Expertise.com
2024

Last updated:

Best Mortgage Brokers in Avondale

Our Recommended Top 9

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Avondale Mortgage Brokers on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

28

Reviewed

20

Curated

9

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
16385 W Yuma Rd, Goodyear, AZ 85338
  • Refinance

Why choose this provider?

Clear to Close Mortgage helps customers in the Avondale area with their lending needs for their ideal home. The company offers multiple loan programs such as FHA, VA, conventional, and USDA, which gives borrowers the option to choose from mortgages supported by a government entity or private lenders. Its advisors conduct consultations and coordinate internally to achieve the right financing solution that will suit its client's needs. Clear to Close Mortgage has been in the home financing industry for over 20 years.

License Verified:

License: 2130344

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 (8)

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
Friendliness
Helpfulness
Detail

Website
2920 N. Litchfield Rd., Goodyear, AZ 85395
  • New Construction
  • Refinance

Why choose this provider?

The Butler Mortgage Group handles new loan and refinance applications from clients of the C2 Financial Corporation throughout Avondale. Its consultants determine the qualifications of prospective borrowers by conducting in-depth assessments of their respective credit scores, income situations, and total assets prior to recommending tailored mortgage programs. They offer adjustable- and fixed-rate mortgages, as well as jumbo, conforming, and USDA loans to home buyers, sellers, and refinancers. They also monitor interest rate changes and marketing conditions for the adjustment of each loan's coverage and terms.

License Verified:

License: 1976619

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 (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
Friendliness
Helpfulness
Detail

Website
20359 N. 59th Ave, Suite 100, Glendale, AZ 85308
  • Refinance

Why choose this provider?

Dominick Santalucia works with families and individuals in and around Avondale. He serves the real estate needs of clients by providing them with a variety of mortgage solutions. He processes different types of mortgage programs to help individuals and families achieve their dream of homeownership. He offers 203k, FHA, USDA, VA, jumbo, and fixed- and adjustable-rate loans. The professional also handles refinancing matters. Santalucia is a loan officer at Fairway Independent Mortgage Corporation, a company that has been operating since 1996.

License Verified:

License: 204938

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 (27)

Website
505 E Plaza Circle Dr., Litchfield Park, AZ 85340
  • New Construction

Why choose this provider?

True North Mortgage Company delivers Avondale residents' home loan brokerage needs. Its programs include fixed and adjustable rate options that are aimed at civilians and veterans of the military. USDA plans are on hand for rural asset seekers, and interest-only choices are available for individuals with highly fluctuating incomes. True North Mortgage also has refinancing options for borrowers who wish to obtain less problematic terms. It has informative articles on its website that cover issues like appraisals and closing procedures.

License Verified:

License: 151034

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 (5)
Google
5.0 / 5 (2)

Website
15411 W. Waddell Road, Ste 107, Surprise, AZ 85379
  • New Construction
  • Refinance
  • Reverse Loans
  • VA
  • FHA
  • Purchase

Why choose this provider?

Jen Loans helps Avondale residents purchase new homes or refinance their existing mortgages. Its mortgage team offers various home financing options, including conventional, jumbo, and loan programs, as well as VA and FHA. In addition, it provides an annual review of mortgage loans to help clients monitor their long-term financial goals. Jennifer Lampe, the team leader, has been a loan officer with Radiant Financial Group since 2009.

License Verified:

License: 205573

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.
4.8
Facebook
4.8 / 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
Responsiveness
Friendliness
Helpfulness
Detail

Website
2942 North 24th, Ste. 114, Phoenix, AZ 85016
  • Refinance

Why choose this provider?

Zetta Mortgage offers different types of loan programs to residents of Avondale. Its mortgage options include VA and FHA loans, ARMs, and fixed-rate mortgages. Javier Porras, the firm's broker and owner, has the necessary skills to help clients assess their loan options. Borrowers are given access to various tools to help them easily navigate the mortgage process. These include the home value estimator, refinance analysis request form, and payment calculator, which all can be found on Zetta Mortgage's website.

License Verified:

License: 1531312

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 (20)

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
Friendliness
Helpfulness
Detail

Website
2950 North Litchfield Road, Goodyear, AZ 85395
  • Refinance

Why choose this provider?

Javier Ramos is a loan officer serving clients in Avondale and the surrounding cities. He guides first-time home buyers in applying for loan programs suitable for their needs and financial goals. These programs include FHA, conventional, jumbo, USDA, and VA. Ramos also offers all-in-one loans for individuals needing low monthly interest payments and loan principal. He is available to handle mortgage refinancing solutions for clients wanting to change their terms or programs. Ramos works at EPIQ Lending, a mortgage brokerage operating in all 50 states.

License Verified:

License: 1587439

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 (1)

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
Friendliness
Helpfulness
Detail

Website
16165 N 83rd Ave., Suite 200−234, Peoria, AZ 85382
  • Refinance
  • New Construction

Why choose this provider?

Nichols Mortgage Team is a lending practice that caters to clients located in and around Avondale. It facilitates property purchases and mortgage refinancing. Loan options include jumbo, FHA, VA, and USDA, as well as 30-year fixed mortgages. Its website has tools for online clients to use for refinance analysis, pre-approval, payment calculations, property searches, and value estimates. Nichols Mortgage Team is associated with the Brokers Are Better Network, a collaborative effort between industry vendors and the AIME.

License Verified:

License: 297103

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 (75)
Google
5.0 / 5 (12)

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
Friendliness
Helpfulness
Detail

Website
12725 W. Indian School Rd. Ste. F-109, Avondale, AZ 85392
  • Refinance

Why choose this provider?

Rally Home Mortgage, LLC, facilitates convenience and communication strategies to serve the financial needs of Avondale. It implements online application submission and e-signature signing to facilitate the homeownership goals of the community, including veterans, investors, retirees, and first-time buyers. It creates custom-tailored mortgage programs for clients with low credit scores and those planning to refinance, purchase non-warrantable condos, or enroll in asset-based loan financing. Since 2018, its team of professionals has been guiding clients in each step of the loan process.

License Verified:

License: 1801367

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 (18)
Google
5.0 / 5 (2)
Yelp
5.0 / 5 (1)

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
Friendliness
Helpfulness
Detail

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.