Expertise.com

2024

Last updated:

Best Mortgage Brokers in Deltona

Our Recommended Top 6

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

27Reviewed

18Curated

6Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
430 Summerhaven Dr Ste 100, Debary, FL 32713
  • New Construction

Why choose this provider?

Kristin Eck is the regional manager for NextMortgage. She and her team serve borrowers in Deltona and the surrounding communities, offering various loan products. These include conventional, government, and specialty loans, such as the All in One and HomeFundIt. NextMortgage is a national brand that operates in all 50 states. It has lending approvals from VA, RHS, HUD, FNMA, GNMA, and FHLMC. Its professionals also serve as financial consultants, assisting borrowers in making informed decisions.

License Verified:

License: 1020622

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 (19)
Facebook
5.0 / 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
Deltona, FL 32738
  • Refinance

Why choose this provider?

Good Friend Mortgage specializes in reverse mortgages, catering to clients in Deltona. Clay Gilchrist, its main consultant, facilitates discussions wherein he explains the processes and benefits of different loan options. He also develops personalized strategies for maximizing the advantages of home equity conversion mortgages. The brokerage was founded in 2004 by real estate finance investors, Deborah Switts and her husband, with a mission to be a company that delivers what it promises through clear communication.

License Verified:

License: 2145169

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
Friendliness
Helpfulness
Detail

Website
Deltona, FL
  • Refinance
  • New Construction

Why choose this provider?

Olivia Reese is a licensed loan originator at Sovereign Mortgage Investments, Inc. She assists first-time and investment purchasers in Deltona with the process of home purchasing and refinancing. The agent helps search for rates and loan options that match the needs and budgets of clients. Sovereign Mortgage Investments offers a variety of loans, including condo financing, one-time close construction, reverse mortgage for purchase, and VA IRRLA refinance. The company has been operating in the industry since 1994.

License Verified:

License: 1520473

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 (22)
Google
5.0 / 5 (8)

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
1540 International Parkway Suite # 2000, Lake Mary, FL 32746
  • Refinance

Why choose this provider?

Assure Home Funding gives clients in Deltona access to mortgage solutions. It works with different lenders and offers various loan programs, including conventional, FHA, VA, and jumbo. It has multiple mortgage rates available, such as fixed-rate, adjustable-rate, interest-only, and graduated payments. It provides home refinance, purchase, and reverse mortgage services. Assure Home Funding is owned by Kerry Collins, a senior loan originator and mortgage broker with over seven years of experience. He is a Certified Veterans Lending Specialist and a Certified Divorce Lending Professional.

License Verified:

License: 1879683

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 (73)

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
10 Dogwood Trail, Suite A, DeBary, FL 32713
  • New Construction

Why choose this provider?

Paramount Residential Mortgage Group, Inc., accommodates the inquiries and concerns of prospective borrowers in Deltona through its DeBary branch. For more than 20 years, its staff has been providing clients with VA, FHA, and USDA loans to help fund their house-buying and home improvement endeavors. It canvasses and modifies its potential loan recommendations based on different financial and mortgage-related factors, like credit scores, income capabilities, and local rates. PRMG also contributes charitable support to local and nationwide organizations through its philanthropic foundation, PRMG Cares.

License Verified:

License: 268800

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
4.7 / 5 (38)
Zillow
4.2 / 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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
1331 S International Parkway, Ste 2251, Lake Mary, FL 32746
  • Refinance

Why choose this provider?

Certified Mortgage Planners serves customers in and around Deltona. It focuses on creating mortgage solutions that consider the financial well-being of its clients. The firm works with borrowers to create a mortgage strategy that aligns with their short- and long-term financial objectives to lower interest costs, increase cash flow, and minimize taxes. Certified Mortgage Planner gives back to the community by supporting local food banks and organizations like Habitat for Humanity and Give Kids the World.

License Verified:

License: 210950

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
Zillow
5.0 / 5 (897)
Google
4.8 / 5 (154)
Facebook
5.0 / 5 (71)

(+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
Responsiveness
Friendliness
Helpfulness
Detail

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.