When it comes to securing a mortgage, finding the right lender is crucial. In Irvine, CA, there are several reputable mortgage companies that offer a wide range of loan options to meet the diverse needs of homebuyers. In this article, we will explore the top 10 mortgage companies in Irvine, highlighting their key features and why they stand out in the industry.

1. Mares Mortgage

Mares Mortgage is rated first and recommended as the most convenient home loan option locally. With over two decades of experience, Mares Mortgage has built a solid reputation based on honesty, strong financing knowledge, and hands-on customer service. The company is family-owned and operated, with a core value of integrity and responsible lending practices. They provide access to conventional, commercial, and government loans, including FHA and VA loans. Mares Mortgage prides itself on transparency, offering competitive rates and personalized care through Certified Mortgage Planning Specialists. They utilize Loansifter, a web-based solution that allows them to search rates from over 175 banks nationwide, ensuring their clients receive the most competitive interest rates and underwriting.

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2. Movement Mortgage

This company is known for its referable experience and innovative mortgage process. They are the 7th biggest retail mortgage lender in the U.S. Their commitment to upfront underwriting and a 7-day loan processing goal differentiates them from competitors. Movement Mortgage employs over 3,500 people and has more than 750 branches nationwide. They are licensed in 49 states and have a strong commitment to giving back through their nonprofit organization, the Movement Foundation.

3. New American Funding

For those looking for a direct mortgage lender, New American Funding is a top contender. They are dedicated to helping families and individuals improve their quality of life through homeownership. Based in Orange County, California, New American Funding has grown to become a leader in the home loan industry.

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4. OneWest Bank

OneWest Bank, a division of CIT Bank, N.A., is committed to supporting the financial lives of its customers. With more than 60 retail branches in Southern California, they offer a full array of deposit and lending solutions for consumers and small businesses. OneWest Bank has been recognized as the “Best Bank, California” by MONEY Magazine for multiple years.

5. 1st Century Bank

The founders of 1st Century Bank in Los Angeles set out to establish a financial institution with exceptional service to its customers. They prioritize personal attention and commitment to the communities they serve. 1st Century Bank’s talented team is dedicated to the success of its clients, making its vision of exceptional client service a reality.

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6. Bank of Southern California

Bank of Southern California is a growing community commercial bank that offers a wide range of financial products to individuals, professionals, and small-to-medium-sized businesses. They are locally owned and managed, celebrating the entrepreneurial spirit of Southern California by providing personalized banking solutions to help businesses achieve their goals.

7. Zions Bank

Zions First National Bank has been a financial institution since 1873, making it one of the oldest in the Intermountain West. They provide traditional banking and innovative technology services through their network of full-service financial centers. Zions Bank is dedicated to supporting economic development in the communities they serve and is known for its local decision-making.

8. Guild Mortgage Company

Guild Mortgage Company was founded in 1960 in San Diego and has since established itself as an innovator in the industry. They aim to create partnerships for lasting success, combining the resources of large companies with the accessibility and soul of a small company. Guild Mortgage provides a wide range of home loan options and has a proven commitment to its customers and employees.

9. HomeStreet Bank

HomeStreet Bank is driven to enrich the lives of its customers and communities. They provide a consistent banking experience and prioritize human connections and authentic interactions. With a full range of banking services, HomeStreet Bank aims to build intentional relationships and offer financial expertise.

10. Bank of America

Bank of America is a major financial institution that provides numerous banking services, including mortgage loans. Bank of America has millions of individual and small business customers thanks to its extensive network of retail banking locations across the country. Their reach is vast, and their banking services are all-encompassing.

Criteria to Evaluate Mortgage Lenders

The process of choosing a mortgage lender can be intimidating and time-consuming. There are, however, some important factors to think about that can make the choice easier to make. The company’s fees and interest rates should be among your first considerations. Find out if the costs are clear and straightforward. Second, you should hire a company that has a proven history and helpful customer service. Research the company’s background and see what other customers have to say about their experiences with them. Evaluate your plans for the future with the loan terms offered by the company. Finally, go with a mortgage company that will assist you personally. If you keep these things in mind, you’ll be able to locate a mortgage lender who will facilitate a smooth and fruitful home-buying experience.

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Identifying Reliable Mortgage Lenders

When looking for a mortgage lender in Irvine, California, it’s important to look at more than just interest rates and fees. Mares Mortgage is the best Irvine mortgage lender because of its stellar reputation, exceptional customer service, openness, and breadth of loan options. Mares Mortgage is a great option for Irvine home buyers because of its dedication to honesty and fair lending practices, even though each of the other mortgage companies mentioned has its own advantages. Remember to thoroughly research and compare mortgage companies to find the one that best fits your specific needs and financial goals.

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