Shane Direct: (949) 322-3616 | Brian & Nichole: (949) 202-5332

About the Best Home Loans

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Whether you are shopping for your first home, you are a repeat homebuyer, or you are looking for a refinance, The Best Home Loans is your nationwide mortgage company.

We specialize in helping customers with a wide variety of financial situations, especially those who may have been turned down by other lending companies because of a low credit score, tax liens, a past foreclosure, or another challenging scenario.


Our Background

The Best Home Loans was launched in 2001. Since our inception, we’ve worked with homebuyers in all 50 states, including during the challenging years of the recession.

This far-reaching experience has given us the know-how as well as the patience and empathy to help borrowers with a range of credit scores, income levels, and financial situations to obtain affordable and flexible financing.

Meet Our Loan Experts

Nichole and Brian VerBurg

Nichole and Brian VerBurg have been in the real estate and home loan industry for almost 2 decades. Brian graduated from Michigan State in 2000 and his first job was for Independent Mortgage in Grand Rapids, MI. Shortly after he moved to California and started his own branch of Independent Mortgage. Nichole joined him in the industry in 2002 just before they started a branch of DirectLender.com. Prior to that Nichole was a manager for a large telecommunication company. They got married in 2003 and have worked together ever since.

Nichole and Brian have 3 main goals for every client:

1st
To get them the absolute best deal possible for their home loan.
2nd
To make the loan processes as simple and easy as possible.
3rd
They by offering the best deals possible and making the processes as simple as it can be, they hope to become their clients’ go-to lender for life.

To accomplish these goals, they have searched long and hard nationwide to find the absolute best-priced wholesale lenders in the industry. As prices can change, they constantly monitor the entire wholesale mortgage market to ensure they can match borrowers with the most affordable loans.

Nichole and Brian also keep current with all the latest and greatest loan products. This allows them to offer virtually every type of home loan to their clients. Unlike a lot of mortgage brokers, Nichole and Brian are experts at everything from your normal conventional and jumbo loans to VA, FHA, USDA, reverse mortgages, rehab loans, Native American loans, HELOCs, and much more.

Outside of work, Nichole and Brian have 2 young children, Micah and Asher, that attend St. Serra Catholic Elementary School. They also have 2 bull terriers, Ringo and Penny. Nichole is deeply involved in volunteering at Serra Catholic. They are both passionate about music, love sushi, and enjoy their burgers protein-style at In-N-Out. Above all else, family is their priority and they show this by being loving and patient with each other and their children.

Nichole and Brian invite you to get in touch today to discuss your lending needs and formulate a plan to secure the right mortgage.

Shane Milne

Shane Milne is a respected mortgage expert who has been in the industry since 2002. He is the go-to resource for many loan officers when they have a loan with complex issues. He is known for giving honest mortgage answers while helping homeowners and homebuyers to navigate the complex process of qualifying for a mortgage.

Shane specializes in helping borrowers who have unique lending needs, whether those involve credit challenges, federal tax liens, income challenges, or the need for a creative mortgage solution. His years of experience and vast knowledge of mortgage guidelines allow his clients a smooth journey from underwriting through funding. If you have a tough mortgage issue, Shane is your go-to expert.

We Can Help Customers Who ...

  • Are shopping for their first mortgage.
  • Are repeat homebuyers.
  • Have excellent or sub-par credit scores, debt-to-income ratios, and other qualifications.
  • Require an alternative to full paper documentation when applying for a loan (see our Bank Statement Loan program).
  • Have been foreclosed on in the past.
  • Have declared bankruptcy, or have had other financial difficulties involving collections, charge offs, or tax liens.

Every homebuyer who works with us can look forward to being treated as an individual. No matter what your circumstances might be, you deserve your piece of the American dream, and we will work hard to qualify you for it.

What Our Clients Are Saying

Brianna Thierfelder
Brianna Thierfelder
05:08 18 Jan 20
Brian and Nichole were awesome to work with. We got the best rates on our fixed mortgage (others tried to beat it, but couldn't), closed on time (within a month), and they were available and quickly responded to any questions we had. We received weekly updates on our loan status, as well. They truly go above and beyond and are genuinely wonderful people. We felt like they did everything they could in our best interest and make the process go so smoothly, especially for as fast as it went. I highly recommend working with Grand Lending Team and will definitely work with them if we ever refi or buy again.read more
Jenny Roberson
Jenny Roberson
03:42 05 Dec 19
We worked with Nichole for our initial loan on the purchase of our first house and when it was time to refinance, we of course went to Grand Lending! The process was easy and both Nichole and Brian were available to answer any question we had... wonderful experience during what could be a stressful event- would definitely recommend!read more
Casey Mitchnick
Casey Mitchnick
17:00 21 Nov 19
Brian and Nichole VerBurg were professional, kind, and always promptly responded to inquiries. I look forward to working with them again in the future
Azhang Hamlekhan
Azhang Hamlekhan
16:17 22 Oct 19
Brian and Nichole are awesome! They were honest, clear and responsive in every step of my refinance process. I will work with them for my next home loan.
Pyam Ramnes
Pyam Ramnes
03:33 20 Oct 19
It's been an easy and clear process. Both Nichole and Brian are awesome.
Robert Kodama
Robert Kodama
21:36 09 Oct 19
Nichole and her assistant Brian are a dynamic lending duo. I have worked with them on several home and multi unit loans and they have always produced with flying colors. I have received the best rates and the best customer service. Getting a loan can be stressful but they make it smooth and simple. I Just closed on a home recently and they helped make it an enjoyable process. Thanks you two and best of luck!read more
Jason Groel
Jason Groel
16:49 04 Oct 19
My experience with Brain and Nicole couldn’t have been better. We partnered together buying our new home and refinance that loan. In a situation that can be overwhelming Brian and Nicole certainly know how to make everything as streamlined as possible. The best part about working with Brian and Nicole is that they consistently watch your loan to ensure you are getting the best deal. Without them I would not have refinanced and would not be saving over $400 a month. Thanks you Brian and Nicole.read more
E D
E D
20:25 20 Sep 19
Brian is honest, caring and smart. He helped me with my loan and i got an unbeatable rate. Totally satisfied with Grand Lending Team service.
Scott
Scott
23:52 16 Sep 19
A bright light in a dark industry!!!!This is the second mortgage we have done with Brian and Nichole and they are the only ones we would use moving forward. First with the purchase of our home. Nichole was right there at evert step and was very quick to response to any questions we had. Thank you Nichole!!!On our refi, Brian not only got us a better rate then was first presented. Brian and Nichole again had us covered. We never ever had to think "what was happening with our loan?" I would 100% recommend Brian and Nicole and the Grand Lending Team for all of your mortgage needs. They are the only people I trust with my mortgage needs!!!Thanks,Scottread more
Uncle Eddy's Lasagna
Uncle Eddy's Lasagna
20:42 01 Aug 19
As a former corporate real estate executive & broker I ca strongly recommend this group. They handled all aspects of my loan in a very professional manner & brought it to a very successful closing with a great rate & terms.read more
Dorothy Lee-Jenkins
Dorothy Lee-Jenkins
01:57 01 Aug 19
Nichole & Brian did a wonderful job with our re-fi. We highly recommend their services. Very professional and return calls promptly. We would use them again.
Hayden Kracke
Hayden Kracke
19:14 17 Jul 19
Brian and his wife Nichole were on top of everything before they were even asked. I switched to them mid-escrow and they Killed it! They will be the only lender I will use for the rest of my life
Hayden Kracke
Hayden Kracke
19:14 17 Jul 19
Brian and his wife Nichole were on top of everything before they were even asked. I switched to them mid-escrow and they Killed it! They will be the only lender I will use for the rest of my life
ANTHONY GIARRUSSO
ANTHONY GIARRUSSO
14:07 20 Mar 19
I highly recommend, ended up with a great rate on my refi. I got a quote from Chase and these guys beat it by .25%. The process was smooth and easy. I haven’t worked with an easier company, they have the process down.read more
laurie plunkett
laurie plunkett
01:23 12 Mar 19
Nichole is the best and she really knows the business. We have done an initial purchase with her in 2009 and a re-fi in 2016. As anybody knows, it can really be a frustrating process, but not with Nichole. She moves to get you closed quickly and makes everything go smoothly. You will not be disappointed with having Nichole take care of everything for you.read more
Peter Helmuth
Peter Helmuth
19:44 10 Mar 19
I highly recommend Nichole and her team. They did a great job and got us a much better rate than the bank we've been using for over 12 years. We got a mailer from her urging us to compare her rates to our bank and sure enough her rate was better. When we locked the rate it was even a little better than expected and as she promised there were no extra fees involved. I had a great experience and would highly recommend them for your next mortgage.read more
Brett Davis
Brett Davis
20:01 28 Feb 19
The Grand Lending team came through in crunch time and took care of everything they said they would . My life was a lot easier thanks to their hard work and dedication!
Victoria Monroe
Victoria Monroe
03:53 13 Feb 19
Nichole was very helpful and able to get me a loan with a way lower rate than everyone else I talked to. I shopped around with several lenders and I even had one tell me her rate and fees were impossible to get, that it would be changed! I stayed with her and she showed me proof of the locked rate and I was able to close my loan with ease! Her assistant Brian was very informative and helped me along the way. I would highly recommend using this company if you are selling a house, buying a house or just refinancing a loan!read more
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Call Now to Schedule Your Consultation with The Best Home Loans

Ready to work with a nationwide mortgage broker that offers unparalleled customer service and stops at nothing to help you achieve your homeownership dreams? Please call us today at (800) 293-2133 to schedule your consultation.

Free Mortgage Rate Quote!