Same Day · San Jose
Same-Day Mortgage Brokers in San Jose, CA
Can't wait a week? These mortgage brokers in San Jose offer same-day or next-day appointments. Call now to check availability.
As of May 2026, RatingsNearMe ranks 17 mortgage brokers in San Jose, CA by verified customer ratings and review volume. The highest-rated is Loan Factory - We Dare You to Compare with a 5.0-star rating from 4,785 verified reviews. Also in the top tier: Googain and Wonder Rates. The average rating across all listed mortgage brokers in San Jose is 5 stars from 415 reviews per business on average.
Mortgage brokers in San Jose: 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
5★
Avg rating
415
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Loan Factory - We Dare You to Compare
2195 Tully Rd, San Jose, CA 95122, USA
Googain
1288 Kifer Rd STE 208, Sunnyvale, CA 94086, USA
Mortgage Brokers Rankings in San Jose, CA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Loan Factory - We Dare You to Compare2195 Tully Rd, San Jose, CA 95122, USA | 5.0★ | 4,785 |
| #2 | Googain1288 Kifer Rd STE 208, Sunnyvale, CA 94086, USA | 5.0★ | 945 |
| #3 | Wonder Rates621 Tully Rd #125, San Jose, CA 95111, USA | 4.9★ | 256 |
| #4 | Rosie Hong Pham - Mortgage Loan Officer621 Tully Rd #125, San Jose, CA 95111, USA | 4.9★ | 28 |
| #5 | California Capital Mortgage99 S Almaden Blvd #600, San Jose, CA 95113, USA | 5.0★ | 18 |
| #6 | Stephen Wong - Bayone Reic1754 Technology Dr STE 108, San Jose, CA 95110, USA | 4.7★ | 24 |
| #7 | First Stop Mortgage Corporation2114 Senter Rd STE 11, San Jose, CA 95112, USA | 4.9★ | 77 |
| #8 | Chris Johnson - Assoc. Broker for Affinity Mortgage NMLS #2350722542 S Bascom Ave STE 185, Campbell, CA 95008, USA | 5.0★ | 68 |
| #9 | Bobby Saadieh - Mortgage Loan Officer - Loan Depot17500 Depot St, Morgan Hill, CA 95037, USA | 5.0★ | 88 |
| #10 | Todd Flesner | Strategic Mortgage Advisor – CrossCountry Mortgage1080 Minnesota Ave Ste 1, San Jose, CA 95125, USA | 5.0★ | 14 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in San Jose
Rosie Hong Pham - Mortgage Loan Officer
621 Tully Rd #125, San Jose, CA 95111, USA
Stephen Wong - Bayone Reic
1754 Technology Dr STE 108, San Jose, CA 95110, USA
First Stop Mortgage Corporation
2114 Senter Rd STE 11, San Jose, CA 95112, USA
Chris Johnson - Assoc. Broker for Affinity Mortgage NMLS #235072
2542 S Bascom Ave STE 185, Campbell, CA 95008, USA
Bobby Saadieh - Mortgage Loan Officer - Loan Depot
17500 Depot St, Morgan Hill, CA 95037, USA
Todd Flesner | Strategic Mortgage Advisor – CrossCountry Mortgage
1080 Minnesota Ave Ste 1, San Jose, CA 95125, USA
Jason Shi
2051 Junction Ave STE 237, San Jose, CA 95131, USA
Mortgage Magic
1625 The Alameda UNIT 310, San Jose, CA 95126, USA
Help U Lend
2268 Senter Rd Suite 166A, San Jose, CA 95112, USA
InstaMortgage Inc.
4100 Moorpark Ave #221, San Jose, CA 95117, USA
Esther Chien Mortgage - The Loan Story
4880 Stevens Creek Blvd # 200, San Jose, CA 95129, USA
Mission San Jose Mortgage
2111 W March Ln # B200, Stockton, CA 95207, USA
The Mortgage Outlet
200 N Almaden Blvd Suite 200, San Jose, CA 95110, USA
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Frequently Asked Questions — Mortgage Brokers in San Jose
What does a mortgage broker do differently than going directly to a bank in San Jose?
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 San Jose?
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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