Low Cost · Huntington Beach
Cheap Mortgage Brokers in Huntington Beach, CA — Best Prices
Compare mortgage brokers prices in Huntington Beach to find the best deal. All businesses are reviewed — cheap doesn't mean low quality.
As of May 2026, RatingsNearMe ranks 18 mortgage brokers in Huntington Beach, CA by verified customer ratings and review volume. The highest-rated is Mares Mortgage with a 5.0-star rating from 805 verified reviews. Also in the top tier: Optimum First Mortgage and Summit Home Lending. The average rating across all listed mortgage brokers in Huntington Beach is 4.9 stars from 165 reviews per business on average.
Mortgage brokers in Huntington Beach: 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
18
Businesses listed
4.9★
Avg rating
165
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Mares Mortgage
32172 Camino Capistrano Suite A, San Juan Capistrano, CA 92675, USA
Optimum First Mortgage
7755 Center Ave 9th Floor, Huntington Beach, CA 92647, USA
Summit Home Lending
17011 Beach Blvd Suite 1100, Huntington Beach, CA 92647, USA
Mortgage Brokers Rankings in Huntington Beach, CA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Mares Mortgage32172 Camino Capistrano Suite A, San Juan Capistrano, CA 92675, USA | 5.0★ | 805 |
| #2 | Optimum First Mortgage7755 Center Ave 9th Floor, Huntington Beach, CA 92647, USA | 4.8★ | 749 |
| #3 | Summit Home Lending17011 Beach Blvd Suite 1100, Huntington Beach, CA 92647, USA | 4.9★ | 324 |
| #4 | Homeowners Mortgage and Equity, Inc17011 Beach Blvd Suite 900-826, Huntington Beach, CA 92647, USA | 5.0★ | 19 |
| #5 | Jackie Barikhan - Summit Lending18281 Gothard St #203, Huntington Beach, CA 92648, USA | 5.0★ | 140 |
| #6 | Brighter Lending8092 Warner Ave, Huntington Beach, CA 92647, USA | 5.0★ | 158 |
| #7 | J&J COASTAL LENDING - JOHN A SORICELLI JR214 5th St Unit 202, Huntington Beach, CA 92648, USA | 5.0★ | 112 |
| #8 | New American Funding - Huntington Beach, CA20422 Beach Blvd #100, Huntington Beach, CA 92648, USA | 4.9★ | 88 |
| #9 | Revival Lending17011 Beach Blvd #510, Huntington Beach, CA 92647, USA | 5.0★ | 118 |
| #10 | BuyWise Mortgage2130 Main St #290, Huntington Beach, CA 92648, USA | 5.0★ | 130 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Huntington Beach
Homeowners Mortgage and Equity, Inc
17011 Beach Blvd Suite 900-826, Huntington Beach, CA 92647, USA
Jackie Barikhan - Summit Lending
18281 Gothard St #203, Huntington Beach, CA 92648, USA
Brighter Lending
8092 Warner Ave, Huntington Beach, CA 92647, USA
J&J COASTAL LENDING - JOHN A SORICELLI JR
214 5th St Unit 202, Huntington Beach, CA 92648, USA
New American Funding - Huntington Beach, CA
20422 Beach Blvd #100, Huntington Beach, CA 92648, USA
Revival Lending
17011 Beach Blvd #510, Huntington Beach, CA 92647, USA
BuyWise Mortgage
2130 Main St #290, Huntington Beach, CA 92648, USA
The Mortgage Hub
5882 Bolsa Ave Ste #250, Huntington Beach, CA 92649, USA
Pacific Coast Funding
419 Main St #367, Huntington Beach, CA 92648, USA
Loan Factory, You First Realty
17191 Erwin Ln, Huntington Beach, CA 92647, USA
Eric Gausepohl - Summit Lending
2130 Main St Suite 110, Huntington Beach, CA 92648, USA
The Wright Loans
2130 Main St #250, Huntington Beach, CA 92648, USA
PB Lending
5200 Warner Ave #102, Huntington Beach, CA 92649, USA
Pacific One Lending and Real Estate
18377 Beach Blvd Ste 210, Huntington Beach, CA 92648, USA
American VA Loans
20422 Beach Blvd #105, Huntington Beach, CA 92648, USA
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Frequently Asked Questions — Mortgage Brokers in Huntington Beach
What does a mortgage broker do differently than going directly to a bank in Huntington Beach?
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 Huntington Beach?
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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