3 Best Mortgage Companies in Huntington Beach, CA

Expert-recommended Top 3 Mortgage Companies in Huntington Beach, California. All of our mortgage companies actually face a rigorous 50-Point Inspection, which includes customer reviews, history, complaints, ratings, satisfaction, trust, cost and general excellence. You deserve only the best!

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OPTIMUM FIRST MORTGAGE

7755 Center Avenue, 9th Floor,
Huntington Beach, CA 92647 Directions

Since 2009

Specialty:

Home Loans Conventional Loans FHA Loans VA Loans Buy a Home Purchase Loans Refinancing Close On Time Advantage Rate Protection Advantage

"Optimum First Mortgage goes above and beyond to ensure you meet all your financial needs and goals. The team specializes in closing purchase loans astonishingly fast and refinancing customers' current home loans at the lowest rates available. They put clients before commissions, and they always deliver the most competitive rates in the industry, helping their customers save time and money. They empower customers across the country to achieve their financial goals with ease and confidence. Optimum First Mortgage made a significant investment in their technology stack, bringing themselves to the forefront of modern lending. Their loan officers are the best in the business, with years of experience, knowledge, and the expertise to get your loan funded fast.

2026 Update: They provide lending services in 15 states. Optimum First Mortgage also has branches in Scottsdale and Caldwell. Contact them to get a rate quote."

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License #240415

Contact:

(877) 816-7846

Mon-Fri: 9am - 6pm
Sat & Sun: Closed

TBR® Inspection Report:

7+ YEARS IN TBR
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SUMMIT HOME LENDING

17011 Beach Boulevard, Suite 1100,
Huntington Beach, CA 92647 Directions

Since 2005

Specialty:

Government Loans VA Loans FHA Loans Conventional Loans Jumbo Loans Home Equity Lines of Credit (HELOC) Reverse Mortgages First-Time Homebuyer Programs

"Summit Home Lending specializes in home purchase loans and refinance loans. As experienced loan officers, they possess the knowledge and expertise necessary to explore the various financing options available. They are dedicated to providing customers with mortgage services that surpass their expectations. Summit Home Lending is proud to make quick loan approval decisions, answer your questions immediately, and secure the best mortgage loans with the best rates available for your needs. They provide free customized quotes.

2026 Update: They have 19 years of experience in this field. As a direct lender, they can approve, process, underwrite, and fund your mortgage loan quickly. Contact them to get a quote."

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License #339255

Contact:

(714) 536-9500

Mon-Fri: 8am - 6pm
Sat & Sun: Closed

TBR® Inspection Report:

JMJ Financial - Huntington Beach, CA Mortgage Companies - Professional Portrait Image
JMJ Financial - Huntington Beach, CA Mortgage Companies - Office Interior Image
JMJ Financial - Huntington Beach, CA Mortgage Companies - Office Image
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JMJ FINANCIAL

19671 Beach Boulevard, #202,
Huntington Beach, CA 92648 Directions

Since 2000

Specialty:

Conventional Loans FHA Loans VA Loans Jumbo Loans Bank Statement Programs Self-Employed Mortgage Programs First-Time Buyer Programs Refinance Options Investment Property Loans Condo Financing

2026 Update: JMJ Financial helps California homeowners, first-time buyers, and real estate investors find the right home loan with confidence. Jason Thibodeau is the branch manager of the company. Their experienced mortgage team offers expert guidance and personalized service through every step of the process, from pre-approval to closing. They specialize in conventional, FHA, VA, jumbo, and refinance loans, programs for self-employed borrowers, and real estate professionals. They have helped 2,000 + families. With local market expertise, in-house processing, and transparent communication, they make your mortgage experience smooth, efficient, and stress-free. Whether you’re buying, building, or refinancing, their goal is to help you achieve homeownership success.

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License #1925186

Contact:

(714) 330-8263

Mon-Wed & Fri: 8am - 5pm
Thu,Sat & Sun: Closed

TBR® Inspection Report: