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Best Mortgage Brokers in Surprise

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Agave Home Loans logo
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License Verified:

License: 1951574

Nationwide Multistate Licensing System and Registry

Agave Home Loans

Surprise, AZ
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  • Refinance

Business Description

Agave Home Loans is a mortgage broker that assists clients in Surprise and the surrounding areas. It offers conventional, VA, FHA, and non-QM loans. It also helps clients with refinancing. Each customer will work with the same loan officer and processor to maintain consistency. It uses software that sifts through the various options offered by over 52 lenders nationwide. Co-owner and CEO Marshall Gottlieb served as a banker and senior director during his seven years at Quicken Loans.

License Verified:

License: 1951574

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 (597)
Facebook
5.0 / 5 (91)
Yelp
5.0 / 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.
5.0
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Arnaiz Mortgage logo
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License Verified:

License: NMLS #2033319

Nationwide Multistate Licensing System and Registry

Arnaiz Mortgage

15331 W Bell Rd Ste 212, Surprise, AZ 85374
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  • Purchase Transactions
  • Refinancing

Business Description

Arnaiz Mortgage is a Surprise-based company that assists clients from the local area in getting a mortgage for their home. Its team of experienced mortgage brokers can assist with home purchase loans and property evaluation. They will guide clients in every step of the process from completing a pre-approval letter request to understanding options based on their criteria and scenario. They will also help clients understand mortgage interest rates and what best fits their needs.

License Verified:

License: NMLS #2033319

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
4.5 / 5 (57)

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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Bella Vida Mortgage logo
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License Verified:

License: 219599

Nationwide Multistate Licensing System and Registry

Bella Vida Mortgage

8663 W. Union Hills Dr. Suite 401, Peoria, AZ 85382
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  • New Construction

Business Description

Bella Vida Mortgage is available to clients in Surprise and the surrounding communities. The company handles Jumbo, VA, USDA FHA, and conventional mortgage loans. Its staff helps first-time homebuyers and individuals with downpayment or credit challenges secure a home. Gigi Kisil, the owner, is a mortgage loan originator with over two decades of experience in the industry. Her prior experience includes facets of mortgage lending such as QC, origination, training, and processing.

License Verified:

License: 219599

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 (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
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BUYorREFI Financial logo
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License Verified:

License: 1838307

Nationwide Multistate Licensing System and Registry

BUYorREFI Financial

14780 W Mountain View Blvd Suite #206, Surprise, AZ 85374
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  • Refinance
  • Reverse Mortgages

Business Description

BUYorREFI Financial is a mortgage broker serving clients in Surprise and surrounding areas. It offers mortgage advice and services including mortgage refinancing options and home loan programs. It also provides reverse mortgage assistance to homeowners who are at least 62 years old. With over a decade's worth of experience, the company's team of mortgage professionals has helped over 3,000 families reduce their mortgages' terms and interest rates as well as educate them about their mortgage needs.

License Verified:

License: 1838307

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 (247)
Yelp
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
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Castle & Cooke Mortgage logo
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License Verified:

License: 1251

Nationwide Multistate Licensing System and Registry

Castle & Cooke Mortgage

9051 West Kelton Lane, Suite 3, Peoria, AZ 85382
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  • Refinance
  • Home Purchase
  • First Time Home Buyer Financing

Business Description

Castle & Cooke Mortgage is an independent mortgage lender that has been serving clients in Surprise since 2005. It offers a range of loan products to help families attain their homeownership dreams. Additionally, it provides mortgage refinancing, allowing clients to access funds for renovations, tuition, or savings. Rick Cardillo, former President and CEO of Western Bancorp, heads the company. Cardillo has over three decades of experience in retail, consumer direct, wholesale, and capital markets.

License Verified:

License: 1251

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
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Detail
DK Home Loans logo
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License Verified:

License: 1779290

Nationwide Multistate Licensing System and Registry

DK Home Loans

8282 W Cactus Rd, Ste. E146, Peoria, AZ 85381
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  • Refinance
  • Reverse Mortgages
  • Purchase Loans
  • Jumbo Loans
  • Conventional Loans

Business Description

DK Home Loans is a mortgage company that serves clients in Surprise and the surrounding areas. Some of the loan programs it offers are conventional, FHA, USDA, VA, fixed-rate, and jumbo-home loans. There are also programs available for people who want to refinance their current mortgage loans. The firm's mortgage professional, David Krushinsky, works with first-time homebuyers, investors, self-employed borrowers, and high-net-worth individuals. Krushinsky helps his clients obtain a mortgage that meets their short- and long-term financial goals.

License Verified:

License: 1779290

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
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
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Infinity Financial Mortgage Corp logo
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License Verified:

License: 1762546

Nationwide Multistate Licensing System and Registry

Infinity Financial Mortgage Corp

15396 N 83rd Ave F-101, Peoria, AZ 85381
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  • New Construction
  • Refinance

Business Description

Infinity Financial Mortgage Corp provides financing assistance to property buyers living in Surprise. Its services range from initial purchase plans for first-timers to refinancing options to reduce interest rates. Fixed and adjustable mortgage options are on offer, as well as jumbo loans and those insured by the Federal Housing Administration and Department of Veterans Affairs. The corporation is led by its president, Timothy George. He directs the business to put emphasis on honesty and integrity in dealing with customers.

License Verified:

License: 1762546

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
Facebook
4.9 / 5 (41)
Google
5.0 / 5 (26)

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
Jim Anstett logo
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License Verified:

License: 182406

Nationwide Multistate Licensing System and Registry

Jim Anstett

7111 W. Bell Rd., Suite 104, Glendale, AZ 85308
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  • Residential Mortgages

Business Description

Jim Anstett is a senior loan officer with Fairway Independent Mortgage Corporation. He provides services to individuals in the Surprise area. Jim helps clients compare mortgage terms and interest rates and choose a loan program that suits their situation. He offers both fixed-rate and adjustable-rate mortgages. He also provides conforming, jumbo, VA, FHA, and USDA loans. Jim has been in the mortgage lending and broker industry since 1997. He teaches continuing education courses and is a licensed instructor with the Arizona Department of Real Estate.

License Verified:

License: 182406

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 (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
Responsiveness
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Helpfulness
Detail
Matt Garner logo
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License Verified:

License: 771045

Nationwide Multistate Licensing System and Registry

Matt Garner

42104 North Venture, Suite C-114, Anthem, AZ 85086
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  • Refinance

Business Description

Matt Garner is a senior loan officer for Fairway Independent Mortgage Corporation who serves clients in Surprise. He offers 30- and 15-year fixed-rate and adjustable-rate mortgage options based on his clients' needs. Garner assists individuals looking for FHA, VA, jumbo, 203k, and USDA loans. He also assists them in refinancing their mortgages. Garner has over 15 years of banking and mortgage experience and has helped obtain $39 billion in home loans in 2019.

License Verified:

License: 771045

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 (80)

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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Helpfulness
Detail
Price Team LLC logo
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License Verified:

License: 148362

Nationwide Multistate Licensing System and Registry

Price Team LLC

17505 N 79 Th Avenue, Suite 308, Glendale, AZ 85308
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  • Refinance
  • Purchase

Business Description

Price Team LLC is a mortgage broker that serves homeowners and veterans in the Surprise metro. It offers a variety of loan options such as 15 or 30-year fixed-rate mortgages, FHA loans, jumbo loans, and VA loans. It also provides adjustable-rate mortgages, 203K loans, and USDA loans. Its broker and president, Donna Price, comes with over 20 years of industry experience, and she makes sure that her clients are guided through every step of the mortgage process.

License Verified:

License: 148362

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
4.5 / 5 (57)

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
Friendliness
Helpfulness
Detail
––
Radian Financial Group logo
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License Verified:

License: 149484

Nationwide Multistate Licensing System and Registry

Radian Financial Group

15411 W. Waddell Road, Ste 107, Surprise, AZ 85379
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  • New Construction
  • Refinance

Business Description

Radian Financial Group is a full-service mortgage brokerage that serves clients in Surprise and its neighboring areas. It offers direct lending services and various loan programs, including FHA, VA, and USDA loans. In addition, the company provides Fannie Mae and Freddie Mac loans. Its team of loan originators and mortgage advisors assists clients throughout the loan process—from pre-qualification, loan selection, and application to processing, underwriting, approval, and funding. Stacy Pingree, one of its mortgage brokers, is also licensed in California.

License Verified:

License: 149484

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 (59)
Facebook
5.0 / 5 (17)

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
Thomas Mancuso logo
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License Verified:

License: 1797556

Nationwide Multistate Licensing System and Registry

Thomas Mancuso

14100 N 83rd Ave, Suite B245, Peoria, AZ 85381
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  • Refinance

Business Description

Thomas Mancuso is a mortgage advisor who assists clients in the process of purchasing or selling a home in the Surprise area. Mancuso has the knowledge and expertise to provide accurate financial advice taking into consideration the changing mortgage programs and market conditions. As a loan officer, he helps clients explore a range of financial options that meet their unique situations. Loan options available are a 30-year fixed mortgage, FHA loans, adjustable-rate mortgage, and reverse mortgage.

License Verified:

License: 1797556

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
Responsiveness
Friendliness
Helpfulness
Detail
V.I.P. Mortgage, Inc. logo
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License Verified:

License: 145502

Nationwide Multistate Licensing System and Registry

V.I.P. Mortgage, Inc.

9221 E Via de Ventura, Scottsdale, AZ 85258
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  • New Construction
  • Refinance

Business Description

V.I.P. Mortgage, Inc., assists clients in the Surprise metro with their mortgage needs. It offers USDA, FHA, conventional, and VA loan programs. The company also provides inclusive loan programs designed to help homebuyers who experienced adverse credit events such as bankruptcies and foreclosures. Additionally, V.I.P. Mortgage offers refinancing solutions to clients looking to lower monthly payments, reduce interest rates, and change loan types. Jay Barbour, the founder of V.I.P. Mortgage, established the company in 2006.

License Verified:

License: 145502

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
Yelp
3.5 / 5 (40)
Google
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
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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