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  1. United States
  2. Top Mortgage Brokers
  3. Mortgage Brokers in California
  4. Modesto

Top Mortgage Brokers In Modesto

Modesto Mortgage Brokers stats: Key insights from this page’s listings Updated
Businesses listed
10
Average rating
5.0 1170 reviews
Typical service price
$100 – $500 Median of 11 priced services
Most-offered services
Home Loan ServicesFinancial AdviceCustomer SupportMarket AnalysisHome Loans
What customers praise
recommend×23highly recommend×13very professional×3very knowledgeable×2
Mortgage brokerModesto, CA

1

Next Gen Home Loans

Next Gen Home Loans specializes in culturally informed, bilingual mortgage guidance tailored to diverse communities, including Latino families. Their team offers personalized support through fixed and adjustable-rate mortgage options, with clients appreciating clear communication and advocacy throughout the home-buying process. Some find the process detailed but well explained.

Services & Prices
First-Time Home Buyer Loan $10 - $20
Loan Consultation $50 - $100
Loan Processing $200 - $500
Budgeting Guidance $30 - $60
View Profile
(209) 653-0638
Open 8:00 AM - 5:00 PM
909 15th St #1, Modesto, CA 95354
General Services
Home Loan Services
2

Alex The Lender

Known for a fast and patient approach, Alex The Lender helps clients navigate the mortgage process with clear communication and support. The team specializes in pre-approvals and guiding first-time homebuyers through each step. Customers appreciate the friendly, knowledgeable service and responsiveness, even during late hours.

View Profile
(209) 756-6479
Open 8:00 AM - 5:00 PM
1718 H St, Modesto, CA 95354
3

Academy Mortgage - Modesto

Known for patient guidance and clear communication, Academy Mortgage - Modesto helps first-time homebuyers navigate the mortgage process with professionalism and care. The team offers personalized mortgage solutions and is appreciated for making the experience smoother and less stressful. Some customers note the process can take time, but the support remains consistent throughout.

View Profile
(209) 809-2312
Open 8:30 AM - 5:00 PM
1001 Sylvan Ave Bldg B, Modesto, CA 95350
4

Ed Parcaut - Mortgage Broker - Lending For Living

Ed Parcaut - Mortgage Broker - Lending For Living specializes in VA loans with a focus on clear communication and a smooth lending process. The team assists with purchase and refinance loans, often praised for responsiveness and thorough explanations. Some customers note the process can take time, but appreciate the consistent updates and support throughout.

Services & Prices
Conventional Loan $3000 - $5000
FHA Loan $3000 - $5000
VA Loan $3000 - $5000
Cash-Out Refinance $2500 - $4000
View Profile
(209) 846-9270
Open 8:00 AM - 5:00 PM
121 Rue De Yoe, Modesto, CA 95354
General Services
Home Loans
5

NorCal Mortgage

NorCal Mortgage specializes in connecting clients with competitive wholesale mortgage rates through an online, boutique approach. They assist first-time buyers, investors, and those refinancing by offering a wide range of loan options and personalized guidance. Customers appreciate their clear communication and responsiveness, though the fully online process may feel less hands-on for some.

Services & Prices
Fixed Rate Mortgage $2000 - $3000
Adjustable Rate Mortgage $2500 - $4000
FHA Loans $3000 - $5000
Rate and Term Refinance $1500 - $3000
View Profile
(800) 579-3768
Closed Now
1127 13th St A, Modesto, CA 95354
General Services
Home Purchase Loans
Where they are 10 on the map Click a pin for the profile and directions
6

Sondra Yates, CrossCountry Mortgage

Known for responsive and clear communication, this team guides clients smoothly through home financing with a range of mortgage options including first-time buyer programs, refinancing, and specialized loans. Customers appreciate their knowledgeable, kind approach and proactive support, often noting relief after previous frustrating lender experiences.

View Profile
(209) 495-3562
Open 8:00 AM - 7:00 PM
3001 Coffee Rd Ste 2 & 7, Modesto, CA 95355
7

Josh Dobson - MortgageDadof3

MortgageDadOf3 specializes in mortgage education, offering clear, jargon-free guidance to help buyers and homeowners understand complex mortgage options. The platform provides tools like calculators, down-payment assistance resources, and personalized consultations, with a focus on empowering users rather than pushing sales. Customers appreciate the team’s responsiveness and thorough support… more...

MortgageDadOf3 specializes in mortgage education, offering clear, jargon-free guidance to help buyers and homeowners understand complex mortgage options. The platform provides tools like calculators, down-payment assistance resources, and personalized consultations, with a focus on empowering users rather than pushing sales. Customers appreciate the team’s responsiveness and thorough support, especially when challenges arise.

View Profile
(209) 988-9284
Open 8:30 AM - 4:00 PM
1409 Standiford Ave Ste 1, Modesto, CA 95350
8

Alameda Mortgage Corporation

Family-owned since 1968, Alameda Mortgage Corporation offers a wide range of home loan options, including FHA, VA, USDA, and jumbo loans, tailored to fit various financial needs. Clients appreciate their clear communication, quick closing times, and convenient online portal, though some note the process can require careful document preparation.

View Profile
(209) 568-4941
Open 8:00 AM - 5:00 PM
1101 Sylvan Ave Ste c-102, Modesto, CA 95350
9

THE MORTGAGE DR

Known for its rapid pre-approval process, The Mortgage Dr helps clients move quickly through home purchases and refinancing with clear guidance. The team is accessible via multiple communication channels and works to explore all options, often praised for their responsiveness and willingness to support buyers through challenges.

View Profile
(209) 210-1840
Open 9:00 AM - 7:00 PM
3421 Tully Rd Ste A, Modesto, CA 95350
10

Carrollton Mortgage Co

Carrollton Mortgage Co is known for its thoughtful, personalized mortgage guidance that helps clients feel confident throughout the financing process. The team offers a range of mortgage options and takes time to explain each step clearly, which many customers appreciate, especially first-time homebuyers. Their responsiveness and genuine care are often highlighted in reviews.

View Profile
(209) 526-6200
Open 9:00 AM - 5:00 PM
121 Rue De Yoe Ste C, Modesto, CA 95354

Modesto Mortgage Statistics

Home-purchase lending in Stanislaus County and home costs in Modesto, CA (latest HMDA and Census data)

Lenders made 4,079 home-purchase loans in Stanislaus County in 2025 (average about $411,000) and denied 554 — 12% of decided applications, compared with 12% across California, according to federal mortgage data (HMDA, CFPB). In Modesto, the median home is worth $442,700 and 66% of owners have a mortgage, paying a median $2,099 a month (Census ACS 2020–2024).

Home-purchase loans, 2025
4,079▼ 1%4,117 in 2024
Denial rate
12%CA 12%
Median home value
$442,700CA $734,700
Monthly cost with a mortgage
$2,099median · CA $2,946
Refinance loans made (Stanislaus County, 2025)
2,405 · 1,819 in 2024
Home-improvement loans made (2025)
564
Average home-purchase loan
$411,000 (CA $711,000)
Owners with a mortgage
66% · 34% of them spend 30%+ of income on housing
Median household income
$79,891 (CA $99,122)

Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Stanislaus County (originated vs denied); home values and costs: U.S. Census Bureau ACS 2020–2024. Compiled by TrustAnalytica.

Modesto Mortgage Brokers stats: 10 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 Next Gen Home Loans 5.0 448 $10 (209) 653-0638 Visit
2 Alex The Lender 5.0 165 — (209) 756-6479 —
3 Academy Mortgage - Modesto 5.0 142 — (209) 809-2312 Visit
4 Ed Parcaut - Mortgage Broker - Lending For Living 5.0 81 $2,500 (209) 846-9270 Visit
5 NorCal Mortgage 5.0 77 $50 (800) 579-3768 Visit
6 Sondra Yates, CrossCountry Mortgage 5.0 73 — (209) 495-3562 Visit
7 Josh Dobson - MortgageDadof3 4.9 69 — (209) 988-9284 Visit
8 Alameda Mortgage Corporation 5.0 62 — (209) 568-4941 Visit
9 THE MORTGAGE DR 4.7 39 — (209) 210-1840 Visit
10 Carrollton Mortgage Co 5.0 14 — (209) 526-6200 Visit

Frequently asked questions

8 questions
What do mortgage brokers do?
Mortgage brokers help find and negotiate home loans, comparing options from various lenders to secure the best terms for clients.
How do I choose the best mortgage broker in Modesto?
Consider customer reviews, ratings, and if the broker has claimed their profile. TrustAnalytica ranks brokers using these factors for transparency.
Are free consultations common with Modesto mortgage brokers?
Yes, free consultations are common, allowing you to discuss your needs and evaluate broker services before committing.
What questions should I ask a mortgage broker before hiring?
Ask about their fees, lender relationships, loan options, and experience with similar clients to ensure they meet your needs.
Do I need a mortgage broker in California?
While not required, a mortgage broker can simplify the loan process by offering access to multiple lenders and competitive rates.
How long does the mortgage process take with a broker?
The process typically takes 30 to 45 days, but can vary based on lender requirements and client responsiveness.
How do mortgage broker fees work in Modesto?
Brokers may charge a commission, typically 1-2% of the loan amount, paid by the borrower or lender.
What services do Modesto mortgage brokers offer?
They assist with loan applications, rate negotiations, and finding suitable mortgage options tailored to client needs.

General information, not financial advice — consult a qualified professional.

Our Methodology

Best 10 mortgage broker list assembly and recognition by TrustAnalytica for Modesto is based on online reputation backed by review sources as google reviews, TrustAnalytica reviews and more.

We choose the best companies in the location and rank them based on rating, quantity of reviews and verification (Claimed or unclaimed profile).

Rankings are frequently updated to reflect the latest reviews from trusted sources.

Profile verification is free and may improve ranking, as we prioritize accurate, up-to-date profiles that are actively maintained and regularly reviewed.

TrustAnalytica's procedure for listing mortgage broker companies involves manual research, review and placement. Please note that some companies are placed here through their registration with our services as every company gets not only access to our Saas services but also a profile that gets listed. We evaluate businesses based on their online reputation, accessibility, online resources such as website and their fit for best 10 mortgage broker category.

The Process

1

Business Verification

Verified mortgage broker listings in Modesto are based on robust online activity and Google reviews, ensuring credibility.

2

Business Details

Comprehensive mortgage broker profiles offer vital details for informed decisions in Modesto.

3

Reviews And Ratings

Real-time customer ratings guide our mortgage broker rankings in Modesto, reflecting genuine reputation.

4

SEO And Keywords

Our SEO strategy elevates the visibility of top mortgage broker providers in Modesto.

5

AI Search Visibility

Every mortgage broker listing in Modesto is published with structured data that AI search tools like ChatGPT, Perplexity and Google AI Overviews can read and cite.