Low Cost · Downey
Cheap Mortgage Brokers in Downey, CA — Best Prices
Compare mortgage brokers prices in Downey to find the best deal. All businesses are reviewed — cheap doesn't mean low quality.
As of May 2026, RatingsNearMe ranks 17 mortgage brokers in Downey, CA by verified customer ratings and review volume. The highest-rated is EZ Fundings Inc. with a 5.0-star rating from 109 verified reviews. Also in the top tier: PRMG and 1st Choice Lending, Downey. The average rating across all listed mortgage brokers in Downey is 4.9 stars from 43 reviews per business on average.
Mortgage brokers in Downey: 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
17
Businesses listed
4.9★
Avg rating
43
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
EZ Fundings Inc.
8207 3rd St UNIT 102, Downey, CA 90241, USA
PRMG
8104 3rd St, Downey, CA 90241, USA
1st Choice Lending, Downey
8141 2nd St #603, Downey, CA 90241, USA
Mortgage Brokers Rankings in Downey, CA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | EZ Fundings Inc.8207 3rd St UNIT 102, Downey, CA 90241, USA | 5.0★ | 109 |
| #2 | PRMG8104 3rd St, Downey, CA 90241, USA | 5.0★ | 101 |
| #3 | 1st Choice Lending, Downey8141 2nd St #603, Downey, CA 90241, USA | 5.0★ | 79 |
| #4 | Downey Capital Mortgage8255 Firestone Blvd UNIT 110, Downey, CA 90241, USA | 4.9★ | 30 |
| #5 | Real Consultants Mortgage and Real Estate Services8141 2nd St #420, Downey, CA 90241, USA | 5.0★ | 30 |
| #6 | New World Mortgage - Direct Lender powered by APM10842 Paramount Blvd, Downey, CA 90241, USA | 5.0★ | 24 |
| #7 | Bryan Camacho - Mortgage Lender | Dream Home Funding3rd St #405, Downey, CA 90240, USA | 5.0★ | 55 |
| #8 | Nationwide Mortgage & Real Estate Advisors8043 2nd St #102, Downey, CA 90241, USA | 5.0★ | 8 |
| #9 | Elite Mortgage Pros8103 3rd St #1, Downey, CA 90241, USA | 4.8★ | 20 |
| #10 | Master Key Mortgage and Real Estate8043 2nd St #102, Downey, CA 90241, USA | 5.0★ | 1 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Downey
Downey Capital Mortgage
8255 Firestone Blvd UNIT 110, Downey, CA 90241, USA
Real Consultants Mortgage and Real Estate Services
8141 2nd St #420, Downey, CA 90241, USA
New World Mortgage - Direct Lender powered by APM
10842 Paramount Blvd, Downey, CA 90241, USA
Bryan Camacho - Mortgage Lender | Dream Home Funding
3rd St #405, Downey, CA 90240, USA
Nationwide Mortgage & Real Estate Advisors
8043 2nd St #102, Downey, CA 90241, USA
Elite Mortgage Pros
8103 3rd St #1, Downey, CA 90241, USA
Master Key Mortgage and Real Estate
8043 2nd St #102, Downey, CA 90241, USA
Powerhouse Mortgage, Inc.
9317 Firestone Blvd, Downey, CA 90241, USA
FirstClass Mortgage Inc
8136 2nd St, Downey, CA 90240, USA
Pillar Financial
8320 Florence Ave, Downey, CA 90240, USA
Jesus Olvera - Elite Mortgage Pros
8103 3rd St #1, Downey, CA 90241, USA
Derrell Aaron Barton - Sun West Mortgage NMLS 3277
8531 Florence Ave Suite 202, Downey, CA 90240, USA
Cesar Marin Home Loans
7847 Florence Ave, Downey, CA 90240, USA
Anthias Financial
8635 Florence Ave, Downey, CA 90240, USA
Get Free Quotes
We'll connect you with the top mortgage brokers in Downey, CA.
Frequently Asked Questions — Mortgage Brokers in Downey
What does a mortgage broker do differently than going directly to a bank in Downey?
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 Downey?
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 Downey
Related Searches
More ways to find mortgage brokers in Downey
Mortgage Brokers in nearby cities