Expertise.com

2024

Last updated:

Best Mortgage Brokers in Arvada

Our Recommended Top 8

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 Arvada Mortgage Brokers on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

35Reviewed

24Curated

8Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Arvada, CO
WebsiteLicense: 167768

Expertise.com Rating

Review Sources

Google
4.8 (80)
Yelp
5.0 (79)

Why choose this provider?

Since 2000, Uptown Mortgage, a locally owned brokerage, has been serving Arvada and the surrounding communities. Its specialists walk clients through the borrowing procedure and present them with all of their lending choices. They provide a variety of programs, including conventional mortgage, USDA, VA, and FHA. As part of its commitment to deliver white glove service, the team supports each client in every phase of a mortgage application. The firm also assists homebuyers and refinancing candidates in Iowa, Texas, Washington, Florida, and Georgia.

  • VA Specialists
  • First Time Homebuyer
  • Refinance
  • Purchase
  • New Construction

Arvada, CO

Expertise.com Rating

Why choose this provider?

Need help contacting a Mortgage Broker in Arvada? Call our Concierge team at 848-Book-Pro (848-266-5776 from 6 am - 4 pm PT | Mon - Fri). They are standing by to help you get the service you need.

1203 24th Street, Denver, CO 80205
WebsiteLicense: 306950

Expertise.com Rating

Review Sources

Google
5.0 (84)
Facebook
5.0 (30)

Why choose this provider?

North Point Financial Inc. is a team of mortgage professionals serving Arvada. Its owner, Joel Gallegos, is a Realtor and loan officer that has been in the industry for over 14 years. Gallegos and his team help clients purchase or refinance their loans. They offer various loan options, such as VA, FHA, USDA, and jumbo loans, in addition to reverse and fixed-rate mortgages. Moreover, the company's website has various tools for clients, such as refinance analysis, payment calculator, and home value estimate.

  • New Construction

1675 Broadway, Denver, CO 80202
WebsiteLicense: 108286

Expertise.com Rating

Review Sources

Google
4.0 (61)
Yelp
5.0 (1)

Why choose this provider?

In business since 2004, American Capital Financial provides Arvada clients with an array of mortgage lending products. These products include conventional, FHA, USDA, and VA loans. Its staff also works to educate clients about the available lending products that fit their needs and circumstances. American Capital Financial has secured over 1800 loans and has served over 2000 clients. In addition, its senior staff has over 27 years of combined experience in the mortgage lending industry.

  • New Construction

3190 South Wadsworth Boulevard, Lakewood, CO 80227
WebsiteLicense: 387869

Expertise.com Rating

Review Sources

Google
4.0 (49)
Facebook
5.0 (3)
Yelp
5.0 (3)

Why choose this provider?

EquiLane Lending, LLC, is a company that offers its financial services to customers in the Arvada area. It was co-founded by Kelly M. Cito and Bob Turgeon. The pair have over 20 years of experience in the industry. The company specializes in mortgages and home financing options, such as conforming and conventional home loans. It offers a variety of loan options like home purchase, jumbo home, VA, FHA, and home refinance. It also assists clients in cash-out refinancing options.

  • New Construction
  • Refinance

12412 York Street, Thornton, CO 80241
WebsiteLicense: 1245420

Expertise.com Rating

Review Sources

Google
5.0 (65)
Facebook
5.0 (26)

Why choose this provider?

Lockstep Mortgage is a team of loan brokers that can help Arvada clients with their plans for a home or property purchase. Its brokers also provide solutions for clients' refinancing applications. They guide clients by giving information and applicable tools for pre-approval letters, refinancing analyses, current mortgage rates, and available homes listed in the market. Lockstep Mortgage's team provides several loan options including FHA, VA, USDA, 203K, jumbo loans, and reverse mortgage. Its president, Dan Green, has been a loan officer for over 15 years.

  • Refinance

2480 West 26th Avenue, Denver, CO 80204
WebsiteLicense: 1901977

Expertise.com Rating

Review Sources

Google
5.0 (55)
Facebook
5.0 (4)

Why choose this provider?

Bob the Banker is a team of mortgage brokers that serves clients in Arvada and the neighboring areas. It provides home purchase loans, refinancing, fast funding, and property evaluation services. The company's loan options consist of 30-year or 15-year fixed and adjustable-rate mortgages. It also offers FHA, VA, and jumbo loans. Along with his team, owner Robert Friel has continued to deliver customized mortgage solutions to clients through Bob the Banker for around 15 years now.

  • Refinance

15385 West 64th Lane, Arvada, CO 80007
WebsiteLicense: 877347

Expertise.com Rating

Review Sources

Google
5.0 (28)

Why choose this provider?

MAC5 Mortgage, Inc., is a full-service mortgage company helping customers in the Arvada area finance their dream homes. The business offers different loan program options for residential properties, such as VA, USDA, jumbo, and FHA home loans. Its team is also dedicated to making its clients' home purchase or refinancing experience a quality one. Backed by 25 years of experience, its senior loan advisor, Troy Wallace, has access to loan programs from over 50 lenders.

  • New Construction
  • Refinance

FAQs

  • 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.