 20 years. Unlike traditional banks, Guarantee Mortgage shops your loan request to multiple lenders locally and nationwide, giving you access to a wider range of loan products and rates. The team specializes in home purchases, refinances, and reverse mortgages, and is known for personalized guidance through complex financing scenarios.
SunnyHill Financial is a residential mortgage lender based in San Francisco specializing in VA loans, FHA loans, conventional mortgages, and refinancing. With over 50 years of combined mortgage experience, they serve clients across 23 states with a focus on streamlined processes, transparent communication, and faster-than-average closings. The team specializes in first-time home buyers and complex VA mortgage transactions, offering personalized rate quotes and side-by-side loan comparisons to help clients find the best financing option.
Larry Martinez is an independent mortgage broker serving the North Bay with over a decade of experience in residential lending. Operating from San Rafael, he specializes in helping borrowers navigate loan options, secure competitive rates, and achieve fast pre-approval. As an NMLS-licensed professional, Martinez works with multiple lenders to provide personalized solutions for first-time buyers, refinancers, and those seeking VA or FHA financing.
Sean Byrne is a mortgage advisor at ProMortgage with over a decade of experience in residential lending. Previously a Private Mortgage Banker at Wells Fargo where he originated up to $170 million in annual loan volume, Sean now works directly with Bay Area clients to help them secure financing for home purchases and refinances. Based in San Francisco, he brings personalized service and deep industry expertise to guide borrowers through the mortgage process.
Pinnacle Home Loans is a mortgage brokerage serving the Bay Area with expertise in home purchases, refinancing, and specialized lending for self-employed business owners and renovation projects. Based in Novato with a corporate office in San Ramon, they offer a range of loan products including fixed-rate, adjustable-rate, and jumbo loans, with a personalized approach that emphasizes guidance before, during, and after closing.
Mary Jo Lafaye is a reverse mortgage specialist serving seniors in the San Rafael area and beyond. Working with Mutual of Omaha, one of the nation's largest reverse mortgage lenders, she helps homeowners 62+ tap into their home equity without selling or making monthly payments. Mary Jo provides personalized guidance through the entire process, from initial consultation to closing, helping seniors understand their options and access funds for retirement, healthcare, or other needs.
Marin Mortgage Brokers is an independent mortgage brokerage serving the North Bay and Greater Bay Area. They connect borrowers with multiple lenders to find the best mortgage rates and terms for their specific financial situation, offering services including conventional loans, FHA loans, VA loans, and refinancing options. Their personalized approach and access to a network of lenders help homebuyers and existing homeowners secure financing that fits their goals.
Mortgage Connection is an independent mortgage lender based in South San Francisco specializing in home loans for Bay Area borrowers. They offer a range of loan products including conventional, FHA, VA, and jumbo loans, with personalized service to help clients navigate the mortgage process. Their experienced team focuses on competitive rates and fast pre-approval to get borrowers ready for their home purchase.
The Regan Team Home Loan Group is a mortgage lender based in Petaluma serving the North Bay and beyond. Led by experienced loan officers, they specialize in helping borrowers secure financing for home purchases and refinancing with personalized service and competitive rates. They work with first-time homebuyers, investors, and homeowners seeking to refinance, offering access to multiple loan programs including conventional, FHA, VA, and jumbo loans.
Splitrock Mortgage Advisors is an independent mortgage brokerage based in San Anselmo, serving the North Bay and surrounding regions. They specialize in connecting borrowers with multiple lenders to secure competitive loan terms for home purchases, refinances, and debt consolidation. With access to a diverse network of lenders and a commitment to personalized service, Splitrock helps clients navigate the mortgage process with transparent guidance and tailored solutions.
Presto Home Loans, Inc. is a mortgage lender based in Daly City offering comprehensive home financing solutions to borrowers throughout the Bay Area. They specialize in fast pre-approval processes and work with borrowers of all credit profiles to find competitive loan options. Their team focuses on simplifying the mortgage application process and providing personalized service to help clients achieve homeownership.
Brady Thomas at LaSalle Mortgage is the top-ranked mortgage broker in San Francisco with a Lantern Score of 85.61/100 and a 5-star rating from 452 reviews. With nearly 20 years of real estate experience, Brady specializes in helping first-time homebuyers, competitive market buyers, and homeowners refinancing.
Loankea (Lantern Score: 85.41/100) specializes in non-traditional loan programs and is particularly well-suited for self-employed borrowers, business owners with complex tax structures, and real estate investors. They're a digital-first mortgage lender based in Corte Madera with a 5-star rating from 265 reviews.
Golden Gate Lending Group (Lantern Score: 84.73/100) is California's leading bridge loan specialist with over 30 years of experience and $1B+ in funded loans. They help homeowners buy their next home before selling their current one and are ideal for luxury home buyers and real estate investors in competitive markets.
Vic Joshi's Straight Deal Mortgage (Lantern Score: 85.32/100) explicitly specializes in serving military veterans alongside first-time homebuyers and self-employed professionals. With an award-winning consultant who has over 25 years of home loan experience, they earned a 5-star rating from 222 reviews.
Mary Jo Lafaye at Mutual of Omaha Reverse Mortgage (Lantern Score: 80.85/100) is a reverse mortgage specialist serving seniors 62 and older in the San Rafael area and beyond. She works with Mutual of Omaha, one of the nation's largest reverse mortgage lenders, and has a 5-star rating from 21 reviews.
Chris Granger at Xpert Home Lending (Lantern Score: 84.39/100) founded the company in 2012 specifically to simplify the mortgage process through education-focused guidance. With over 1,000 loans closed and a 5-star rating from 82 reviews, he helps first-time homebuyers understand their options transparently.