Expertise.com

Best Mortgage Brokers in Stamford

2024

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Website
80-02 Kew Gardens Road, Kew Gardens, NY 11415
  • Refinance

Why choose this provider?

R&J Capital offers mortgage brokerage services in Stamford and the surrounding areas. Its services, extending to several states such as New Jersey, Connecticut, and Florida, include home purchase, home refinancing, and home equity options. The company's products include hybrid ARMs, HARP 2.0, FHA loans, VA loans, interest-only Mortgages, and reverse mortgages. R&J Capital uses technology to expedite the mortgage process and make useful tools accessible to its clients. Over the years, the company has closed transactions worth more than $1-billion.

License Verified:

License: 183264

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
Facebook
4.0 / 5 (74)
Google
5.0 / 5 (3)

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
118-18 101st Avenue, Richmond Hill, NY 11419
  • New Construction

Why choose this provider?

Omni Mortgage serves individuals in Stamford and the neighboring communities. It works with a network of third-party providers and assists clients in loan applications using an automated underwriting and mortgage processing system. The company offers loans with fixed- and adjustable-rate options. Additionally, its programs include VA and FHA, as well as reverse mortgages. It also handles refinancing for homeowners who want to consolidate debt, generate cash income through home equity, or reduce monthly mortgage fees. Omni Mortgage is an Equal Housing Lender as well.

License Verified:

License: 20542

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 (16)

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
255 Executive Drive, Plainview, NY 11803
  • Refinance

Why choose this provider?

Mortgage Wealth Advisors helps the residents of Stamford find mortgage products that match their needs. The mortgage broker maintains a network of lenders to offer a variety of loans, such as reverse mortgages, mortgage refinance, and jumbo loans. Its mortgage planning approach considers clients' short and long-term objectives while coordinating their other financial instruments. Mortgage Wealth Advisors also assists investors in diversifying their portfolios. President Warren Goldberg is a certified mortgage planning specialist who has been in the industry since 1992.

License Verified:

License: 848753

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.
4.6
Google
5.0 / 5 (50)
Facebook
4.0 / 5 (36)
Yelp
5.0 / 5 (3)

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
63 Youngs Hill Road, Huntington, NY 11743
  • New Construction
  • Refinance
  • Multi-Family Loans

Why choose this provider?

Mortgage Cube, owned by Gabriel Ciccone, is a mortgage brokerage that assists clients in the Huntington and Stamford areas with achieving their short-term and long-term financial goals through an array of loan products. Its scope of work includes ARM loans, reverse mortgages, VA loans, FHA loans, and commercial mortgages. The company also assists clients in fixing their credit issues through its Back on Track program. In addition, Mortgage Cube's staff can immediately detail what financing options the client can avail of through its financial fitness review service.

License Verified:

License: 36671

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 (2)

Website
134 4th Avenue, Bay Shore, NY 11706
  • Refinance
  • Reverse Mortgages

Why choose this provider?

Artisan Mortgage is a mortgage broker company that provides personalized mortgage options to clients in the Stamford area. The team of mortgage brokers guides each client through a streamlined process from pre-qualification up to closing. The company has access to different lenders and mortgage programs such as reverse mortgages, VA loans, and jumbo loans. With over 20 years of experience in the mortgage industry, president Jim Barry applies his knowledge on originating a customized loan program for his clients.

License Verified:

License: 23084

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 (63)
Zillow
5.0 / 5 (16)
Yelp
5.0 / 5 (5)

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
178 Trinity Pass Road, Pound Ridge, NY 10576
  • Reverse Mortgages

Why choose this provider?

North Atlantic Mortgage Corp. is a mortgage brokerage serving clients in Stamford, Long Island, and the surrounding areas. It specializes in guiding residential and commercial real estate clients. Its mortgage brokers provide assistance in a variety of mortgage programs, such as fixed-rate, adjustable-rate, no point, and blanket loans. The company also handles construction loans for home construction, remodeling, or renovation projects. North Atlantic Mortgage has regular appearances on Fox News, Bloomberg TV, Business Week, and CNBC.

License Verified:

License: 1375

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
5.0 / 5 (25)
Google
4.0 / 5 (6)
Facebook
5.0 / 5 (5)

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.