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Best Mortgage Brokers in Huntsville

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1st Family Mortgage Company logo
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License Verified:

License: 65084

Nationwide Multistate Licensing System and Registry

1st Family Mortgage Company

900 Southwest Merchants Walk, Huntsville, AL 35801
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  • New Construction
  • Refinance

Business Description

Located in Huntsville, 1st Family Mortgage Company serves clients looking to purchase a home, refinance outstanding mortgages, or consolidate debt. It offers home purchase and refinancing options for different types of homes, such as single-family homes, multi-family homes, condominiums, and townhouses. Its loan programs include conventional loans, FHA loans, VA loans, and jumbo home loans. Exclusive products that 1st Family Mortgage Company offers include 2nd chance refinance, green light underwrite, dream home improvement loan, and the 1FMC 7-year guarantee.

License Verified:

License: 65084

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.0 / 5 (308)
Facebook
4.0 / 5 (228)
Yelp
1.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
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Assurance Financial logo
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License Verified:

License: 70876

Nationwide Multistate Licensing System and Registry

Assurance Financial

7800 Madison Boulevard, Huntsville, AL 35806
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  • Refinance
  • Purchase Transactions

Business Description

Assurance Financial is an independent residential mortgage banker that has been in the industry since 2001. The mortgage professionals from this company provide technology-focused solutions, with an aim to ensure a pleasant home buying experience for customers in Huntsville. They offer a wide range of residential loan products for clients who are planning to invest in real estate, buy a vacation home, downsize their homes, and purchase homes for the first time. Other products available are VA, FHA, USDA, jumbo, and construction loans.

License Verified:

License: 70876

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (98)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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CIS Home Loans logo
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License Verified:

License: 1696650

Nationwide Multistate Licensing System and Registry

CIS Home Loans

514 Madison Street Southeast, Huntsville, AL 35801
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  • Refinance

Business Description

CIS Home Loans is a full-service mortgage company established in 1991. Its Huntsville-based office assists local clients in obtaining loans for home purchase and refinancing. Its scope of services encompasses conventional Fannie Mae and Freddie Mac loans. Additionally, it handles USDA, FHA, and VA loans. The firm has expanded from a team of eight employees to 120 staff members serving the mortgage needs of families today. The letters C, I, and S in their name stand for character, integrity, and service.

License Verified:

License: 1696650

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.1
Facebook
4.0 / 5 (32)
Google
3.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
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DSLD Mortgage logo
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License Verified:

License: 1776705

Nationwide Multistate Licensing System and Registry

DSLD Mortgage

7800 Madison Boulevard, Huntsville, AL 35806
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  • Refinance

Business Description

DSLD Mortgage helps customers in Huntsville and its surrounding communities get the right loan for their home-buying needs. The firm offers conventional loan programs, which have a low down payment option for first-time property buyers. It also helps veterans finance their homes through its VA loan program. Apart from that, the firm has loan options for federal housing and rural development. DSLD Mortgage also works with clients who have issues in their credit scores, such as foreclosure, bankruptcy, and late payment issues.

License Verified:

License: 1776705

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (24)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
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Hilda Campbell logo
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License Verified:

License: 839022

Nationwide Multistate Licensing System and Registry

Hilda Campbell

7145 Happy Hollow Rd., Ste 110E, Trussville, AL 35173
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  • Refinance
  • Mortgage Broker

Business Description

Hilda Campbell is a residential mortgage loan officer with over 40 years of experience. She helps Huntsville clients achieve their dream of homeownership by offering various loans that fit their needs, such as conforming, FHA, jumbo, USDA, and VA options. She assists them throughout the transaction and handles documentation on their behalf to enhance customer experience. Campbell is affiliated with Thrive Mortgage, an Inc. 5000-listed company that utilizes eClose technology to streamline its lending process and operates in more than 30 states across the country.

License Verified:

License: 839022

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Lawhorn & Associates Mortgage Company, Inc. logo
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License Verified:

License: 229593

Nationwide Multistate Licensing System and Registry

Lawhorn & Associates Mortgage Company, Inc.

100 Jefferson Street South, Huntsville, AL 35801
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  • Refinance
  • Reverse Mortgages
  • Purchase Transactions

Business Description

Lawhorn & Associates Mortgage Company, Inc. is a home loan specialist that provides financing options for borrowers in Huntsville, whether they are purchasing or refinancing. Its team helps clients select from multiple programs, including conventional and reverse mortgages along with construction to permanent loans that combine funding for home construction, land purchase, and a permanent mortgage into one. Lawhorn & Associates Mortgage Company has been providing financing solutions for nearly three decades. It is also licensed in Colorado and Florida.

License Verified:

License: 229593

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.0 / 5 (60)
Facebook
3.0 / 5 (15)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Mid Town Mortgage Company logo
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License Verified:

License: 1249468

Nationwide Multistate Licensing System and Registry

Mid Town Mortgage Company

500 Providence Main Street, Huntsville, AL 35806
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  • New Construction

Business Description

Mid Town Mortgage Company is a firm of mortgage professionals in Huntsville that sources out and strategizes loan and mortgage options for clients in the area. It is an independent mortgage brokerage networked with various different lenders nationwide which helps it produce more financing options and mortgage rates. Mid Town Mortgage Company specializes in conforming, non-conforming, and government loan programs such as VA, FHA, and 203K. It also offers construction loans, rural development loans, and renovation loans.

License Verified:

License: 1249468

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.0 / 5 (50)
Facebook
5.0 / 5 (25)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Mortgage Right logo
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License Verified:

License: 2239

Nationwide Multistate Licensing System and Registry

Mortgage Right

401 Holmes Avenue Northeast, Huntsville, AL 35801
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  • Refinance

Business Description

Mortgage Right is a Huntsville-based company specializing in several types of mortgage loan programs. These include conventional mortgage loans that require clients to make only 3% down payments and flexible repayment years. It also has an FHA mortgage suitable for first-time buyers and buyers with low credit scores. In addition, reverse, jumbo, and USDA mortgage loan options are also available. Mortgage Right also caters to veterans and their living spouses wanting to borrow money with no down payment.

License Verified:

License: 2239

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
5.0 / 5 (11)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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New South Mortgage - Huntsville logo
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License Verified:

License: 1018333

Nationwide Multistate Licensing System and Registry

New South Mortgage - Huntsville

303 Williams Avenue Southwest, Huntsville, AL 35801
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  • Refinance

Business Description

New South Mortgage is an independent mortgage banking firm providing direct lending services to clients in Huntsville. It specializes in FHA, VA, and conventional home loan programs. Its other loan options include fixed-rate mortgage, reverse mortgage, and jumbo home loans. New South Mortgage also offers mortgage refinancing services that aim to reduce the terms of the loan and lower its interest rate. Judy and Will Worthington are the founders of New South Mortgage, which was formerly the Worthington Federal Bank and the Worthington Mortgage Group.

License Verified:

License: 1018333

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.1
Google
4.0 / 5 (14)
Facebook
3.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
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Detail
––
North Alabama Mortgage logo
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License Verified:

License: 200711

Nationwide Multistate Licensing System and Registry

North Alabama Mortgage

7501 Memorial Parkway Southwest, Huntsville, AL 35802
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  • Refinance
  • Purchase Transactions

Business Description

North Alabama Mortgage is a mortgage firm that has been serving clients in and around Huntsville since 2006. It offers conventional, FHA, VA, USDA, and jumbo loans. It also handles FHA streamline refinance loan and VA interest rate reduction refinance loan (IRRRL) programs. In addition, North Alabama Mortgage is led by its owner, Brian Hamaker. His team of loan professionals works with clients throughout the loan process to obtain funding for investment and residential properties.

License Verified:

License: 200711

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.0 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
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Detail
Reverse Mortgage Alabama logo
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License Verified:

License: 221195

Nationwide Multistate Licensing System and Registry

Reverse Mortgage Alabama

204 Griffin Park Trail, Huntsville, AL 35242
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  • Reverse Mortgages

Business Description

Reverse Mortgage Alabama has been serving senior homeowners in Huntsville since 2007. The firm was established by Scott Underwood, who is known in the community as "Alabama's Reverse Mortgage Guy." Underwood and his team of professionals mainly focus on reverse mortgages and can coordinate with various lenders to help clients make the most of their home equity. The brokers at Reverse Mortgage Alabama have been praised for their patience in guiding seniors throughout the loan process.

License Verified:

License: 221195

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
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Detail
Southern Fidelity Mortgage Group logo
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License Verified:

License: 21106

Nationwide Multistate Licensing System and Registry

Southern Fidelity Mortgage Group

1108 Andrew Jackson Way Northeast, Huntsville, AL 35801
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  • Refinance

Business Description

Southern Fidelity Mortgage Group branch in Huntsville was opened to reach more residents in the area. The company has been in service for more than 100 years, specializing in lending, finance, and mortgage industries. The business offers Federal Housing Administration loans, conventional loans, rural development loans, construction or renovation loans, and Veteran's Affairs loans. As each loan option has a different set of terms and conditions, the company helps clients understand the entire loan process by providing personalized service.

License Verified:

License: 21106

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (12)
Southern Fidelity Mortgage Group of Huntsville logo
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License Verified:

License: 21106

Nationwide Multistate Licensing System and Registry

Southern Fidelity Mortgage Group of Huntsville

3350 L and North Drive Southwest, Huntsville, AL 35801
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  • Refinance

Business Description

Southern Fidelity Mortgage Group of Huntsville has been operating since 2006. It assists individuals who are planning to buy, refinance, or build a home by presenting a wide range of home loan options. Its team specializes in FHA, VA, USDA, conventional, and construction/renovation loan programs. The company's founder, Mark Kent, started his career in the banking industry then established an appraisal company business later on. He is involved with local organizations such as the Young Business Leaders of Huntsville and Downtown Rescue Mission.

License Verified:

License: 21106

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
5.0 / 5 (2)
Facebook
5.0 / 5 (1)
Supreme Lending logo
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License Verified:

License: 1366712

Nationwide Multistate Licensing System and Registry

Supreme Lending

200 Clinton Avenue East, Huntsville, AL 35801
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  • Refinance
  • Purchase Transactions

Business Description

Established in 1999, Supreme Lending is a full-service mortgage company that holds licenses in all 50 states. Its Huntsville branch provides the local community with various mortgage programs that include conventional, jumbo, FHA, and VA loans. Whether borrowers are seeking funds for primary residences, second homes, or investment properties, Supreme Lending's team guides them throughout the process. The company has been recognized by Mortgage Technology magazine as the top tech-savvy lender and servicer in 2013.

License Verified:

License: 1366712

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.2
Google
4.0 / 5 (10)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Tim Byrne logo
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License Verified:

License: 251519

Nationwide Multistate Licensing System and Registry

Tim Byrne

415 Meridian Street North, Huntsville, AL 35801
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  • New Construction
  • Refinance

Business Description

Tim Bryne is a mortgage lender that delivers loan options for residential property buyers, builders, and real estate agents in Hunstville. He offers adjustable and fixed-rate mortgages, VA, construction, physician, and first-time homebuyer loans. With almost a decade of experience in the industry, Tim has originated more than 1,000 loans for purchase, refinancing, and new construction. He believes that being a live person who provides same-day responses is better than the services offered by other online mortgage companies in the market.

License Verified:

License: 251519

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (37)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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WilsonLittle Team logo
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WilsonLittle Team

309 Franklin St SE, Huntsville, AL 35801
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  • Refinance
  • New Construction

Business Description

WilsonLittle Team is a mortgage firm assisting clients in the Huntsville metro and its neighboring communities. The company focuses on providing aid for clients in applying for a mortgage through their multiple loan programs. The team provides information on available loan programs such as FHA, VA, PMI, LPMI loans, providing a thorough description of such loans and how they work. Clients can also use its website's calculator to estimate mortgage values, loan affordability, and rent vs. buy.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (31)
Facebook
5.0 / 5 (13)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
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Back to Providers

Frequently Asked Questions

Introduction

It’s the American dream to buy property, and almost everyone who purchases a home does so with the help of a mortgage broker. It can be intimidating when you don’t know where to begin, what information is necessary, and how to receive a loan. A mortgage broker acts as an intermediary between the applicant and the financial institution.


The mortgage broker’s role includes comparing loan terms across lenders to find applicants the best options, collecting paperwork the financial institution needs to analyze the application, and guiding the buyer through the underwriting and closing processes. Mortgage brokers can significantly simplify the home buying process.

Can mortgage brokers work across state lines?

Yes, mortgage brokers can work across state lines. However, each state has different licensing requirements for mortgage brokers. Customers should ensure their broker can legally work in another state before going across state lines. Lastly, don’t forget the mortgage process is often time-sensitive, so being in different time zones can be problematic.

How do mortgage brokers find lenders?

Mortgage brokers work independently and act as a bridge between the client and the lender. They reach out to several lenders to form a network and build professional relationships with those they work with often. They use lenders who best meet a client's rates and terms, and some lenders only do business through mortgage brokers.  

What credit score do mortgage brokers use?

There are two credit scoring models in the United States: FICO and VantageScore. Mortgage lenders typically prefer to use FICO. However, each credit bureau uses a different version of the FICO score:

  • Experian uses FICO Score 2
  • Equifax uses FICO Score 5
  • TransUnion uses FICO Score 4

Do mortgage brokers help with refinancing?

Yes, mortgage brokers can help with refinancing. Individuals who have a solid credit score will typically go to their bank to refinance their mortgage. However, if you don't have excellent credit, a mortgage broker may be able to secure you a better interest rate than you could get on your own.

You pay a fee to the mortgage broker, so you'll want to consider this fee versus your savings in your cost-benefit analysis.

Can you work with two mortgage brokers?

You can definitely work with two mortgage brokers. The advantage of using multiple brokers is that you'll have two people reaching out to several lenders to secure the best rate possible. However, you must ensure you provide matching information to all your brokers. If two brokers provide mismatched information about your application to the same lender, it can send off red flags and delay your approval process.

Do mortgage brokers get better deals?

Yes, a mortgage broker should be able to get you a better deal. Mortgage brokers go to several lenders on your behalf and find the one with the best terms and interest rates. However, note that some mortgage brokers have preferred lenders. A broker may bring you their preferred lender's offer, even if it's not the best one; however, this isn't a regular practice.

How do mortgage brokers get paid?

The customer or the lender pays the mortgage broker. By law, it's illegal for a mortgage broker to accept payment from both parties. Additionally, thanks to the Dodd-Frank Act, a mortgage broker cannot have hidden fees or base their commission on their customer's interest rate.

What makes mortgage brokers different from loan officers?

Loan officers are employees of a single lender. For example, if you go to a bank for a mortgage, you'll deal with their loan officer. They’re paid a set salary and receive bonuses; however, they can only offer loans from their bank.

A mortgage broker works independently or for a firm, and they’re paid by the client or lender. Mortgage brokers can approach several lenders, giving individuals many more options.

What is the difference between a commercial mortgage broker and a home loan broker?

A commercial mortgage broker deals with real estate loans for businesses. The loan for the commercial property is given to the company, not the individual. As a result, the approval process reviews the financial health of the business. In comparison, a home loan broker helps individuals gain a real estate loan for their property.

How much do mortgage brokers make?

According to Salary.com, the average salary for a mortgage broker in the U.S. ranges between $75,344 and $99,498. However, this can significantly vary depending on the state you work in, bonuses, and other factors.

How do mortgage brokers get paid?

How a mortgage broker gets paid entirely depends on who they work for. If they’re an independent contractor, all of their income comes from their clients or lenders. If the person works for a brokerage, they may be paid a combination of a base salary and bonuses from closed deals.

How much do mortgage brokers make per loan?

Mortgage brokers typically make between 1% and 2% of the total loan amount on each deal closed. The client or the lender will pay this fee. The mortgage broker does not receive their payment until the loan is approved and finalized. 

Can mortgage brokers work across state lines?

Yes, mortgage brokers can work across state lines. However, each state has different licensing requirements for its mortgage brokers. To legally close a transaction, you must be certified in the state of the transaction. Additionally, it's helpful to know the state's closing process, as this can change from state to state.

What is a surety bond for mortgage brokers?

A surety bond is a legal contract that binds three parties — the obligee, the principal, and the surety. Surety bonds are typically required to receive a license for operating as a mortgage broker. When a mortgage broker gets a surety bond, it's a legal guarantee they'll perform their obligations to their customers as required by law.

Is it difficult to pass the mortgage brokers’ test?

Upon completion of educational requirements, you must pass the mortgage broker test to receive your license. It's a two-part test called the Safe Mortgage Loan Originator Exam, and it can be a bit challenging. Out of almost 87,600 national test-takers, 57% passed on their first attempt. The test includes both a state and national portion and requires a minimum score of 75% to pass.

Do mortgage brokers need to be licensed?

Yes, all mortgage brokers need to be licensed. Individuals need to complete a 20-hour class that goes over state and federal laws for mortgages and other important information. Next, individuals take the official test with the National Mortgage Licensure System.

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