Expertise.com

Best Mortgage Brokers in Palm Coast

2024

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Website
13475 Atlantic Blvd Suite 8, Palm Coast, FL 32225
  • Refinance

Why choose this provider?

TheFloridaMortgageCenter.com serves as the online portal for Steve Verrier the southern region representative. Although based in JAX, ANE Lending LLC serves borrowers the entire state of FL who want to borrow in Palm Coast and the surrounding locations who want to consolidate their debts, purchase homes, or refinance their current home loans. It provides a wide selection of loan programs based on clients' goals, including conventional, FHA, VA, and reverse mortgages. It also offers non-QM mortgage products to people whose loan goals fall outside of the agency guidelines. Steve Verrier, the company's mortgage loan originator, is a member of the Flagler County Association of Realtors. NMLS# 228111 and NMLS # 1999497

License Verified:

License: 228111

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 (28)
Zillow
5.0 / 5 (27)
Google
5.0 / 5 (11)

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
1030 Palm Coast Parkway #3, Palm Coast, FL 32137
  • Refinance

Why choose this provider?

Community Mortgage Solutions caters to clients in Palm Coast and the surrounding areas. It specializes in helping first-time home buyers apply for various loan options, including VA and FHA. It also offers 30-year loans for individuals wishing to have fixed-rate mortgages. Its team also provides jumbo loans to individuals needing maximum funds for their home purchasing needs. Community Mortgage Solutions is a family-owned business. Its president, Blair Lamphier, has been in the mortgage industry since 2004.

License Verified:

License: 327573

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
4.7 / 5 (44)
Google
4.9 / 5 (34)
Zillow
5.0 / 5 (28)

(+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

Website
25 Old Kings Rd N Ste 3A, Palm Coast, FL 32137
  • Refinance

Why choose this provider?

Pillar Mortgage, L.L.C., handles the needs of first-time residential property buyers and seasoned real estate investors across the Palm Coast area. The company provides customers with various mortgage solutions and products, including conventional, USDA, FHA, and VA loan programs. It also offers customers jumbo and non-qualifying mortgage loans for investors seeking to purchase rental properties or vacation homes. Its team of mortgage professionals and originators shares more than five decades of experience in the mortgage industry.

License Verified:

License: 330525

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
4.6 / 5 (18)
Google
5.0 / 5 (16)
Zillow
5.0 / 5 (15)

(+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

Website
33 Boulder Rock Dr, Palm Coast, FL 32137
  • Refinance
  • New Construction

Why choose this provider?

Biznal Mortgage is a brokerage business serving Palm Coast homeowners and home buyers with refinancing and loans. It offers an online application process and a mortgage calculator that provides various details, including amortization paydown, total interest paid, amount, structure, total payments, and monthly dues. It helps with the steps in the lending system, which entails application, processing, and closing. Biznal Mortgage accepts clients with a minimum credit score of 500 instead of the usual 620. It operates in all Florida counties, including Bradford, Baker, and Alachua.

License Verified:

License: 1785427

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 (28)
Facebook
5.0 / 5 (3)

Website
4871 Palm Coast Parkway NW, Unit 5, Palm Coast, FL 32137
  • Refinance

Why choose this provider?

Saltwater Funding serves clients in Palm Coast who want to apply for mortgage loans. Its team provides assistance on different programs, including VA, USDA, FHA, HARP, conventional, and jumbo loans. It also helps in refinancing various types of properties, such as condos, single-family and manufactured homes, and townhouses. The broker's loan process includes finding out how much clients can borrow, selecting the right program, making the application, processing the documents, and closing the deal. Different mortgage calculators are available on the business's website.

License Verified:

License: 1540502

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 (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

Website
408 S Central Ave, Flagler Beach, FL 32136
  • Refinance
  • New Construction

Why choose this provider?

Josh McPherson is a loan officer with American Home Mortgage Group, providing solutions to individuals and families in Palm Coast. He offers FHA, VA, and jumbo loan programs with fixed rates. He provides loan advice and performs strategic mortgage analysis with proper planning to keep borrowers on track for closings. McPherson works with clients who are refinancing, buying their first home, upsizing, or downsizing. He has been working in the industry for over five years.

License Verified:

License: 1812447

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 (51)
Google
5.0 / 5 (44)

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
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Website
31 Lupi Ct Ste 120, Palm Coast, FL 32137
  • Refinance

Why choose this provider?

Capstone Mortgage serves the needs of families, singles, veterans, retirees, first-timers, and experienced investors throughout Palm Coast. Its loan officers work closely with clients in finding, comparing, and choosing loan programs that meet their particular needs and goals. These programs include FHA, VA, USDA, jumbo, and fixed-rate mortgages. In addition, it can provide low down payment loan programs for clients who are not ready for a sizable down payment. Refinancing options are also available for homeowners seeking to cash out or lower monthly payments.

License Verified:

License: 1871246

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

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
5 Utility Drive Suite 2F, Palm Coast, FL 32137
  • Refinance

Why choose this provider?

Patriotic Mortgage Services, LLC, deals with clients throughout Palm Coast. The company assists first-time homebuyers and real estate investors on mortgage application matters. Its loan options include programs backed by the VA and FHA. For homeowners looking to lower their monthly payments or shorten their loan terms, the company advises them through the refinancing process. It maintains a website that contains the Learning Center, which educates clients on a variety of topics, ranging from industry terms to loan affordability.

License Verified:

License: 1773012

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 (41)
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
4863 Palm Coast Pkwy NW #4, Palm Coast, FL 32137
  • Refinance
  • New Construction

Why choose this provider?

BestWay Mortgage offers loan programs for purchases and refinancing for clients in Palm Coast. Its team handles loan products such as VA, FHA, USDA, and 3% down home ready. Its loan officers provide customer communication throughout the process. They assist them to identify monthly income, available funds for a down payment, monthly expenses, and credit scores. The company's goal is to provide a simple process for its clients by providing them with a complete list of requirements needed for a smooth transaction.

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.
4.9
Zillow
4.9 / 5 (15)
Google
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
5615 State Rte 100 Suite 118, Palm Coast, FL 32164
  • Multi-Family Loans

Why choose this provider?

Heroes First Home Loans is a division of Churchill Mortgage Corporation. It caters to former and active military, police, firefighters, healthcare, civil service, and ministry members in and around Palm Coast. The team assists clients in purchasing a home, refinancing a mortgage, and a two-tier program to protect themselves from accidental death and dismemberment. Heroes First gives back to the unsung heroes by helping them minimize the costs of their mortgages when they buy or refinance a home.

License Verified:

License: 1955304

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 (25)

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.