Top Rated California mortgage broker

California Mortgage Broker

Key Topics In This Article: Top Rated Broker | Reasons Why A Broker Is Better | Compensation | Mortgage Broker FAQs | How To Contact Us

A California mortgage broker is someone with access to wholesale mortgage rates who works on behalf of a homebuyer or homeowner to secure funding for the purchase of a home or to refinance a current mortgage.

Working with a California mortgage broker enables you, the borrower, to focus on things that are more important. Generally speaking, mortgage brokers are more experienced, efficient, and knowledgeable compared to their counterparts working for traditional banks and direct lenders.

We Are A Top Rated California Mortgage Broker

I work for JB Mortgage Capital, Inc., a top-rated California mortgage broker. I specialize in providing industry-low mortgage rates, fast closings, and exceptional service. I’m 100% focused on you, the customer.

From the loan application to closing, you’ll work directly with me the entire time. This ensures a better experience for you and a more efficient loan process.

Do You have a question or need a quote?

Contact Kevin

Low rates, fast closings, and exceptional service.

Reasons To Use A California Mortgage Broker

Here are some of the main reasons to use a California mortgage broker.

  • Low fees
  • Low rates
  • Flexibility
  • Expert Advice
  • Faster Closings
  • Customer Focused
  • Better Educated And More Experienced

Working with a California mortgage broker gives the homebuyer or homeowner the options they need for a successful transaction.

Low Fees

We all want low fees for obvious reasons, and generally, you’ll find that when working with a top-rated California mortgage broker. There are all types of fees associated with a mortgage transaction. These fees include;

  • Lender fees
  • Loan origination fees
  • Third-party fees

The key to low fees is asking your loan officer for a breakdown of the total fees and asking them to list the total amount of fees being charged for everything.

Low Rate

Since California mortgage brokers can work with multiple wholesale lending sources, you are more likely to get a low rate with a top-rated California mortgage broker than with a traditional bank that relies on name recognition to get your business.

Banks offer one set of rates; a top-rated California mortgage broker can offer many different low-rate rate options since they have access to more than one wholesale lending source.


Let’s say you went to your local bank to apply for a new home loan, and they came back and said sorry, we can’t get you approved. What’s next? Banks have almost no flexibility compared to the flexibility of a California mortgage broker.

Excellent credit to bad credit, primary residence to multi-unit rentals, from less than 5% down to 20%+ down; a mortgage broker in California can meet the financial needs of their diverse client base, and if needed, they also can move their client to a new lender without missing a beat.

Expert Advice

Are you a first-time homebuyer looking for expert advice on purchasing your first home? Or maybe you are a seasoned investor looking for interest rate market analysis to ensure maximum profitability on your next rental.

Either way, you’ll want to work with a California mortgage broker that has a top rating with the Better Business Bureau, Zillow, and more. Having expert advice from an experienced professional with extensive industry knowledge will enable you to have a more successful transaction.

Faster Closings

Try asking a bank to close in two to three weeks and see what the response is. A top-rated California mortgage broker has the ability to offer faster closings. And they know which sources to use to make it happen. Some banks take 45 – 60 days to close a loan application even when loan volume is not that high.

Over the years, mortgage brokers have become much more efficient than banks and continue to find ways to make the loan process easier for their clients.

Customer Focused

Being customer-focused is at the heart of a top-rated California mortgage broker. That’s why you’ll find a more personalized experience, better response times, and faster closings with a mortgage broker.

Most people who are mortgage brokers are “go-getters” who enjoy the challenge of finding the best loan program for their clients. Client satisfaction is very important to a mortgage broker, so don’t be surprised if the person you’re working with offers suggestions and ways to obtain the best possible loan to meet your financial goals.

Better Educated And More Experienced

This benefit will upset those working for banks, but it’s true. Generally speaking, a mortgage broker is better educated about the different lenders and loan products in the current market environment and is more experienced working within that environment.

Competition is good for consumers, and when you work with a mortgage broker, multiple lenders compete for your business, and all the work falls on the mortgage broker to find you the best possible terms.

How Do Mortgage Brokers Get Paid?

There are two ways a mortgage broker in California gets paid;

  • The lender pays them
  • The borrower pays them

This is commonly called “Lender Paid” and “Borrower Paid” within the industry. When it’s a Lender Paid transaction, it’s a fixed amount or a fixed percentage amount the mortgage broker and the lender have agreed upon before your loan application is submitted.

Also, that fixed amount is in place for at least a three-month period, and all loan applications submitted to that lender (from the mortgage broker) must have the exact same compensation amount.

A Borrower Paid transaction is when the fee to the mortgage broker is added to the closing costs, and that fee is agreed upon at the time of application and loan submission.

Can a mortgage broker get paid from both the lender and the borrower?

No, it’s either one or the other. Prior to the Great Financial Crisis of 2008, mortgage brokers were able to split their compensation between both the lender and the borrower. However that has all changed, and under current regulations, a mortgage broker cannot do this, they must get compensated in full by either the borrower or the lender.

California Mortgage Broker FAQs

Here are the most frequent California mortgage broker FAQs.

Do Mortgage Brokers Charge More Than Banks?

No, that’s a myth. A top-rated California mortgage broker does not have the benefit of a client base the way a traditional bank does, so they have to work harder to earn your business.

But don’t take my word for it; compare Loan Estimates from several banks and several mortgage brokers, and you’ll see that mortgage brokers do not charge more.

Do Mortgage Brokers Run Your Credit A Bunch Of Times?

No, another big myth about working with a mortgage broker in California.

A mortgage broker will obtain your credit report after you apply, and 95%+ of the time, that is the only time they will pull your credit report, even if they send your application to five different lenders. These lenders will accept the one credit report the mortgage broker obtained.

At closing, a lender may obtain an updated credit report if, for example, the original credit report in the file has expired (credit reports are good for up to 90-120 days).

Do You have a question or need a quote?

Contact Kevin

Low rates, fast closings, and exceptional service.

What’s The Best Way To Find A Top Rated California Mortgage Broker?

That’s the million-dollar question with an easy answer: use the tools you have to find a top-rated California mortgage broker, such as the Better Business Bureau, Zillow, and/or Yelp. Verify license information with the California DRE and the consumer NMLS site.

This takes ten to fifteen minutes, and the extra work to find a reputable mortgage broker in California could save you thousands of dollars.

How To Contact Us

Loan Officer Kevin O’Connor


Contact Kevin

JB Mortgage Capital, Inc.

16310 Porter Ave., Riverside, CA 92504

8:30 am – 5:30 PM Monday – Friday

9:00 am – 3:30 PM Saturday

Closed Sunday

Helping Homeowners Achieve Their Dreams

I have over 17 years of experience, and I’ve helped thousands of homeowners throughout California. Low rates, fast closing, and exceptional service, are not just a slogan but something I focus on every day.

If you’re tired of the call centers being passed off from one person to the next, then I’m the person you’ll want to work with. I never pass a client off to another person, and you work directly with me from beginning to end. CA DRE #01499872 / NMLS #247447

Loan Officer Kevin O'Connor

About The Author

Loan Officer Kevin O'Connor has over 17 years of experience as a Mortgage Loan Originator and is a trusted resource for mortgage education and information. He's licensed by the state of California and the Nationwide Mortgage Licensing System. He has a top rating with the Better Business Bureau, Google, Yelp, and Zillow. You can contact him at 1-800-550-5538. CA DRE #01499872 / NMLS #247447