Top 7 Best Mortgage Lenders in Irvine
Getting your first home or looking for your next home can both be exciting and nerve-wracking experiences! Finding the right one usually is the exciting half before you get to what to do about finances. Finding a mortgage company can be a bit intimidating, especially if you’re a first-time homebuyer or you’re in a city as big as Irvine where there can be so many options that you don’t know who to choose. TopResearched is there to help cut down on your stress and save you the time of spending hours searching. With our Top Mortgage Companies list for the area in and around Irvine, you’ll know exactly the mortgage companies that stand above the rest and that deserve your attention when it comes to your future home plans.
Browse Top Mortgage Lenders in Irvine, California below.
Advertising Disclosure
TopResearched.com is a professional review site that may receive compensation from the companies whose products and services we review. The views and opinions expressed on this page are purely those of the editors and staff of TopResearched.com.
- Reputation: Good
- Experience: 35+ Years of Combined Experience
- # of Loan Types: 6 including Jumbo Loans, VA Loans, and Fixed-Rate Mortgages
- Accessibility: A (Phone Number, Email, Online Form)
365 Home Lending
With a focus on trying to make the mortgage financing process as easy as possible for clients, 365 Home Lending helps home buyers both new and experienced with low down payment requirements and even financing options for clients with bad credit history. They offer loan options such as Adjustable-Rate Mortgages (ARM), Fixed-Rate Mortgages, and Jumbo Loans. They believe in the benefits of transparency, and to help provide peace of mind to every client, they even offer a zero-obligation quote.
- Reputation: Excellent!
- Experience: 8+ Years
- Awards:
7 Including Inside Mortgage Finance’s Top 10 Lender Award for 2017, 2018, and 2019 - # of Loan Types: 3 including Conventional Loans, FHA Loans, and VA Loans
- Accessibility: B (Phone Number, Online Form)
AmeriHome Mortgage Company, LLC.
The people at AmeriHome Mortgage Company know well that some home buyers may want to get their dream home fast, which is why they can help you get pre-qualified in as quick as 24 hours by the next business day! But they’re more than just helping you on your way to getting a mortgage—they give every client the personal attention they need to make sure they get the best loan possible whether it be a Conventional Loan, an FHA Loan, or a VA Loan. With their focus on customer education and transparency in the process, AmeriHome Mortgage wishes to see every customer make the best decision on every loan.
- Reputation: Excellent!
- Experience: 100+ Years of Combined Experience
- # of Loan Types: 13 including Conventional Loans, VA Loans, and FHA Loans
- Accessibility: C (Phone Number)
Direct Finance
For clients needing loan solutions for their residential and commercial properties, Direct Finance presents a whole plethora of financing solutions from Conventional Loans and FHA Loans to VA loans and even Energy Efficiency Loans. For first-time home buyers, they even have dedicated programs and loan officers to ensure that your mortgage and home buying process goes as smoothly as possible. Need help finding down payment assistance programs? They can even help you with that!
- Reputation: Good
- Experience: 40+ Years
- # of Loan Types: 24 including New Loans, Refinance Loans, and Deeds of Trust
- Accessibility: B (Phone Number, Fax, and Email)
Diversified Mortgage Co.
Specializing in services ranging from Deeds of Trust to New Loan Financing, Diversified Mortgage believes in providing a personalized financing solution for every client. For more than 40 years, Diversified Mortgage has been keeping to the same practice of giving their clients great value but with small business attention, so that customers feel valued and so that they know that they’re in good hands.
- Reputation: Good
- Experience: 20+ Years
- # of Loan Types: 4 including Conventional Loans, VA Loans, and Jumbo Loans
- Accessibility: A (Phone Number, Online Application, Email)
Loanleaders of America
At Loanleaders of America, they pride themselves on finding better rates for homebuyers both old and new. When you’re looking for that dream house and you’re trying to find the best mortgage rate possible, Loanleaders of America can help whether it’s for a Conventional Loan, VA Loan, or an FHA Loan. They can also help with financing your renovation projects and investment properties. Consult with them about whether they can help find you a better rate offer before you commit to a mortgage!
- Reputation: Excellent!
- Experience: 112+ Years of Business
- # of Loan Types: 6 including Conventional Loans, USDA Loans, and VA Loans
- Accessibility: A (Phone Number, Email, Online Application Form)
Mutual of Omaha Mortgage – Irvine
Mutual of Omaha believes in creating relationships with its clients to ensure that their mortgage choices are the best fit for their home needs. Led by Eli Stella, the Irvine Branch Manager, Mutual of Omaha in Irvine believes in taking the time to understand their customers so that their mortgages carry through with the least hassle from start to finish. They offer solutions from Conventional Loans and VA Loans to USDA Loans and ARM Loans. With so many options, they’ll make sure your financial plans are met!
- Reputation: Excellent!
- Experience: 30+ Years
- Awards:
2019 Scotsman Guide Magazine’s Top 10 Purchase Lenders - # of Loan Types: 9 including Jumbo Loans, FHA Loans, and Conventional Loans
- Accessibility: B+ (24/7 Email, Phone Number)
PrimeLending, A PlainsCapital Company
PrimeLending provides a vast selection of financial solutions for clients looking to purchase their first home or refinance. From Fixed-Rate Mortgages and VA Loans to Cash-Out Refinance, customers at PrimeLending not only have the options (PrimeLending boasts 400 options!), but they’ll have a Fortune Magazine recognized team with more than 30 years of experience to help them decide on which of those options best fits their needs. They also believe in customer education to further enhance their clients and their mortgage experience, so that every visit to PrimeLending leads to a better future!
More About Mortgage Lenders in Irvine, CA
Homes in California can be expensive, and when you see your dream home you know that you’re going to want to have the financial means to get it. Unless you’ve the cash in hand to outright buy a house, typically one of those financial solutions involves getting a mortgage. But there are innumerable mortgage lenders out there, and no two are ever alike. Some might not offer competitive interest rates, and a fair number may not be looking out for your best interests. To help counter this and help your homebuying experience be a little easier, TopResearched has brought together its team of researchers to find and gather the top mortgage companies in and around Irvine, so that you can spend less time searching and keep your home buying process moving along.
Getting a mortgage loan can be a bit of a puzzle to solve since there are so many options out there now. Different mortgage companies will have different kinds of loans available for you to choose from. Some of these loans can include VA Loans, FHA Loans, USDA Loans, and Conventional Loans. But even if a mortgage company has the right option for, it’ll be hard to know until you really sit down and talk to them. It is important to make sure that the mortgage’s payments will be sustainable under your budget and that the mortgage lender is trying to look out for you and your goals—that’s why TopResearched has sorted out the best from the rest here in Irvine.
With the heavily curated lists of TopResearched, homebuyers both new and old can find the right mortgage lender without having to spend hours or days searching when they could instead be making the steps to getting the home of their dreams. We use rigid research criteria in order to determine who deserves to be on our lists and even then, we filter them further to find the best of the best for you. Everyone deserves to find the home of their dreams, let TopResearched do the hard work of finding the mortgage lenders that are going to get you there!
/ Locations / California / Irvine / Mortgage Lenders
The TopResearched Selection Process
We find the industry experts in your area through a double-selection process of research, comparison, and verification. During the first stage, we gather the experts based on a single industry in your area that match our preliminary standards. Then, for the second stage, we use our stringent rating criteria to begin further separating the highest ranked from the rest collected. This helps make sure that you’re only seeing the best of the best industry experts in your area!
Here’s a breakdown of the rating criteria that our researchers use to sort the best from the rest before placing them into our curated lists:
Reputation
From average review scores to client stories and service results, we determine the trustworthiness and reliability.
Experience
We verify that the experts you’re working with are truly experienced in their field and have the expertise to meet your needs.
Awards and Qualifications
Some local experts stand above the rest because of their accomplishments, knowledge and education.
Accessibility
An industry expert that cares is one that’s there for you. We search for every means that an industry expert may be contacted.
Industry-Specific
Depending on the industry that you’re looking for, we also analyze your local experts based on industry-specific factors.
Compare Providers
Browse through curated list of industry-specific TopResearched selected local expert providers, ready for you to contact.
Frequently asked questions
Browse through related frequently asked questions curated by the TopResearched team.
How Long Can It Take to Get a Mortgage?
Typically, during non-busy periods of the year, it can take around 30 days to get a mortgage if you include the steps of pre-approval, home appraisal, and finally getting the loan that you need. Busier times of the year, however, can extend that period of time to as long as 60 days, so it is best to be prepared in the case that your wait time goes to the longer ranges.
What Does Your Reputation Metric Mean?
One of our important rating metrics is the mortgage company’s Reputation. This measures the company’s trustworthiness, their level of customer service, and their average review scores. With that information gathered, we can then grade them on a scale of Excellent, Good, Average, and Bad. That way we can indicate to our readers how confident we are that this is a mortgage company that’s looking out for your best interests and your future.
What is Pre-Approval for a Mortgage? How Long Does It Take?
Pre-approval is when a mortgage lender believes that you and your credit will be fit for a mortgage loan. However, this doesn’t make it a certainty, it’s more like a vote of confidence, which can be helpful when a home seller is looking for a pre-approval letter/notice. As for the process’s timeframe, it usually takes around one to three days, although it can sometimes take as long as 10 business days.
Are Experience and Awards Important?
Yes! A mortgage company with years of experiences shows that they’ve been successful enough to sustain themselves and establish a lasting rapport with the community. What’s more, they will likely have better insights into what mortgages are the best fit for each kind of client. Though awards are rare, a mortgage company with awards means they have performed excellently enough to draw the attention of the public voices and organizations of the industry. A mortgage company with awards can mean exemplary customer service and a better experience for you!