Expertise.com
2024

Last updated:

Best Mortgage Brokers in Loveland

Our Recommended Top 11

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

29

Reviewed

21

Curated

11

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
3442 Windsor Ct, Loveland, CO 80538
  • Refinance
  • New Construction

Why choose this provider?

M2 Home Loans is a local brokerage that caters to individuals and families in and around Loveland. Its services include mortgage refinancing and it offers different loan options, including FHA, VA, and USDA rural loans. It offers conventional loan programs from non-government-sponsored lenders with either fixed rates or adjustable rates. It also sources jumbo loans for clients who need more than what conventional loan limits provide. Its owner, Mandy Mulligan, has been in the lending business since 2005.

License Verified:

License: 271368

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
2203 N. Taft Ave., Loveland, CO 80538
  • Refinance

Why choose this provider?

Family Mortgage Co. Incorporated has been serving families in the Loveland metro since 2002. Its team renders financial assistance for first-time homebuyers who have good credit histories. The business offers 10-, 15-, 20-, and 30-year fixed-rate mortgages. Other services provided include reverse and adjustable-rate mortgages, as well as jumbo loans. Family Mortgage gives back to the community by giving monetary support to the students of Thompson School District through its Family Mortgage Curriculum Enhancement Fund.

License Verified:

License: 174296

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 (13)
Facebook
5.0 / 5 (5)

Website
3553 Clydesdale Pkwy, Suite 310, Loveland, CO 80538
  • Refinance
  • New Construction

Why choose this provider?

Billy Campbell handles the mortgage needs of clients in Loveland and the surrounding areas. Billy is a certified mortgage planning specialist and a branch manager at Primary Residential Mortgage. He helps individuals and families obtain their desired homes while staying within their budget by offering various home loan programs, including conventional, USDA, VA, and FHA. He also assists clients in applying for CFHA loans with 30-year fixed-rate mortgages. Billy has been in the mortgage industry since 2007.

License Verified:

License: 224672

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
4.9 / 5 (48)
Facebook
5.0 / 5 (47)
Zillow
4.9 / 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
1803 N. Taft Ave., Loveland, CO 80538
  • Refinance

Why choose this provider?

Arnett & DeVoe Mortgage Group is a full-service lending firm catering to clients in Loveland and nearby areas. It helps homeowners and buyers navigate the different aspects of the loan application process and the financial marketplace. Dedicated to streamlining mortgage procedures, the firm offers various financial tools that aid clients with their decision-making. The family-owned and family-operated business was founded by two mortgage brokers, Casey Arnett and Vivian DeVoe. DeVoe also served as a Realtor for 12 years.

License Verified:

License: 1439602

Nationwide Multistate Licensing System and Registry

Website
1635 Foxtrail Dr., Loveland, CO 80537
  • Refinance

Why choose this provider?

Simply Mortgage serves Loveland residents looking to buy or refinance a residential property. Its line of purchase and refinancing loans include USDA, Jumbo, FHA, VA, and HARP loans. It also offers both adjustable- and fixed-rate mortgages. Its brokers help clients find the loan program suitable for their specific scenario, from first-time home buying to real estate investing. Committed to delivering a convenient experience, Simply Mortgage has a secure platform that lets clients submit applications online and provides them with decision-making tools, such as payment calculators.

License Verified:

License: 2036507

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 (6)
Facebook
5.0 / 5 (5)

Website
1635 Foxtrail Dr, Loveland, CO 80538
  • Refinance
  • New Construction

Why choose this provider?

LoanFIT is a mortgage brokerage firm that serves clients in Loveland. The company offers mortgage programs to meet the needs of first-time and experienced homebuyers, such as home purchases, refinance, and real estate portfolio diversification. Its mortgage specialists guide clients through the entire loan process, from application submission to loan closing. The team—which has over 100 years of industry experience—uses a streamlined approach with new technology and open communication to advise clients during the homebuying process.

License Verified:

License: 1902446

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 (106)
Zillow
5.0 / 5 (36)
Google
5.0 / 5 (23)

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
2815 East Harmony Road – Suite 108, Fort Collins, CO 80528
  • Refinance

Why choose this provider?

Harmony Brokers is a company that serves families in Loveland and the rest of Northern Colorado. It was founded in 2011 by Jeff Theisen, who has 25 years of experience in banking and real estate. Its team assists clients in purchasing homes, especially first-time home buyers, customers who want to get their homes listed for sale, and those looking for financing deals. Harmony Brokers is a member of the Nationwide Multistate Licensing System and Registry.

License Verified:

License: 397446

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
4.7 / 5 (24)
Zillow
4.5 / 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
Responsiveness
Friendliness
Helpfulness
Detail

Website
Loveland, CO 80537
  • Refinance

Why choose this provider?

Cindy Cliff is a mortgage professional that caters to clients in the Loveland metro. She provides mortgage refinancing services to help them pay off their existing mortgage. The agent also assists clients in acquiring fixed and adjustable rates, conforming, jumbo, and super jumbo loans. In addition, she guides clients in applying for FHA, VA, and USDA loans with terms ranging from five to 30 years. Cindy Cliff has more than 10 years of experience in the mortgage industry.

License Verified:

License: 2075376

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
3416 Windsor Ct, Loveland, CO 80538
  • Refinance
  • New Construction

Why choose this provider?

Alibel Mortgage is a brokerage firm that serves clients in Loveland and nearby areas. It offers home loan and refinancing solutions with fixed-rate and adjustable-rate mortgages. It provides different types of loans, including FHA, VA, and USDA, developing a loan program that fits the financial situation and needs of each client. The company assists with prequalification, even with clients with a bankruptcy history. One of Alibel Mortgage's brokers, Ashley Miller, has been in the industry since 2018.

License Verified:

License: 1198712

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
Zillow
4.9 / 5 (32)
Google
4.5 / 5 (16)
Facebook
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
4045 Saint Cloud Dr., #280, Loveland, CO 80538
  • Refinance

Why choose this provider?

American Liberty Mortgage Inc. – NoCo & Wyoming caters to first-time homebuyers and seasoned veterans in and around Loveland. Since 2003, the company has been offering mortgage options, such as VA, adjustable-and fixed terms, jumbo, and conventional. Its team of loan officers leverages its familiarity with the local economy in comparing mortgage rates and creating personalized loan packages. They also help clients consolidate their debt and lower their monthly payments through different refinance home loans, like HARP 2.0, FHA streamline, and DU Refi Plus programs.

License Verified:

License: 1462

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

Website
6775 E Evans Ave, Denver, CO 80224
  • Refinance

Why choose this provider?

John Zanini provides a variety of comprehensive mortgage options for clients of Universal Lending Home Loans throughout Loveland. He works alongside the brokerage's other consultants in guiding prospective homebuyers and refinancers using their understanding of local marketing conditions and lending processes. He establishes and maintains close communication with applicants to keep them informed on interest rate changes and term variations within specific mortgage plans. He has previously worked under several firms, including Pride Real Estate Lending and Centennial Loan Advisors.

License Verified:

License: 302036

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 (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
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.