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Best Mortgage Brokers in Lakeland

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2023
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American Liberty Mortgage Inc Lakeland, FL logo

License Verified:

License: 1462

Nationwide Multistate Licensing System and Registry

American Liberty Mortgage Inc Lakeland, FL

402 S Kentucky Ave #310, Lakeland, FL 33801
  • Refinance

Business Description

American Liberty Mortgage Inc. in Lakeland is a firm focusing on brokerage transactions, loan program applications, and refinancing solutions. It caters to current homeowners, first-time home buyers, and investors looking to secure a home loan for purchases, renovations, and emergency expenses. Its loan programs include FHA streamline, reverse mortgage, jumbo loans, FHA 203(k) streamline, and debt consolidation. American Liberty Mortgage is headed by Seth Gallaher, who has been a loan originator for nearly two decades.

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
Google
4.9 / 5 (59)
Facebook
5.0 / 5 (46)
Yelp
5.0 / 5 (2)

(+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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
BestWay Mortgage logo
Visit WebsiteWebsite

License Verified:

License: 1060907

Nationwide Multistate Licensing System and Registry

BestWay Mortgage

Visit WebsiteWebsite
231 N Kentucky Ave, Lakeland, FL 33801
  • New Construction

Business Description

BestWay Mortgage serves home and investment buyers in Lakeland and nearby locations. Its loan officers assist residents in selecting the most suitable loan option based on their needs. It considers a variety of factors when helping clients obtain pre-approval, including required documents, monthly income and expenses, credit score, and downpayment funds. It also provides a selection of loans, such as USA, FHA, and VA mortgages. The company's website has a mortgage calculator that aids clients in making computations.

License Verified:

License: 1060907

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
Facebook
5.0 / 5 (13)
Google
5.0 / 5 (5)
Yelp
4.0 / 5 (4)

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
Compass Mortgage LLC logo
Visit WebsiteWebsite

License Verified:

License: 322254

Nationwide Multistate Licensing System and Registry

Compass Mortgage LLC

Visit WebsiteWebsite
705 East Orange Street, Lakeland, FL 33801
  • Refinance

Business Description

Compass Mortgage LLC is a locally owned and operated business serving the Lakeland metro and nearby areas. Its team caters to individuals and families who want to refinance a home or acquire a mortgage loan. The full-service brokerage firm provides a wide selection of loan programs to help clients purchase their dream investment properties. It processes FHA, VA, reverse, jumbo, and conventional fixed-rate mortgage loans. Compass Mortgage has been in the industry for more than 15 years.

License Verified:

License: 322254

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 (588)
Facebook
4.7 / 5 (30)
Zillow
5.0 / 5 (4)

(+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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Florida Mortgage Pros LLC logo
Visit WebsiteWebsite

License Verified:

License: 1688623

Nationwide Multistate Licensing System and Registry

Florida Mortgage Pros LLC

Visit WebsiteWebsite
2031 E Edgewood Dr, Suite 3, Lakeland, FL 33803
  • New Construction
  • Refinance

Business Description

Florida Mortgage Pros LLC serves first-time homebuyers and property owners in the Lakeland metro and the surrounding communities. The company handles residential mortgages, commercial loans, and refinancing. Its representatives assist clients with initial fixed-rate loans and adjustable-rate mortgages for residential properties. Its team also helps purchase offices, warehouses, retail and apartment buildings, and manufacturing facilities for commercial clients. The business offers a flexible 2nd home program available to self-employed individuals, foreign nationals, and first-time homebuyers.

License Verified:

License: 1688623

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 (3)
Zillow
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Landmark Mortgage & Associates Inc. logo
Visit WebsiteWebsite

License Verified:

License: 336880

Nationwide Multistate Licensing System and Registry

Landmark Mortgage & Associates Inc.

Visit WebsiteWebsite
110 E Pine St, Lakeland, FL 33801
  • Refinance
  • New Construction

Business Description

Landmark Mortgage & Associates Inc. is a broker serving Lakeland. Its home loan products range from conforming fixed-rate, adjustable-rate, and long-term mortgages to USDA, FHA, and FHA 203(k) options for first-time homebuyers. VA loans are also available for veterans, reservists, and active military members. Landmark’s mortgage specialists help customers decide based on factors like their financial circumstances and future plans for the house. The team is led by Taylor Caffey, who has been working in the industry for over 20 years.

License Verified:

License: 336880

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
5.0 / 5 (45)
Google
4.7 / 5 (12)
Yelp
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
Loantrust Mortgage logo

License Verified:

License: 1501679

Nationwide Multistate Licensing System and Registry

Loantrust Mortgage

1258 Scottsland Dr., Lakeland, FL 33813
  • Refinance

Business Description

Loantrust Mortgage is a Lakeland-based company that has been providing residents with various mortgage options for over two decades. It offers mortgages with fixed and adjustable rates alongside government-backed programs like VA, FHA, and USDA loans. Clients can fill out the company's pre-approval request to receive mortgage options with different interest rates and terms tailored to their specific criteria and financial circumstances. Its insurance professionals also assist prospective policyholders in comparing and choosing from their list of available mortgage options.

License Verified:

License: 1501679

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 (11)
Facebook
5.0 / 5 (9)

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
McWhorter Mortgage LLC logo
Visit WebsiteWebsite

License Verified:

License: 1486483

Nationwide Multistate Licensing System and Registry

McWhorter Mortgage LLC

Visit WebsiteWebsite
200 E Tillman Ave, Lake Wales, FL 33853
  • Refinance

Business Description

McWhorter Mortgage LLC is a consultancy firm that serves clients in Lakeland and the surrounding communities. It assists those buying their first and investment homes and people looking to consolidate debt or refinance an existing mortgage. It offers loan types for single-family and multi-family homes, townhouses, and condominiums, such as jumbo, conventional, FHA, and VA. Additionally, it provides reverse mortgage solutions to help seniors retire as they desire. McWhorter Mortgage is composed of brokers with over 60 years of combined experience.

License Verified:

License: 1486483

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
Zillow
5.0 / 5 (65)
Google
4.8 / 5 (46)
Facebook
5.0 / 5 (45)

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
PRMG Winter Haven logo

License Verified:

License: 1488166

Nationwide Multistate Licensing System and Registry

PRMG Winter Haven

144 Ave. B SW, Winter Haven, FL 33880
  • Commercial Loans

Business Description

PRMG Winter Haven is a lending company that helps borrowers in Lakeland refinance or purchase their homes. The business has mortgage brokers who assist customers in getting a reverse mortgage that converts home equity into cash. It also provides various home loan products such as USDA, FHA, and VA. For borrowers planning to renovate their homes, the company offers HomeReady by Fannie Mae, Freddie Mac’s Home Possible, and Fannie Mae’s Homestyle Renovation programs. PRMG Winter Haven has been in the industry for over 20 years.

License Verified:

License: 1488166

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 (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
Robert Beshears logo
Visit WebsiteWebsite

License Verified:

License: 1710410

Nationwide Multistate Licensing System and Registry

Robert Beshears

Visit WebsiteWebsite
1723 S. Florida Avenue, Lakeland, FL 33803
  • New Construction

Business Description

Robert Beshears is a mortgage broker who serves residents in Lakeland and the surrounding areas. He guides first-time homebuyers through the home loan process, helping them gain pre-qualification or approval, obtain low-interest rates, and close their mortgages on time. He also assists people with refinancing their homes by restructuring their finances and offering options that allow them to cash out. Beshears also works with seniors looking for reverse mortgages and investment buyers who want to maximize their ROI.

License Verified:

License: 1710410

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 (27)
Facebook
5.0 / 5 (15)

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
Roost Lending logo
Visit WebsiteWebsite

License Verified:

License: 1445154

Nationwide Multistate Licensing System and Registry

Roost Lending

Visit WebsiteWebsite
2387 EF Griffin Rd, Bartow, FL 33830
  • Refinance

Business Description

Roost Lending is a local company providing personal services to homeowners, home buyers, and investors in Lakeland and the surrounding communities. The team is composed of five members, four of which are licensed loan officers. They educate clients about FHA, VA, and conventional loans, offering options based on what fits their situations. They also provide USDA loans, which help clients with a minimum credit score of 620 find homes in a USDA-eligible vicinity. Roost Lending offers bilingual services in English and Spanish.

License Verified:

License: 1445154

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 (75)
Zillow
4.9 / 5 (29)
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
The Mortgage Firm Lakeland logo
Visit WebsiteWebsite

License Verified:

License: 898090

Nationwide Multistate Licensing System and Registry

The Mortgage Firm Lakeland

Visit WebsiteWebsite
2020 Edgewood Dr S., Lakeland, FL 33803
  • Refinance

Business Description

The Mortgage Firm Lakeland is a locally owned brokerage that serves individual homebuyers, builders, and real estate professionals in the metro and the surrounding areas. Its team of loan originators assists clients in identifying which home prices they qualify for. The firm offers a wide variety of mortgage products in line with this, including USDA, FHA, VA, and conventional loans. Branch Manager Robby Sampson has been working in mortgage financing for more than two decades.

License Verified:

License: 898090

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 (578)
Facebook
4.8 / 5 (131)
Yelp
4.0 / 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
Vertical Lending logo
Visit WebsiteWebsite

License Verified:

License: 342544

Nationwide Multistate Licensing System and Registry

Vertical Lending

Visit WebsiteWebsite
290 Cypress Gardens Blvd SE, Winter Haven, FL 33880
  • Refinance

Business Description

Vertical Lending caters to Lakeland residents who need mortgages. These programs include government-backed options aimed at military veterans and agricultural real estate buyers. Reverse mortgages are on hand for aging purchasers. The company also has selections for property investors and healthcare sector professionals. Vertical Lending commenced operations in 2006 and uses the most current technological advances to simplify the borrowing process. It also operates in North Carolina and focuses on educating consumers on the finer points of loan contracts.

License Verified:

License: 342544

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
4.6 / 5 (27)
Facebook
4.8 / 5 (13)

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
Wholesale Mortgage Firm logo
Visit WebsiteWebsite

License Verified:

License: 2385938

Nationwide Multistate Licensing System and Registry

Wholesale Mortgage Firm

Visit WebsiteWebsite
909 E. Parker St., Lakeland, FL 33801
  • Multi-Family Loans

Business Description

Wholesale Mortgage Firm serves the real estate needs of families and individuals in and around Lakeland. Its team caters to military veterans, first-time homebuyers, and astute real estate investors seeking refinancing solutions. The company works with direct lenders to help clients acquire their dream residential spaces. It offers USDA, FHA, VA, jumbo, investor, and conventional loans. It also processes income statement and DSCR and ITIN loans. Wholesale Mortgage Firm has been in the industry for over a decade.

License Verified:

License: 2385938

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 (4)

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.