Low Cost · Berkeley
Cheap Mortgage Brokers in Berkeley, CA — Best Prices
Compare mortgage brokers prices in Berkeley to find the best deal. All businesses are reviewed — cheap doesn't mean low quality.
As of July 2026, RatingsNearMe ranks 10 mortgage brokers in Berkeley, CA by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Faramarz Moeen-Ziai at CrossCountry Mortgage with a 5.0-star rating from 89 Google reviews and an RNM Score of 83/100. Also in the top tier: Erick Byrd at CrossCountry Mortgage and Chris Mason - Residential and Commercial Mortgage Broker. The average rating across all listed mortgage brokers in Berkeley is 5 stars from 31 reviews per business on average.
Mortgage brokers in Berkeley: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated July 4, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
David Byrd at CrossCountry Mortgage
David Byrd is consistently ranked as a top mortgage broker in Berkeley, known for his expertise and client satisfaction.
Most Reviewed
David Byrd at CrossCountry Mortgage
A high number of reviews indicates a strong track record of client trust and experience in the local market.
When choosing a mortgage broker in Berkeley, consider both online reviews and personal referrals, and ensure the broker has experience with local housing market conditions and loan programs.
Local Market Snapshot
10
Businesses listed
5★
Avg rating
31
Avg reviews
Jul 4, 2026
Last updated
Top Rated Mortgage Brokers
Holds an exceptional 5.0-star rating across dozens of Google reviews.
2987 College Ave, Berkeley, CA 94705, USABerkeley mortgage broker with a perfect 5.0★ rating from 63 Google reviews.
1577 Solano Ave, Berkeley, CA 94707, USARated 4.9 stars from 58 reviews, this Berkeley mortgage broker is highly trusted.
6500 Fairmount Ave Suite 12, El Cerrito, CA 94530, USAMortgage Brokers Rankings in Berkeley, CA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Faramarz Moeen-Ziai at CrossCountry Mortgage2987 College Ave, Berkeley, CA 94705, USA | 5.0★ | 89 |
| #2 | Erick Byrd at CrossCountry Mortgage1577 Solano Ave, Berkeley, CA 94707, USA | 5.0★ | 63 |
| #3 | Chris Mason - Residential and Commercial Mortgage Broker6500 Fairmount Ave Suite 12, El Cerrito, CA 94530, USA | 4.9★ | 58 |
| #4 | Mortgage Brokerage California - Lanny Clark - C2 Financial Corporation828 San Pablo Ave STE 220A, Albany, CA 94706, USA | 5.0★ | 11 |
| #5 | Erick Berthaldan - Guaranteed Rate1400 Shattuck Ave. Suite 1, Berkeley, CA 94709, USA | 5.0★ | 18 |
| #6 | David Byrd at CrossCountry Mortgage1577 Solano Ave, Berkeley, CA 94707, USA | 5.0★ | 27 |
| #7 | Oak Leaf Funding1580 Solano Ave Suite D, Albany, CA 94707, USA | 5.0★ | 14 |
| #8 | Demi Michelle Medeiros - Preferred Rate2820 College Ave Unit 3, Berkeley, CA 94705, USA | 4.9★ | 13 |
| #9 | Jason Wizelman at Cornerstone Home Lending1801 University Ave Unit 1 - Suite 1A, Berkeley, CA 94703, USA | 5.0★ | 8 |
| #10 | MPR Financial1320 Solano Ave Suite 201, Albany, CA 94706, USA | 5.0★ | 6 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Berkeley
5.0 stars from 11 Google reviews, reflecting exceptional client satisfaction.
828 San Pablo Ave STE 220A, Albany, CA 94706, USA
Trusted Berkeley mortgage broker with a perfect 5.0★ rating from 18 Google reviews.
1400 Shattuck Ave. Suite 1, Berkeley, CA 94709, USA
Boasts a perfect 5.0-star rating from 27 Google reviews.
1577 Solano Ave, Berkeley, CA 94707, USA
Trusted Berkeley mortgage broker with a perfect 5.0★ rating from 14 reviews.
1580 Solano Ave Suite D, Albany, CA 94707, USA
Earned a near-perfect 4.9-star rating from 13 Google reviews.
2820 College Ave Unit 3, Berkeley, CA 94705, USA
Proudly serving Berkeley with a perfect 5.0-star rating from 8 Google reviews.
1801 University Ave Unit 1 - Suite 1A, Berkeley, CA 94703, USA
Boasts a perfect 5.0-star rating from 6 Google reviews.
1320 Solano Ave Suite 201, Albany, CA 94706, USA
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Mortgage Brokers in Berkeley, CA — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Faramarz Moeen-Ziai at CrossCountry Mortgage | 83/100 | 5.0 ★ | 89 |
| 2 | Erick Byrd at CrossCountry Mortgage | 81/100 | 5.0 ★ | 63 |
| 3 | Chris Mason - Residential and Commercial Mortgage Broker | 79/100 | 4.9 ★ | 58 |
| 4 | Mortgage Brokerage California - Lanny Clark - C2 Financial Corporation | 72/100 | 5.0 ★ | 11 |
| 5 | Erick Berthaldan - Guaranteed Rate | 74/100 | 5.0 ★ | 18 |
| 6 | David Byrd at CrossCountry Mortgage | 76/100 | 5.0 ★ | 27 |
| 7 | Oak Leaf Funding | 73/100 | 5.0 ★ | 14 |
| 8 | Demi Michelle Medeiros - Preferred Rate | 71/100 | 4.9 ★ | 13 |
| 9 | Jason Wizelman at Cornerstone Home Lending | 70/100 | 5.0 ★ | 8 |
| 10 | MPR Financial | 69/100 | 5.0 ★ | 6 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · July 2026
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Frequently Asked Questions — Mortgage Brokers in Berkeley
What does a mortgage broker do differently than going directly to a bank in Berkeley?
A broker shops your loan across multiple lenders — banks, credit unions, and non-bank lenders — to find the best rate and terms for your situation. Going to one bank limits you to their products. Brokers are typically paid 1–2% of the loan amount by the lender (disclosed upfront on your Loan Estimate). For buyers who don't fit a standard profile (self-employed, complex income, non-QM situations), a broker's lender access is particularly valuable.
How do I compare mortgage rates in Berkeley?
Get a Loan Estimate (federally required within 3 business days of application) from at least 3 lenders. Compare APR — not just the interest rate — because APR includes fees and gives you a truer cost comparison. Also compare origination fees, points, and closing costs. On a $350,000 loan, even a 0.25% rate difference costs about $17,000 over 30 years.
What credit score do I need to get a mortgage in CA?
Conventional loans (Fannie/Freddie): 620+ minimum, best rates at 740+. FHA loans: 580+ with 3.5% down, or 500–579 with 10% down. VA loans (veterans): no official minimum, typically 620+ in practice. USDA loans (rural areas): typically 640+. Higher scores unlock meaningfully better rates — even a 20-point difference can save thousands annually.
What is the difference between a mortgage broker and a loan officer?
A loan officer works for one lender (bank, credit union, or mortgage company) and can only offer that lender's products. A broker is independent and accesses dozens of lenders. A bank loan officer may have faster approvals and more streamlined processes for straightforward cases. A broker adds more value for complex income situations, credit challenges, or when rate comparison matters most.
How are the mortgage brokers on this page ranked?
Rankings use a transparent algorithm: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Featured Partner listings have paid for enhanced visibility but must still earn their position through real customer reviews — sponsored listings are clearly labeled.
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How Rankings Work on This Page
Every mortgage brokers on RatingsNearMe is scored transparently: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Businesses labeled exclusive or premium are Featured Partners — they have paid for enhanced visibility but must still rank through real customer reviews. We cap sponsored boosts so bad businesses can never buy the top spot.
Editorial notice: Ratings are based on publicly available data from Google Business listings. Consumers should independently verify licensing, insurance, and credentials before hiring any service provider. Last updated: July 4, 2026.
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