Expertise.com

2024

Last updated:

Best Mortgage Brokers in Westminster

Our Recommended Top 7

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

34Reviewed

23Curated

7Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
Westminster, CO
  • VA Specialists
  • Purchase
  • First Time Homebuyer
  • New Construction
  • Refinance

Why choose this provider?

Uptown Mortgage is a locally owned Colorado brokerage that has been serving clients in Westminster since 2000. The company assigns a dedicated loan originator for each client. The loan originator performs a range of duties, including explaining the process, showing different loan options, and conducting credit report assessment and automated underwriting system verification, to help individuals achieve their homeownership goals. It has helped property buyers seeking conventional and jumbo loans. Uptown Mortgage also offers non-qualified mortgages to self-employed borrowers that require documents like bank statements. Founder Lara Jern has over two decades of industry experience.

License Verified:

License: 167768

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
Yelp
5.0 / 5 (79)

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

Price: Call for quote

Westminster, CO

Why choose this provider?

Need help contacting a Mortgage Broker in Westminster? 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.

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

Price: Free booking service | Call 848.Book.Pro!

Website
600 17th Street, Denver, CO 80202
  • Refinance
  • Purchase Transactions
  • Purchase

Why choose this provider?

5280 Financial Group is a family-owned mortgage company that provides financial solutions to clients in Westminster and the surrounding communities. It offers VA and FHA home purchase mortgages, FHA streamline refinancing, and cashout loans. Its team also provides fixed-rate mortgage options with repayment terms of either 15 or 30 years. Adjustable-rate mortgage loans are available as well. Troy Bowen, the company's president, has been in the mortgage industry for more than 17 years.

License Verified:

License: 191868

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 (107)
Facebook
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

Website
2861 Canyon Crest Drive, Highlands Ranch, CO 80126
  • Refinance
  • Purchase and Renovation Loans

Why choose this provider?

Evan Pappas is a residential mortgage loan originator who works for C2 Financial Corporation. Serving Westminster and its surrounding areas, Evan assists clients in buying or refinancing homes and works with more than 1,000 banks for custom financial solutions. As a mortgage broker, he helps individuals understand their loan options, including mortgages with terms of 12, 17, or 25 years. A previous client commended Evan for his constant communication throughout the loan process and compliance with strict customer timelines.

License Verified:

License: 1485099

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)

Website
12412 York Street, Thornton, CO 80241
  • Refinance

Why choose this provider?

Jeremy Anderson is a loan officer at Lockstep Mortgage, serving clients in Westminster. Anderson caters to first-time and move-up homebuyers, investment buyers, and clients planning to refinance their homes. He strives to provide clients with open communication throughout the process and aims to close clients' loans on time. Anderson previously worked as a loan officer assistant for Guild Mortgage and a broker for MODUS Real Estate Denver. Moreover, he is a member of the Arvada Chamber of Commerce and Mortgage Professionals.

License Verified:

License: 1051939

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 (25)
Facebook
5.0 / 5 (7)

Website
1333 West 120th Avenue, Westminster, CO 80234
  • New Construction
  • Refinance
  • Reverse Mortgages

Why choose this provider?

Excel Financial Group, LLC is a mortgage broker that serves clients in Westminster. The company guides clients in choosing the right mortgage loans with the best interest rates. It offers a wide range of services such as refinancing, new home purchase, reverse mortgage, and debt consolidation. Its team of professional brokers is well-versed in handing conventional, conforming, fixed-rate, FHA, VA, and jumbo loans. Owned by Bryan Emmett, this company has been providing its services to the community for more than 50 years.

License Verified:

License: 389894

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
1932 West 33rd Avenue, Denver, CO 80211
  • Refinance
  • Reverse Mortgages

Why choose this provider?

American Liberty Mortgage Inc. is a locally owned and operated mortgage company that serves Westminster and the surrounding areas. Its mortgage professionals help clients in refinancing an existing home loan and in consolidating high-interest debt. They also provide assistance in a range of loan programs, including conventional, reverse mortgage, FHA, VA, and jumbo loans. Additionally, the firm offers hard money and Colorado home loans. American Liberty Mortgage produces podcast episodes that share information and inspiration about financial literacy.

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.
4.0
Google
4.0 / 5 (180)

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.
3.7
Responsiveness
Friendliness
Helpfulness
Detail
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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.