Why San Diego Residents Trust Our Mortgage Brokers Directory
San Diego has 19 verified mortgage brokers with an average rating of 4.9 stars. Our directory lists only verified professionals with proven track records in the San Diego metro area, helping you find trusted experts without the guesswork.
San Diego Mortgage Brokers Market Snapshot
- 19 verified providers in the San Diego area
- Average rating: 4.9/5
- Top-rated: West Coast Funding Team of E Mortgage Capital
What to Look for in a Mortgage Brokers in San Diego
A mortgage broker shops your loan among multiple lenders and can find rates and programs that a single bank cannot offer. Ask whether they are paid by you, the lender, or both — and get the Loan Estimate compared across at least two scenarios. Broker relationships with niche lenders are particularly valuable for self-employed borrowers, investors, or those with non-traditional income.
Average Costs in San Diego
In San Diego, expect to pay Broker fee: 1%–2% of loan amount (often paid by lender). Costs vary based on case complexity, experience level, and demand. Many mortgage brokers offer free initial consultations — take advantage of these to compare professionals before committing.
When to Hire a Mortgage Brokers
Consult a mortgage broker when you're 3–6 months from wanting to buy a home, when you want to refinance, or when a bank has turned you down. Pre-approval is free and helps you understand exactly what you can afford before making offers.