10+ Years · Chula Vista
Experienced Mortgage Brokers in Chula Vista, CA
Experience matters. These mortgage brokers in Chula Vista have years of proven work behind them — and the reviews to back it up.
As of May 2026, RatingsNearMe ranks 19 mortgage brokers in Chula Vista, CA by verified customer ratings and review volume. The highest-rated is Andre Enriques Mortgage Banker - VA Loan Expert with a 5.0-star rating from 202 verified reviews. Also in the top tier: Patriot Home Loans and Rocket Mortgage Chula Vista. The average rating across all listed mortgage brokers in Chula Vista is 5 stars from 73 reviews per business on average.
Mortgage brokers in Chula Vista: 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
19
Businesses listed
5★
Avg rating
73
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Andre Enriques Mortgage Banker - VA Loan Expert
891 Kuhn Dr #204, Chula Vista, CA 91914, USA
Patriot Home Loans
823 Anchorage Pl, Chula Vista, CA 91914, USA
Rocket Mortgage Chula Vista
3450 Bonita Rd Suite 108, Chula Vista, CA 91910, USA
Mortgage Brokers Rankings in Chula Vista, CA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Andre Enriques Mortgage Banker - VA Loan Expert891 Kuhn Dr #204, Chula Vista, CA 91914, USA | 5.0★ | 202 |
| #2 | Patriot Home Loans823 Anchorage Pl, Chula Vista, CA 91914, USA | 4.9★ | 151 |
| #3 | Rocket Mortgage Chula Vista3450 Bonita Rd Suite 108, Chula Vista, CA 91910, USA | 5.0★ | 192 |
| #4 | Mortgage Heroes873 Anchorage Pl, Chula Vista, CA 91914, USA | 4.9★ | 149 |
| #5 | Brandon Martinez 24/72536 Catamaran Way, Chula Vista, CA 91914, USA | 5.0★ | 11 |
| #6 | David Matranga - Mortgage By Matranga690 Otay Lakes Rd #230, Chula Vista, CA 91910, USA | 5.0★ | 75 |
| #7 | Tyler Lindsay Forward Mortgage542 15th St, San Diego, CA 92101, USA | 5.0★ | 92 |
| #8 | Aldo Lomeli | Mortgage Broker2088 Otay Lakes Rd Suite 201, Chula Vista, CA 91915, USA | 5.0★ | 5 |
| #9 | Eric Mitchell - Discount Mortgage AI333 H St Suite 5000, Chula Vista, CA 91910, USA | 5.0★ | 17 |
| #10 | Brenda Herrera Mortgage Loan Officer, NMLS #20158542434 Fenton St Ste 300, Chula Vista, CA 91914, USA | 5.0★ | 13 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Chula Vista
Brandon Martinez 24/7
2536 Catamaran Way, Chula Vista, CA 91914, USA
David Matranga - Mortgage By Matranga
690 Otay Lakes Rd #230, Chula Vista, CA 91910, USA
Tyler Lindsay Forward Mortgage
542 15th St, San Diego, CA 92101, USA
Aldo Lomeli | Mortgage Broker
2088 Otay Lakes Rd Suite 201, Chula Vista, CA 91915, USA
Eric Mitchell - Discount Mortgage AI
333 H St Suite 5000, Chula Vista, CA 91910, USA
Brenda Herrera Mortgage Loan Officer, NMLS #2015854
2434 Fenton St Ste 300, Chula Vista, CA 91914, USA
Team DPA at Western Capital Mortgage
2088 Otay Lakes Rd Suite 201, Chula Vista, CA 91915, USA
Rate Republic Mortgage
690 Otay Lakes Rd #230, Chula Vista, CA 91910, USA
Hayley Shams - Mortgage Consultant
860 Kuhn Dr # 106, Chula Vista, CA 91914, USA
i2i Real Estate and Mortgage, Inc.
821 Kuhn Dr Ste. 210, Chula Vista, CA 91914, USA
American Mortgage Network
347 3rd Ave 2nd floor, Chula Vista, CA 91910, USA
The LoanFather - Steven Tavera
2434 Fenton St Ste 300, Chula Vista, CA 91914, USA
Mortgage Experts
637 Third Ave Suite D, Chula Vista, CA 91910, USA
Guild Mortgage - Lily Navarro
2060 Otay Lakes Rd #250, Chula Vista, CA 91913, USA
MR MORTGAGE CORPORATION
1061 Tierra Del Rey, Chula Vista, CA 91910, USA
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Frequently Asked Questions — Mortgage Brokers in Chula Vista
What does a mortgage broker do differently than going directly to a bank in Chula Vista?
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 Chula Vista?
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: May 17, 2026.
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