Expertise.com

2024

Last updated:

Best Mortgage Brokers in Largo, FL

Our Recommended Top 12

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

31Reviewed

23Curated

12Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1600 W Bay Dr, Largo, FL 33770
WebsiteLicense: 324329

Expertise.com Rating

Review Sources

Google
5.0 (305)
Facebook
5.0 (32)
Yelp
3.0 (2)

Why choose this provider?

DDA Mortgage Inc. is a locally owned and operated business serving Largo residents. For more than 20 years, its team has been helping families and individuals achieve their dream homeownership through its selection of mortgage solutions. The company offers various mortgage programs to allow buyers and investors to acquire different types of investment properties. It processes USDA, FHA, VA, and 203k streamline loans. One of the agency's loan officers, Didier Malagies, has been in the mortgage industry for over three decades.

  • Refinance

4590 Ulmerton Road, Suites 115, 116, 117, & 119, Clearwater, FL 33762
WebsiteLicense: 1783744

Expertise.com Rating

Review Sources

Zillow
4.7 (541)
Google
5.0 (48)
Facebook
5.0 (1)

Why choose this provider?

PRMG Clearwater offers mortgage brokerage services to residents in Largo. It is part of the greater Paramount Residential Mortgage Group, whose reach extends to clients in California. The company's loan options include Freddie Mac and Fannie Mae products with subcategories fit for home renovation projects. It also has government-backed choices that are tailored to military service personnel and civilians with reduced credit scores. PRMG Clearwater is a privately-held establishment that runs its own PRMG Cares, an initiative that donates to charities.

  • Refinance

5324 Dr., Martin Luther King Jr. Street N Suite B, St. Petersburg, FL 33703
WebsiteLicense: 2353323

Expertise.com Rating

Review Sources

Google
5.0 (93)
Facebook
5.0 (34)

Why choose this provider?

Savvy Mortgage Lending caters to clients across the Largo metro and the surrounding areas. The company offers various mortgage loan programs to help individuals and families purchase their first, investment, or vacation homes. These loan programs include jumbo loans, which allow clients to obtain higher loans than the standard conforming loans. One of its owners, Tracie Mayo, is a mortgage originator and mortgage planning specialist. Prior to her mortgage career, Tracie worked for over 21 years at the US postal services.

  • Refinance
  • New Construction

10658 Seminole Blvd., Seminole, FL 33778
WebsiteLicense: 947730

Expertise.com Rating

Review Sources

Google
5.0 (20)
Zillow
5.0 (8)

Why choose this provider?

Lincoln Financial Mortgage helps individuals and families in Largo achieve their homeowning goals. The company offers purchase and refinance loans for various scenarios, such as fixed-rate, FHA, USDA, Jumbo, and VA loans. Understanding that financing needs are unique, its staff gives each client individual attention to determine the ideal loan program with interest rates and closing fees within their budget. The company leverages technology that lets clients pre-qualify and apply for a home loan online and compare their choices with interactive calculators.

  • Refinance

823 Court St, Clearwater, FL 33756
WebsiteLicense: 921372

Expertise.com Rating

Review Sources

Google
5.0 (102)
Facebook
4.8 (15)

Why choose this provider?

Clearwater Mortgage is a family-operated business serving Largo and nearby areas. With access to programs from different lenders, its team is able to find suitable options to meet clients' individual needs. Some of the products it offers are jumbo, conventional, and FHA loans. The company also has access to reverse mortgages, private loans, and downpayment assistance programs. Clearwater Mortgage was established in 2012 by husband and wife Sandy and Scott Chinchar, who have been working in the mortgage industry since 1999.

  • New Construction
  • Refinance

11380 66th St N, Suite 135, Largo, FL 33773
WebsiteLicense: 1858753

Expertise.com Rating

Review Sources

Google
4.8 (45)
Facebook
5.0 (5)

Why choose this provider?

Sunshine Mortgage Brokers offers a variety of loan solutions to clients residing in and around the Largo metro. Its loan options include fixed-rate programs with terms of 15 to 30 years and government-backed choices that are fit for farmers and military veterans. Refinancing is available for individuals with needlessly burdensome debts. It also has online tools and resources for dispensing preliminary information before formally meeting with advisors. Sunshine Mortgage Brokers implements measures to accommodate individuals with disability.

  • Refinance

7411 114th Ave. Suite 301, Largo, FL 33773
WebsiteLicense: 4566

Expertise.com Rating

Review Sources

Facebook
4.8 (35)
Yelp
5.0 (2)

Why choose this provider?

Access Reverse is a team of reverse mortgage specialists serving customers in Largo. The company has learning resources on its website to educate the public on the finer points of reverse mortgages. It focuses on the elderly members of the community, and its founders, Mac and Pamela Tennant, wish to encourage seniors to utilize federally insured programs. Open since 2005, Access Reverse gives back to the community and supports anti-Alzheimer's initiatives like the Walk to End Alzheimer's.

  • Refinance

759 SR 580 Suite 114, Clearwater, FL 33761
WebsiteLicense: 365627

Expertise.com Rating

Review Sources

Google
5.0 (17)

Why choose this provider?

Unconventional Lending addresses the mortgage needs of individuals and families in and around Largo. It specializes in processing non-traditional and unconventional lending programs to help clients achieve their dream home properties. The direct lender offers a wide selection of mortgage products, including private-client, VA, FHA, conventional, foreign national, and bank statement loans. It also guides clients in acquiring non-QM, cannabis, and asset-based loan programs. The company's loan originator, Direk Bissen, has been in the banking and financial services industry for over two decades.

  • Refinance

17717 Hunting Bow Circle, Lutz, FL 33558
WebsiteLicense: 336647

Expertise.com Rating

Review Sources

Google
5.0 (16)
Facebook
5.0 (14)

Why choose this provider?

Clearwater Mortgage Broker has been dealing with the housing-related problems of families, couples, and individuals in the Largo metro for more than 25 years. The company helps clients get their dream residential property by offering various loan solutions. Owner Ruth Schoenherr and her team assist their clients from pre-approval to the closing stage of the loan process. They also offer a range of refinancing programs for those who want to get lower monthly payments and interest rates.

  • Refinance

1275 Cleveland St., Clearwater, FL 33755
WebsiteLicense: 1903820

Expertise.com Rating

Review Sources

Facebook
5.0 (5)

Why choose this provider?

Tampa Bay Home Mortgage caters to clients in Largo. It offers a variety of financing solutions to individuals who want to buy or build a house or relocate to a new place, as well as those who want to refinance a home loan. Its specialists help clients compare mortgage interest rates and terms and choose the proposal that meets their needs. The team uses various tools, including a debt-to-income calculator, to determine whether clients are eligible for loans.

  • Refinance

13129 66th Street, Largo, FL 33773
WebsiteLicense: 327908

Expertise.com Rating

Review Sources

Google
4.8 (76)
Facebook
4.3 (23)
Yelp
4.0 (6)

Why choose this provider?

Integrity Financial Services serves clients throughout the Greater Largo metro. It offers various residential and commercial loans, including VA, FHA, jumbo, USDA, working capital, and construction loans. It also helps customers seeking to lower their interest rates and monthly payments, pull cash out from their home's equity, or modify their loan terms by providing them with various refinancing options such as rate-and-term and cash-out. The company's team carries more than 50 years of collective experience in the industry.

  • Refinance

9800 4th St N Ste 200, St. Petersburg, FL 33702
WebsiteLicense: 2354221

Expertise.com Rating

Why choose this provider?

Legacy Mortgage Loans offers its services to locals in Largo. It connects borrowers through its network of lenders. The staff aids clients with various requirements, such as buying a home or learning about refinancing options. It assists clients in acquiring VA, FHA, USDA, and conventional loans. The company's CEO, Sean Davitt, has been in the mortgage industry for over a decade. Its team uses industry-standard technology to help clients in obtaining the loan they need.

  • Refinance

Compare our Top Mortgage Brokers

NameExpertise RatingAddressPromotionsLearn more
DDA Mortgage Inc.
1600 W Bay Dr, Largo, FL 33770
PRMG Clearwater
4590 Ulmerton Road, Suites 115, 116, 117, & 119, Clearwater, FL 33762
Savvy Mortgage Lending
5324 Dr., Martin Luther King Jr. Street N Suite B, St. Petersburg, FL 33703
Lincoln Financial Mortgage
10658 Seminole Blvd., Seminole, FL 33778
Clearwater Mortgage
823 Court St, Clearwater, FL 33756
Sunshine Mortgage Brokers
11380 66th St N, Suite 135, Largo, FL 33773
Access Reverse
7411 114th Ave. Suite 301, Largo, FL 33773
Unconventional Lending
759 SR 580 Suite 114, Clearwater, FL 33761
Clearwater Mortgage Broker
17717 Hunting Bow Circle, Lutz, FL 33558
Tampa Bay Home Mortgage
1275 Cleveland St., Clearwater, FL 33755
Integrity Financial Services
13129 66th Street, Largo, FL 33773
Legacy Mortgage Loans
9800 4th St N Ste 200, St. Petersburg, FL 33702

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.