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Best Mortgage Brokers in Palm Bay

2024

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Providers

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Website
6050 Babcock Street Suite 27, Palm Bay, FL 32909
  • Refinance

Why choose this provider?

Harmony Mortgage Inc. is a full-service mortgage company that caters to clients in Palm Bay and surrounding areas. The company offers various loan programs such as down payment assistance, fixed-rate mortgages (FRM), and adjustable-rate mortgages (ARM). It also provides reverse mortgages, allowing senior homeowners to convert a part of their home equity into cash. Jason Carrasquillo, a mortgage loan originator, has been in Happy Mortgage for more than 16 years but has worked in credit repair and financial services since 1997.

License Verified:

License: 1057728

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
4.6 / 5 (10)

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 S Harbor City Blvd, Melbourne, FL 32901
  • Residential Mortgages

Why choose this provider?

Dyer Mortgage is a local lending firm serving Palm Bay. It is a division of the Primary Residential Mortgage Incorporated. Its founder, Bobbie Dyer, has been in the industry for over 28 years. He offers jumbo, FHA, and VA loans, in addition to adjustable- and fixed-rate mortgages. Dryer also has custom loan options for self-employed individuals. He serves as a member of the MBA, HBCA, and NAHREP. Dryer is also involved in local organizations, such as the Scott Center for Autism.

License Verified:

License: NMLS 3094

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 (178)

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
1370 Highway A1A Ste. A, Satellite Beach, FL 32937
  • Home Loans
  • Refinance
  • Home Purchase
  • Debt Consolidation

Why choose this provider?

Home Lending Source offers a variety of mortgage options to help consumers in and around Palm Bay purchase the home of their dreams. It helps clients seeking to purchase or refinance residential properties such as single or multi-family homes, condominiums, townhouses, and manufactured homes. Additionally, mortgage brokers at the firm offer various loan programs such as FHA, VA, jumbo, and USDA loans. Clients may also choose among fixed-rate, adjustable ARM, interest-only, and graduated payments for a preferred mortgage rate.

License Verified:

License: 1850777

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 (29)

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
7115 Turner Road, Rockledge, FL 32955
  • Refinance

Why choose this provider?

Certified Mortgage Planners is a local company that serves the residents of Palm Bay and the neighboring metros. It offers conventional, renovation, VA, FHA, USDA, and jumbo mortgage loans for clients who are looking to purchase a home, consolidate debts, or refinance outstanding loans. The business also caters to active and reserve military personnel, home renovators, luxury home buyers, and investors. Its owner, Ashley Stockrahm, has been delivering mortgage solutions for more than 15 years.

License Verified:

License: 1393960

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 (895)
Facebook
4.8 / 5 (29)
Google
5.0 / 5 (18)

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
1009 Atlantic St, Melbourne Beach, FL 32951
  • Home Loans

Why choose this provider?

Satori Mortgage provides services to individuals in Palm Bay and the nearby areas. It is available to help clients purchase their desired homes by guiding them in applying for mortgage loans programs. Satori Mortgage assists clients in refinancing their mortgage loan policies suitable for their current or future financial goals. It also serves military veterans who wish to refinance their primary residences, investment properties, or vacation homes. The company's team brings over two decades of experience in the field.

License Verified:

License: 4190

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 (49)
Facebook
4.7 / 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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
321 Ocean Ave , Suite 101, Melbourne Beach, FL 32951
  • Refinance

Why choose this provider?

The Mortgage Firm - Melbourne Beach, FL offers a variety of loan programs to individual homebuyers, builders, and real estate professionals in Palm Bay. It handles conventional home loan options, including fixed-rate and 10- to 30-year terms to finance primary or second homes. Its agents also provide FHA, VA, USDA, and jumbo home loans, as well as reverse mortgages. The Mortgage Firm has been in operation for over 25 years, serving communities in several states, including California, Georgia, and Washington.

License Verified:

License: 359690

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 (323)
Zillow
5.0 / 5 (29)
Yelp
5.0 / 5 (7)

Website
930 S Harbor City Boulevard, Suite 501, Melbourne, FL 32901
  • Refinance
  • Home Loans
  • Purchase Loans

Why choose this provider?

Julio Paneto is a mortgage loan advisor for Hamilton Home Loans. He caters to clients in Palm Bay, offering mortgage products like USDA and conventional loans and Veterans Affairs financing. He also brokers jumbo loans for customers looking to buy luxury homes, and reverse mortgages for more senior clients. Julio guides throughout the mortgage process and helps borrowers find the right loan for their specific needs. He has a thorough knowledge of Florida markets, gained from over 12 years of mortgage experience.

License Verified:

License: 1019154

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 (110)
Facebook
4.9 / 5 (57)
Google
5.0 / 5 (40)

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
150 Coconut Dr. Suite #202, Indialantic, FL 32903
  • Reverse Mortgages

Why choose this provider?

Assurance Home Loan Inc. is a locally owned and operated company that has been serving clients in Palm Bay and the surrounding communities since 1990. It offers FHA, VA, and conventional loans, as well as mortgage refinancing. It provides fixed-rate, initial fixed-rate, and adjustable-rate mortgage options. In addition, its team assists clients aged 62 and above in obtaining reverse mortgage loans. One of its brokers, John Sorgenfrei, has been in the mortgage industry for more than three decades.

License Verified:

License: 345907

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
Google
4.8 / 5 (21)

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
1740 Sarno Rd, Melbourne,, Palm Bay, FL 32935
  • Refinance

Why choose this provider?

Oceans Lending LLC is a comprehensive real estate mortgage company that offers services to residential and commercial clients in Palm Bay. It offers financing for new homes and investment properties, as well as refinancing and home equity loans. Its mortgage programs include 30-year fixed-rate mortgages, reverse mortgages, renovation loans, and FHA, VA, and USDA loans. The firm also serves other states, including California, Colorado, Delaware, New Jersey, and North Carolina. Oceans Lending LLC supports the Sea Turtle Conservancy.

License Verified:

License: 1470464

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
4.5 / 5 (29)
Facebook
4.5 / 5 (29)
Zillow
5.0 / 5 (23)

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
1790 Highway A1A Suite 10, Satellite Beach, FL 32937
  • Refinance

Why choose this provider?

Atlantic Mortgage Services, Inc has been serving home buyers in Palm Bay and nearby areas since 1989. It assists those looking to buy and finance residential and commercial properties, including single-family or multi-family homes, new construction, and existing structures. The company offers fixed-rate, adjustable-rate, senior, FHA, VA, and conventional loans. Additionally, it provides balloon mortgages with extension options. Atlantic Mortgage Services is owned by Dan Overstreet, a native Floridian who is a member of The Association of Mortgage Professionals.

License Verified:

License: 353421

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.
4.3
Google
3.9 / 5 (16)
Facebook
5.0 / 5 (10)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
980 Hammond Drive, Suite 200​, Palm Bay, FL 30328
  • Refinance

Why choose this provider?

Established in 2011, Angel Oak Home Loans is a full-service lender that provides mortgage loan products to the locals of Palm Bay. It offers traditional mortgage products, such as conventional, FHA, USDA, and VA home loans. Clients can also ask about portfolio non-QM mortgage products, such as bank statement loans, investor cash flow loans, asset qualifier loans, and portfolio home loans. Angel Oak's lending approach comprises two platforms, retail and consumer-direct, which both follow an operational workflow designed for a quick closing.

License Verified:

License: 685842

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

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.