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Best Mortgage Brokers in Fresno

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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

Fresno, CA
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  • Refinance

Business Description

Agave Home Loans provides mortgage loans to homebuyers in Fresno. Representatives of this independent mortgage broker help clients choose loan options appropriate for their circumstances and needs. They also guide first-time purchasers in qualifying for conventional loans. In addition, they help them apply for VA, non-qualifying, and FHA mortgages. Doug Wang is the COO and company co-owner who has seven years of mortgage industry experience. He was a part of a big box lending firm before he started Agave Home 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)
Yelp
5.0 / 5 (6)

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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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Alameda Mortgage Corp. logo
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Alameda Mortgage Corp.

7555 N Palm Ave Suite 105, Fresno, CA 93711
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  • New Construction

Business Description

Alameda Mortgage Corp. is a family-owned and family-operated firm that serves customers in Fresno and the surrounding communities. Since 1968, its loan officers have been assisting clients who are looking to purchase a home or pay off debts, cash out, and reduce monthly payments through refinancing. They offer a variety of personalized loan options, including fixed-rate, adjustable-rate, jumbo, FHA, USDA, and VA. From consultation and appraisal to approval and closing, they work closely with clients to better meet their distinct requirements.

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)

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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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American Financial logo
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License Verified:

License: 1075801

Nationwide Multistate Licensing System and Registry

American Financial

43060 Running Deer Drive, Coarsegold, CA 93614
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  • Reverse Mortgages

Business Description

American Financial is a mortgage brokerage providing assistance to clients in Fresno and the surrounding areas. It strives to deliver tailored-fit services to its clients through its range of product options and investment tools. The brokerage's mortgage rate options include fixed-rate, adjustable-rate, interest-only, and graduated program mortgages. Clients can choose from the brokerage's array of loan programs, including FHA, VA, USDA, and jumbo loans. Additionally, it offers clients help in availing themselves of reverse mortgage loans.

License Verified:

License: 1075801

Nationwide Multistate Licensing System and Registry

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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Andrey Dimitrashuk logo
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Andrey Dimitrashuk

2560 W Shaw Ln #105, Fresno, CA 93711
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  • Refinance

Business Description

Andrey Dimitrashuk is a Fresno-based loan officer affiliated with Advisory Home Loans. He guides clients through the process of finding and applying for various mortgage options, such as VA, FHA, USDA, and conventional loans. He works with prospective mortgagors to review financial factors, such as employment history and credit score, before recommending and guiding them through the mortgage product suited to their specifications. Andrey has over eight years of experience in the financial services industry. He holds a bachelor's degree in business management.

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
4.5 / 5 (57)

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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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Caleb Parmenter logo
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License: 938569

Nationwide Multistate Licensing System and Registry

Caleb Parmenter

7485 N Palm Ave Ste 101, Fresno, CA 93711
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  • Refinance

Business Description

Caleb Parmenter is the Fresno branch sales manager of the mortgage banker Big Valley Mortgage. He also operates as one of the company's loan officers and specializes in residential loan programs. As an advocate of equal housing opportunity, he assists borrowers in applying for HARP 2.0, home equity, and VA loans. Parmenter has been working as a local loan officer since 2012. Likewise, Big Valley Mortgage has been providing families with homeownership opportunities for 30 years.

License Verified:

License: 938569

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
4.8 / 5 (24)
Yelp
4.0 / 5 (6)
Google
5.0 / 5 (4)

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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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Craig Simons logo
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Craig Simons

1300 E Shaw Ave. Ste 105, Fresno, CA 93710
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  • Refinance

Business Description

Craig Simons is a branch manager of Cherry Creek Mortgage's Fresno-based office. He offers mortgage consultations with interested applicants via e-mail or phone call. Craig educates first-time clients about different mortgage rates and annual fees for each loan option. He also assists them in getting pre-qualification for conventional and specialized loans. In addition, Craig advises clients that face foreclosure warnings or seek to reverse foreclosure decisions. Aside from loans, he offers to advise clients seeking refinancing options and calculate fixed or adjustable rate plans.

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.
4.0
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Kings Mortgage Services, Inc. - Clovis logo
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License Verified:

License: 264441

Nationwide Multistate Licensing System and Registry

Kings Mortgage Services, Inc. - Clovis

755 North Peach Avenue, Clovis, CA 93611
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  • New Construction
  • Refinance

Business Description

Kings Mortgage Services, Inc., is a full-service mortgage firm with a location in Clovis that serves clients in and around the local area, including Fresno. It offers a variety of loan products such as FHA, VA, USDA, jumbo, and conventional loans. The company can also consult with clients regarding refinancing their mortgages through its online application form and contact details found on its website. Kings Mortgage Services maintains an in-house underwriting, processing, and funding division. The business was established in 1997.

License Verified:

License: 264441

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
4.0 / 5 (22)

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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Kurt Goetz logo
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Kurt Goetz

7050 N Fresno St. #210, Fresno, CA 93720
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  • Refinance

Business Description

Kurt Goetz is a senior loan officer and branch manager for NEXA Mortgage. His office is located in Fresno. He offers several loan options, such as jumbo, reverse mortgage, FHA, VA, and 15- and 30-year fixed mortgage. For the past 17 years, Goetz has been advising first-time homebuyers and seasoned investors alike in choosing the appropriate programs that address their needs. He also guides homeowners through their first or recurring refinancing program. Goetz is a member of the Association of Independent Mortgage Experts.

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 (60)
Facebook
5.0 / 5 (11)
Yelp
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
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L.O.A.N. Services, Inc. logo
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L.O.A.N. Services, Inc.

7067 N Mariposa St. Suite 105, Fresno, CA 93720
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  • Refinance

Business Description

L.O.A.N. Services, Inc., caters to customers in the Fresno metro and the surrounding communities. It assists individuals who are looking to purchase new homes by offering various loan programs. These include jumbo, FHA, USDA, and VA loans. It provides different mortgage rate options, such as adjustable- and fixed-rate, graduated payments, and interest-only. The firm also serves homeowners who want to refinance their mortgage. L.O.A.N. Services walks the clients through the entire process, including prequalification, program selection, application, information verification, and closing.

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
4.6 / 5 (11)
Yelp
4.0 / 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
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Lending Concepts logo
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Lending Concepts

575 E Alluvial Ave, Fresno, CA 93720
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  • New Construction
  • Refinance

Business Description

Lending Concepts is a full-service firm that offers comprehensive mortgage solutions to clients in Fresno and nearby areas. It helps clients of varying demographics, generations, and income brackets secure mortgage solutions that fit their unique needs. It offers various loan program options, such as FHA, VA, conventional, jumbo, 3% Down, and USDA loans. The firm also assists with mortgage refinancing for clients who want to reduce monthly payments, cash out some of their equity, or consolidate existing debts.

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
Facebook
5.0 / 5 (3)
Yelp
3.0 / 5 (2)

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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Marisol Espinoza logo
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Marisol Espinoza

990 W Alluvial Ave Suite 103, Fresno, CA 93711
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  • Refinance

Business Description

Marisol Espinoza is a loan officer connecting Fresno lenders to mortgage broker Western Financial Institution. Part of a team with 35 years of combined experience, she assists with the loan application process for fixed and customizable lending solutions like home purchase, jumbo, and government-backed loans, adjustable-rate mortgage, and home refinancing. Espinoza also links veterans to home loans, borrowers wanting to live in the outskirts to rural development loans, and seniors to reverse mortgages.

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 (41)

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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––
Mav Mortgage logo
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Mav Mortgage

755 North Peach Ave Suite H5, Clovis, CA 93611
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  • New Construction

Business Description

Mav Mortgage is a Clovis-based company catering to clients in the Fresno area and the surrounding communities. It aims to guide individuals through the home loan process and helps them select from its mortgage options and loan programs, including construction, home equity, jumbo, refinance mortgages loans, as well as conventional fixed-rate and adjustable-rate mortgages. In addition, Mav Mortgage provides a loan calculator on its website that computes amortization, biweekly payment, debt consolidation, pre-payment, and qualification.

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 (84)

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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Precision Home Loans logo
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Precision Home Loans

653 W. Fallbrook Ave. Suite 102, Fresno, CA 93711
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  • New Construction
  • Refinance

Business Description

Precision Home Loans is a mortgage lender that caters to clients in Fresno and the surrounding areas. It provides mortgage options, such as conventional, FHA, VA, and non-conforming home loans. It also offers fixed-rate mortgage loans, down payment assistance programs, jumbo loans, and adjustable-rate mortgages. Precision Home Loans is a division of the Alameda Mortgage Corporation. Debbie Kent, the company's vice president of compliance and licensing, has over 30 years of experience in the mortgage industry.

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
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Prosperity Home Mortgage, LLC - Fresno logo
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License Verified:

License: 75164

Nationwide Multistate Licensing System and Registry

Prosperity Home Mortgage, LLC - Fresno

7050 North Palm Avenue, Fresno, CA 93650
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  • New Construction
  • Refinance

Business Description

Prosperity Home Mortgage, LLC - Fresno is a privately held company that has been serving clients in and around its community since 2014. It offers USDA, FHA, VA, jumbo, renovation, and investor financing programs. It also provides fixed-rate and adjustable-rate mortgage solutions. The company assists low-income, disaster-impacted, and minority communities through Fannie Mae's HomeReady loan option. The company's president and CEO, Tim W. Wilson, has been in the mortgage industry for more than three decades.

License Verified:

License: 75164

Nationwide Multistate Licensing System and Registry

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
Sierra Mortgage logo
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License Verified:

License: 1133052

Nationwide Multistate Licensing System and Registry

Sierra Mortgage

516 West Shaw Avenue, Fresno, CA 93704
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  • Refinance

Business Description

Sierra Mortgage is a Fresno-based company that helps families obtain the dream of homeownership. Its mortgage professionals offer a Location Efficient Mortgage that is designed for clients who want to purchase a property in an accessible location. This type of loan is available in certain types of markets. Other loan options are fixed and adjustable-rate, conforming, conventional, FHA, jumbo, and state and local housing programs. Sierra Mortgage also provides a refinancing program for condominiums, single and multi-family homes, and townhouses.

License Verified:

License: 1133052

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 (31)

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
––
Snap Home Loans logo
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License Verified:

License: 1094151

Nationwide Multistate Licensing System and Registry

Snap Home Loans

7575 North Del Mar Avenue, Fresno, CA 93711
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  • Refinance

Business Description

Snap Home Loans is a mortgage brokerage that serves Fresno and the surrounding areas. It offers several loan options, such as 30- and 15-year fixed-rate mortgages, adjustable-rate mortgages, FHA and VA loans, 203k loans, and HARP loans. Reverse mortgages are also available for senior citizens looking to get some cash out of their home equity. In addition, Snap Home Loans assists people looking to refinance their mortgages by helping them consolidate their debt, lower their monthly payments, or pay off their mortgage more quickly.

License Verified:

License: 1094151

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
Facebook
5.0 / 5 (17)
Yelp
4.0 / 5 (7)

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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––
Team Realty Blue logo
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Team Realty Blue

7946 North Maple Avenue, Fresno, CA 93720
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  • New Construction

Business Description

Team Realty Blue is a Fresno-based full-service brokerage company that helps first-time buyers in purchasing homes and individuals selling properties. Its team of mortgage professionals ensures its clients understand all available loan options for their situation. Additionally, it is committed to providing ethical and professional service to promote long-term relationships. Customers can search for open houses, review featured listings, and assess their loan repayments using the calculator tool ​on its website. Team Realty Blue is a licensed Californian real estate broker.

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)
Tiffany Pontbriand, Mortgage Broker logo
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License: 1964374

Nationwide Multistate Licensing System and Registry

Tiffany Pontbriand, Mortgage Broker

990 West Alluvial Avenue, Fresno, CA 93711
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  • Multi-Family Loans

Business Description

Tiffany Pointbriand, Mortgage Broker serves the real estate purchasing and refinancing needs of the Fresno community. Her team matches clients from a diverse demographic with mortgage programs that meet their personal and financial goals. Their programs include down payment assistance, conventional FHA, VA, and USDA loans. Tiffany is praised by clients for her fast and efficient service. One satisfied client said that she got their loan approved on the same day as their meeting with Tiffany,

License Verified:

License: 1964374

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 (22)

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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Western Pioneer Financial logo
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Western Pioneer Financial

990 W Alluvial Ave, Fresno, CA 93711
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  • New Construction
  • Refinance

Business Description

Western Pioneer Financial is a company that offers its services to individuals and families in Fresno and the surrounding communities. It provides various options for purchasing and refinancing homes, including 15- and 30-year fixed mortgages, adjustable rates, FHA, VA, and jumbo loans. It also handles reverse mortgages that assist clients 62 years and older in converting home equity to cash without monthly payments. The company's team brings more than 35 years of combined experience in the loan and real estate industry.

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
4.8 / 5 (37)
Facebook
5.0 / 5 (19)
Yelp
4.0 / 5 (5)

(+1 additional source)

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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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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