Expertise.com

Best Mortgage Brokers in Macon

2024

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Providers

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Website
1075 Baxter Street Suite 104, Macon, GA 30606
  • Refinance
  • New Construction

Why choose this provider?

Simon Nwoke is a loan originator at American Financial Network, Inc., a brokerage serving Macon residents. He offers various mortgage loan options to help first-time homebuyers and real estate investors purchase homes and investment properties or refinance an existing mortgage. The financing programs include jumbo, conventional, VA, FHA, and USDA. Simon regularly communicates with clients to provide loan updates, from the application, processing, and underwriting through closing. American Financial Network blogs about sustainable home ideas, spring cleaning, and winter safety.

License Verified:

License: 193818

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 (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
3100 W Ray Rd STE 201, Office 209, Macon, GA 85226
  • Refinance

Why choose this provider?

Mitchell Tucker works as a Nexa Mortgage broker in Macon. Tucker provides home purchase loans to assist first-time and repeat homebuyers in achieving their homeownership goals. As an independent mortgage broker, he represents several lenders who offer a variety of home loans, including fixed-rate, adjustable-rate, conventional, FHA, VA, and Jumbo. He also works with borrowers who want to reduce monthly payments, shorten loan terms, or consolidate debt through mortgage refinancing. Tucker began his career in finance in 2018. He joined Nexa Mortgage in 2021.

License Verified:

License: 1878308

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)

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
Macon, GA 31216
  • Refinance
  • New Construction

Why choose this provider?

Ocmulgee Mortgage Company caters to clients looking to purchase or refinance their homes in the Macon community. Its team members provide a wide array of options for mortgages, loan products, and investment tools and offer clients individual attention to address their specific needs. They direct customers to options such as adjustable, fixed-rate, and interest-only mortgages and USDA, FHA, and jumbo loans. Its mortgage brokers navigate borrowers through the process, from pre-qualification to closing their loans.

License Verified:

License: 2025002

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 (14)

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
3747 Vineville Ave, Macon, GA 31204
  • Refinance

Why choose this provider?

MidState Mortgage Company serves first-time homebuyers and seasoned veterans in Macon and its surrounding areas. The office assists customers throughout the process of home purchasing, consolidating debt, and refinancing an outstanding loan. Its team of loan officers works with several carriers to provide clients with customized loan options. One of its members, Cindy Jones, has been working in the mortgage industry for more than 20 years. In addition, MidState Mortgage Company's website features a mortgage calculator.

License Verified:

License: 143789

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 (77)
Facebook
4.9 / 5 (65)

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
2614 Riverside Drive, Macon, GA 31204
  • New Construction

Why choose this provider?

Midtowne Mortgage provides a variety of financial solutions to borrowers in Macon. It offers government programs like FHA and VA loans, as well as refinancing for homeowners who want lower payments, shorter terms, or cash from equity. The business also assists borrowers who are 62 and up in qualifying for reverse mortgages. Company president Walter Moody has been in the financial industry since graduating with a degree in Finance with a focus on real estate and investments in 1994.

License Verified:

License: 150509

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 (74)
Facebook
5.0 / 5 (23)
Yelp
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.