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2024

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Best Mortgage Brokers in Charlotte, NC

Our Recommended Top 19

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

185Reviewed

118Curated

19Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

8832 Blakeney Professional Drive, Charlotte, NC 28277

Expertise.com Rating

Review Sources

Google
5.0 (346)
Facebook
5.0 (44)

Why choose this provider?

Fairway Independent Mortgage Corporation is a company of mortgage brokers serving Charlotte and its surrounding areas. Established in 1996, the business is committed to providing satisfactory customer service by acting as a trusted advisor to its clients. Its mortgage brokers help them find the right loan for their needs and value integrity, accuracy, and reliability in assisting those who are seeking to buy a home or refinance a loan. Fairway was named the Best Company to Work by National Mortgage News in 2020.

8604 Cliff Cameron Drive, Charlotte, NC 28269
WebsiteLicense: 1059883

Expertise.com Rating

Review Sources

Facebook
4.9 (18)

Why choose this provider?

Gateway Financial Group is a mortgage broker that serves clients in Charlotte and nearby areas. The company guides clients in choosing the right mortgage options and interest rates for them. Its team of brokers is well-versed in handling various types of loans such as FHA, VA, USDA, and jumbo. Other options include the 15 or 30-year fixed mortgage. Clients can utilize the free tools on the company's website, such as the payment calculator and home value estimator.

  • Refinance

3430 Toringdon Way, Charlotte, NC 28277
WebsiteLicense: 70958

Expertise.com Rating

Review Sources

Zillow
5.0 (23)

Why choose this provider?

Richard Tocado and his team of loan officers at Richard Tocado Companies assist clients in Charlotte in purchasing a home or refinancing a mortgage. They provide a broad range of loan options, including fixed-rate mortgages and FHA, VA, jumbo, rehab, and USDA loans. They also offer programs for first-time homebuyers and for vacation and investment properties. Over the years, Tocado has been on national radio and endorsed by personalities like John Boy and Billy. Additionally, he has been an NBA corporate partner.

  • Refinance

529 West Summit Avenue, Charlotte, NC 28203
WebsiteLicense: 184302

Expertise.com Rating

Review Sources

Yelp
5.0 (22)
Facebook
5.0 (12)

Why choose this provider?

DHL Mortgage offers financing and loaning assistance to residential clients in Charlotte. The firm provides loan programs, such as USDA loans, FHA mortgages, and VA mortgages, for new construction, home equity, mortgage refinancing. Its offerings can either be at a conventionally fixed or adjustable interest rate, and all can be processed via its website. The company's loan officers are locals of the Charlotte metro and possess more than 50 combined decades of experience in the industry.

  • Refinance

106 Langtree Village Drive, Mooresville, NC 28117
WebsiteLicense: 1683075

Expertise.com Rating

Review Sources

Yelp
5.0 (22)

Why choose this provider?

Michael Easton is a mortgage broker who founded The Easton Mortgage Broker Team. His team offers over 17 years of mortgage expertise and has access to most major loan programs. His services include, but is not limited to investment property and commercial mortgage loans and bank statement mortgage programs for self-employed home buyers. His team's goal is to provide a comprehensive offering of mortgages and strives to provide excellent customer service and competitive mortgage rates for VA loans.

  • Refinance

10800 Sikes Place, Charlotte, NC 28277
WebsiteLicense: 40508

Expertise.com Rating

Why choose this provider?

Carolina Mortgage Services is part of ALCOVA Mortgage, which has been in business since 2003. Serving Charlotte, Carolina Mortgage Services offers financing solutions to homeowners and homebuyers seeking low down payment options, veteran and military lending, financing in high-end communities, and renovation. It also assists in mortgage refinance, taking advantage of low market rates. In addition to a convenient online application system simplifying the mortgage process, the company's one-to-one approach ensures that its specialists are in touch with clients every step of the way.

  • New Construction

9711 David Taylor Dr Ste 101, Charlotte, NC 28262
WebsiteLicense: 1716055

Expertise.com Rating

Review Sources

Facebook
4.7 (15)
Google
5.0 (12)

Why choose this provider?

Ideal Lending Solutions is a Charlotte mortgage lender catering to clients purchasing, refinancing, or upgrading their homes. The company has been in the industry for over 14 years, providing a wide range of loan programs, including conventional, USDA, FHA, and VA loans. It also offers services for debt consolidation and home improvement, and they also offer financing for multi-family dwellings up to 4 units. Moreover, its loan officers walk clients through the process, striving to maintain open communication to keep them updated on their loan process, from pre-approval to closing.

  • Refinance

828 East Boulevard, Charlotte, NC 28203
WebsiteLicense: 1190352

Expertise.com Rating

Review Sources

Yelp
5.0 (1)

Why choose this provider?

Mecklenburg Mortgage is a Charlotte-based company catering to individuals who need financial loan services. It is a full-service mortgage firm that helps clients in obtaining conventional mortgage loans. Mecklenburg Mortgage works closely with its clients to determine what loan programs will suit their personal needs. Its team of mortgage brokers has procured 500 million dollars worth of loans. The company's president, Jeff Muth, has been a loan officer in Charlotte since 2003. He also spent 10 years working for another mortgage company.

  • Refinance
  • Multi-Family Loans

1836 Ashley River Rd Suite L, Charleston, SC 29407

Expertise.com Rating

Why choose this provider?

Preston Starnes is a South Carolina real estate agent with the Jeff Cook Real Estate company that serves clients in Charlotte. He helps individuals in finding their ideal homes by offering the company's resources. Starnes guides them in selecting among the listed properties in Charleston, Columbia, Greenville, and Rock Hill. He lets them know about the rent-to-own opportunities from the agency. He introduces Jeff Cooks' immediate offer and take-over programs to clients who need to sell their properties without doing any repairs.

  • New Construction
  • Refinance

2125 Southend Drive, Charlotte, NC 28203

Expertise.com Rating

Review Sources

Google
5.0 (68)

Why choose this provider?

Peak Financial Group, Inc. is a family-owned mortgage business based in Charlotte. It's licensed in North Carolina and South Carolina and has been providing financial services since 2011. Peak Financial Group's services include residential and commercial loans as well as refinancing. Its financial options include VA loans, FHA loans, fixed rate mortgages, adjustable rate mortgages, and jumbo loans. Its loan officers endeavor to explain to its customers the entire mortgage process so they can make well-informed decisions.

13700 Providence Road, Matthews, NC 28104
WebsiteLicense: 49612

Expertise.com Rating

Review Sources

Facebook
5.0 (18)

Why choose this provider?

The Shapiro Team is a group of experienced mortgage planners who serve Charlotte residents seeking home purchase and refinancing assistance. These professionals represent Fairway Independent Mortgage Corporation, a company that has been providing a wide range of mortgage programs for over two decades. These loan programs include conventional, jumbo, USDA, VA, and FHA loans. The Shapiro Team is led by Lisa Marie Shapiro, a senior mortgage planner with over 14 years of experience in her field.

  • New Construction

7300 Carmel Executive Park Drive, Charlotte, NC 28226
WebsiteLicense: 2883

Expertise.com Rating

Review Sources

Google
4.3 (12)
Facebook
5.0 (4)

Why choose this provider?

Admiral Home Mortgage is a professional mortgage company that caters to clients in Charlotte and its surrounding areas. It offers a wide range of mortgage products and services, including adjustable-rate mortgages, interest-only loans, and home refinance programs. The company employs a team of professional staff who can guide each client through the process of selecting their preferred mortgage plan and resolve issues that arise during the application process. Admiral Home Mortgage has been in the mortgage business for more than 10 years.

  • Refinance

2108 South Boulevard, Charlotte, NC 28203
WebsiteLicense: 72043

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

Mullinix Mortgage Group is a local mortgage broker and lender with more than two decades of industry experience. Located in Charlotte, the company specializes in conventional, jumbo, FHA, and VA loans. It also offers financial plans such as physician programs, first-time homebuyers, and construction and home equity planning for primary, second home, and investment properties. The company's founder, Will Mullinix, has assisted clients in the procurement of real estate loans totaling over $2 billion.

  • Commercial Loans
  • Reverse Mortgages

10724 Carmel Commons Boulevard, Charlotte, NC 28226
WebsiteLicense: 39502

Expertise.com Rating

Review Sources

Facebook
4.0 (3)

Why choose this provider?

East Coast Mortgage Lending is a Charlotte-based business that offers purchase, refinance, construction, debt consolidation, and commercial loan programs. Since 2005, this full-service mortgage company has helped thousands of families with their home purchase and refinance needs. The experienced loan originators at East Coast Mortgage Lending can answer clients' questions and guide them through each step of the complicated loan process, from application to closing. A large percentage of its business is from referrals and repeat customers.

  • Refinance

4064 Colony Road, Charlotte, NC 28211
WebsiteLicense: 91445

Expertise.com Rating

Review Sources

Google
5.0 (141)
Yelp
5.0 (8)

Why choose this provider?

Rebecca Richardson is a professional mortgage consultant for Wyndham Capital Mortgage. She offers a broad range of loan programs including mortgage consultancy, residential mortgage, as well as VA and FHA mortgage services. Rebecca offers over two years of professional experience in the mortgage lending industry. Her professional network and expertise qualify her to work with each client and provide strategic steps in finding a suitable mortgage plan that suits their needs.

  • New Construction

216 North McDowell Street, Charlotte, NC 28204
WebsiteLicense: 40030

Expertise.com Rating

Review Sources

Yelp
3.5 (4)

Why choose this provider?

Leverage Lending Group is a Charlotte-based mortgage company that caters to individuals who need financial loan services. It offers a range of loan programs, such as fixed- and adjustable-rate mortgages, as well as FHA, VA, USDA, and jumbo loans. The company also assists its clients in choosing the right loan that will suit their real estate needs. Moreover, it works on home refinance loans to help them achieve their financial goals. President Angelo Datseris carries 15 years of mortgage lending experience.

  • Refinance

1562 Union Road, Gastonia, NC 28054
WebsiteLicense: 147312

Expertise.com Rating

Review Sources

Facebook
5.0 (8)

Why choose this provider?

C&F Mortgage Corporation is a mortgage loan company that covers both first-time and seasoned homeowners in Charlotte. It allows clients to apply for pre-qualification in-person or via computer and phone, then underwrites the letter to ensure its approval. It also guides homeowners on transitioning to refinancing plans such as shorter contract terms, interest rate changes, and debt consolidation. C&F Mortgage Corporation has been active for over 25 years and has successfully closed over $18.5 billion in loans.

  • Refinance

101 West South Main Street, Waxhaw, NC 28173
WebsiteLicense: 62618

Expertise.com Rating

Review Sources

Google
5.0 (67)
Facebook
4.0 (17)
Yelp
5.0 (2)

Why choose this provider?

Norma Rowe is a mortgage broker, loan officer, and the owner of Cobblestone Mortgage Corp. that provides residential mortgage products in Charlotte and surrounding areas. Since 1998, she has been closely guiding clients who need the mortgage to purchase a first or second home, refinance an existing mortgage for a lower interest rate or some cash out, or invest in a property. She guides each client at every step of the process, from paperwork to close out of the loan.

  • New Construction
  • Refinance
  • Commercial Loans

8015 W. Kenton Cir, Suite 240, Huntersville, NC 28078
WebsiteLicense: 926762

Expertise.com Rating

Review Sources

Facebook
5.0 (12)
Google
5.0 (3)
Yelp
5.0 (2)

Why choose this provider?

Mortgages by Scott offers diverse types of mortgage products to Charlotte locals. It works closely with clients to determine their goals and expectations, in order to provide them with options suitable to their situations. Scott Hastings guides clients in discovering and selecting various types like 30-year and 15-year fixed loans; jumbo, USDA, and self-employed home loans; and no-down and adjustable-rate options. Hastings was an account executive for a major US bank and a local lender before joining Angel Oak Home Loans.

  • Refinance

Compare our Top Mortgage Brokers

NameExpertise RatingAddressPromotionsLearn more
Fairway Independent Mortgage Corporation
8832 Blakeney Professional Drive, Charlotte, NC 28277
Gateway Financial Group
8604 Cliff Cameron Drive, Charlotte, NC 28269
Richard Tocado
3430 Toringdon Way, Charlotte, NC 28277
Direct Home Loans Mortgage
529 West Summit Avenue, Charlotte, NC 28203
Michael Easton
106 Langtree Village Drive, Mooresville, NC 28117
Carolina Mortgage Services
10800 Sikes Place, Charlotte, NC 28277
Ideal lending Solutions - Charlotte
9711 David Taylor Dr Ste 101, Charlotte, NC 28262
Mecklenburg Mortgage
828 East Boulevard, Charlotte, NC 28203
Preston Starnes
1836 Ashley River Rd Suite L, Charleston, SC 29407
Peak Financial Group, Inc.
2125 Southend Drive, Charlotte, NC 28203
The Shapiro Team
13700 Providence Road, Matthews, NC 28104
Admiral Home Mortgage
7300 Carmel Executive Park Drive, Charlotte, NC 28226
Mullinix Mortgage Group
2108 South Boulevard, Charlotte, NC 28203
East Coast Mortgage Lending
10724 Carmel Commons Boulevard, Charlotte, NC 28226
Rebecca Richardson
4064 Colony Road, Charlotte, NC 28211
Leverage Lending Group
216 North McDowell Street, Charlotte, NC 28204
C&F Mortgage Corporation - Gastonia
1562 Union Road, Gastonia, NC 28054
Norma Rowe
101 West South Main Street, Waxhaw, NC 28173
Mortgages by Scott
8015 W. Kenton Cir, Suite 240, Huntersville, NC 28078

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.