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 May 2026, RatingsNearMe ranks 10 mortgage brokers in Berkeley, CA by verified customer ratings and review volume. The highest-rated is Faramarz Moeen-Ziai at CrossCountry Mortgage with a 5.0-star rating from 89 verified reviews. 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 May 17, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
10
Businesses listed
5★
Avg rating
31
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Faramarz Moeen-Ziai at CrossCountry Mortgage
2987 College Ave, Berkeley, CA 94705, USA
Erick Byrd at CrossCountry Mortgage
1577 Solano Ave, Berkeley, CA 94707, USA
Chris Mason - Residential and Commercial Mortgage Broker
6500 Fairmount Ave Suite 12, El Cerrito, CA 94530, USA
Mortgage 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 | MPR Financial1320 Solano Ave Suite 201, Albany, CA 94706, USA | 5.0★ | 6 |
| #5 | Demi Michelle Medeiros - Preferred Rate2820 College Ave Unit 3, Berkeley, CA 94705, USA | 4.9★ | 13 |
| #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 | Jason Wizelman at Cornerstone Home Lending1801 University Ave Unit 1 - Suite 1A, Berkeley, CA 94703, USA | 5.0★ | 8 |
| #9 | Erick Berthaldan - Guaranteed Rate1400 Shattuck Ave. Suite 1, Berkeley, CA 94709, USA | 5.0★ | 18 |
| #10 | Mortgage Brokerage California - Lanny Clark - C2 Financial Corporation828 San Pablo Ave STE 220A, Albany, CA 94706, USA | 5.0★ | 11 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Berkeley
MPR Financial
1320 Solano Ave Suite 201, Albany, CA 94706, USA
Demi Michelle Medeiros - Preferred Rate
2820 College Ave Unit 3, Berkeley, CA 94705, USA
David Byrd at CrossCountry Mortgage
1577 Solano Ave, Berkeley, CA 94707, USA
Oak Leaf Funding
1580 Solano Ave Suite D, Albany, CA 94707, USA
Jason Wizelman at Cornerstone Home Lending
1801 University Ave Unit 1 - Suite 1A, Berkeley, CA 94703, USA
Erick Berthaldan - Guaranteed Rate
1400 Shattuck Ave. Suite 1, Berkeley, CA 94709, USA
Mortgage Brokerage California - Lanny Clark - C2 Financial Corporation
828 San Pablo Ave STE 220A, Albany, CA 94706, USA
Get Free Quotes
We'll connect you with the top mortgage brokers in Berkeley, CA.
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.
Mortgage Brokers in Nearby Cities
Compare top-rated mortgage brokers in cities near you.
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: May 17, 2026.
More Home Services in Berkeley
Related Searches
More ways to find mortgage brokers in Berkeley
Mortgage Brokers in nearby cities