Expertise.com
2024

Last updated:

Best Mortgage Brokers in Augusta

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

52

Reviewed

33

Curated

6

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
408 Silver Bluff Road, Aiken, SC 29803
  • Refinance

Why choose this provider?

Hunter Mortgage, Inc., is a mortgage firm that serves clients in Augusta. The company offers various loan programs for homebuyers and homeowners, including VA home loans, jumbo loans, FHA home loans, conventional mortgage loans, mortgage refinancing, and adjustable-rate mortgage loans. It also has direct access to Freddie Mac and Fannie Mae through the internet for conforming loans. As a mortgage broker, Hunter Mortgage can look for loan programs that suit the homeownership goals of clients.

License Verified:

License: 84595

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 (11)
Google
5.0 / 5 (3)

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
4103 Madeline Drive, Augusta, GA 30909
  • Refinance

Why choose this provider?

Veterans United Home Loans is a full-service lender located in the Augusta metro. The business primarily offers VA home loans to help veterans and military homebuyers with higher credit scores. Its loan experts also study their backgrounds and financial situations to identify their eligibility for a VA loan. Its other mortgage programs include conventional financing, FHA, refinancing, and USDA rural development loans. Veterans United Home Loans opened its doors in 2002 with only four employees providing mortgage assistance to its customers.

License Verified:

License: 1907

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.
4.0
Google
4.0 / 5 (66)
Facebook
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
243 Davis Road, Augusta, GA 30907
  • Refinance

Why choose this provider?

Augusta Mortgage Company provides its services to residents in the area and the surrounding communities. It offers a variety of loan types like fixed-rate, FHA, VA, USDA, and conventional mortgages. Additionally, it offers an adjustable-rate mortgage that can give clients more options, like when they expect to sell their property soon or when they want to afford more houses. Augusta Mortgage Company, which was established in 1976, is the city's oldest independent mortgage company. Its president, Kevin McDougal, is a residential loan specialist.

License Verified:

License: 140452

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.
4.5
Facebook
5.0 / 5 (22)
Google
4.0 / 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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
1030 Jimmie Dyess Parkway, Augusta, GA 30909
  • Refinance

Why choose this provider?

Mortgage First Augusta is a mortgage brokerage company offering ARMs for both conventional and FHA loans. Its team advises clients on the best mortgage program dependent on their unique circumstances and objectives. It offers fixed conventional loans with a term of 15 and 30 years, fixed FHA and VA with a term of 30 years, and a 30-year jumbo fixed loan. Mortgage First Augusta facilitates documentation procedures until closure. It has a pre-qualification calculator which enables prospective clients to have an overview of possible options.

License Verified:

License: 784901

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 (52)
Facebook
5.0 / 5 (17)

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
141 North Belair Road, Evans, GA 30809
  • Multi-Family Loans

Why choose this provider?

Augusta Mortgage Solutions is a mortgage broker serving residential customers in Augusta and the rest of Georgia. It provides clients looking to buy a home with a range of loan options, including conventional, FHA, and VA loans. It also offers its services to homeowners interested in refinancing their mortgages. By understanding the clients' financial situation and goals, Augusta Mortgage Solution helps in choosing the refinance program that is suitable for their customers. It is also committed to making the mortgage process smooth and customer-centered.

License Verified:

License: 148529

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 (6)
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
217 Davis Road, Augusta, GA 30907
  • Refinance

Why choose this provider?

Serving Augusta and the surrounding areas, First Choice Mortgage offers an array of mortgage options for first-time home buyers and refinance customers. This full-service mortgage lender and broker has been in the business for almost three decades. Its mortgage programs include USDA, FHA, VA, self-employed bank statement, and streamline refinance loans. The professionals at First Choice Mortgage help clients find the right loan for their needs. They also provide clients with progress reports and regular loan updates.

License Verified:

License: 148371

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.
4.0
Google
4.0 / 5 (37)
Facebook
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

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.