Top Picks · Sunnyvale
Best Mortgage Brokers in Sunnyvale, CA
Rated and reviewed by real customers. Compare prices, read reviews, and call the top pros near you — for free.
As of May 2026, RatingsNearMe ranks 8 mortgage brokers in Sunnyvale, CA by verified customer ratings and review volume. The highest-rated is Max Bottaro Mortgage Loan Officer PNC Bank with a 5.0-star rating from 91 verified reviews. Also in the top tier: Katie Kim, Mortgage loan officer and Kimmie Vo - Chase Home Lending Advisor - NMLS ID 407542. The average rating across all listed mortgage brokers in Sunnyvale is 5 stars from 34 reviews per business on average.
Mortgage brokers in Sunnyvale: 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
8
Businesses listed
5★
Avg rating
34
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Max Bottaro Mortgage Loan Officer PNC Bank
19620 Stevens Creek Blvd Suite 220, Cupertino, CA 95014, USA
Katie Kim, Mortgage loan officer
Googain, Inc, 1288 Kifer Rd STE 208, Sunnyvale, CA 94086, USA
Kimmie Vo - Chase Home Lending Advisor - NMLS ID 407542
20573 Stevens Creek Blvd, Cupertino, CA 95014, USA
Mortgage Brokers Rankings in Sunnyvale, CA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Max Bottaro Mortgage Loan Officer PNC Bank19620 Stevens Creek Blvd Suite 220, Cupertino, CA 95014, USA | 5.0★ | 91 |
| #2 | Katie Kim, Mortgage loan officerGoogain, Inc, 1288 Kifer Rd STE 208, Sunnyvale, CA 94086, USA | 5.0★ | 54 |
| #3 | Kimmie Vo - Chase Home Lending Advisor - NMLS ID 40754220573 Stevens Creek Blvd, Cupertino, CA 95014, USA | 5.0★ | 49 |
| #4 | Nathalie B Vuong - 459844 - Wells Fargo Home Mortgage333 W El Camino Real, Sunnyvale, CA 94087, USA | 5.0★ | 37 |
| #5 | Max Real - Aksh Pal - Realtor And Loan Officer1288 Kifer Rd STE 208, Sunnyvale, CA 94086, USA | 5.0★ | 9 |
| #6 | SV Commercial Lending -Marty Lefton Strategic Commercial Mortgage Broker/Owner10873 Northoak Square, Cupertino, CA 95014, USA | 5.0★ | 1 |
| #7 | Angela Zhao Mortgage Loan Officer PNC Bank19620 Stevens Creek Blvd Suite 220, Cupertino, CA 95014, USA | 5.0★ | 22 |
| #8 | Mobile Home Mortgages1270 Lawrence Station Rd suite c, Sunnyvale, CA 94089, USA | 5.0★ | 5 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Sunnyvale
Nathalie B Vuong - 459844 - Wells Fargo Home Mortgage
333 W El Camino Real, Sunnyvale, CA 94087, USA
Max Real - Aksh Pal - Realtor And Loan Officer
1288 Kifer Rd STE 208, Sunnyvale, CA 94086, USA
SV Commercial Lending -Marty Lefton Strategic Commercial Mortgage Broker/Owner
10873 Northoak Square, Cupertino, CA 95014, USA
Angela Zhao Mortgage Loan Officer PNC Bank
19620 Stevens Creek Blvd Suite 220, Cupertino, CA 95014, USA
Mobile Home Mortgages
1270 Lawrence Station Rd suite c, Sunnyvale, CA 94089, USA
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Frequently Asked Questions — Mortgage Brokers in Sunnyvale
What does a mortgage broker do differently than going directly to a bank in Sunnyvale?
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 Sunnyvale?
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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