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2024

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Best Mortgage Brokers in Gastonia, NC

Our Recommended Top 3

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

21Reviewed

13Curated

3Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

106 Langtree Village Dr Suite 301, Mooresville, NC 28117
WebsiteLicense: 1683075

Expertise.com Rating

Review Sources

Facebook
5.0 (7)

Why choose this provider?

Michael Easton is a mortgage loan officer with The Easton Mortgage Broker Team Powered by Nexa Mortgage, LLC., who serves residents in Gastonia and the surrounding locations. Easton provides customers with various loan options, including conventional, FHA, USDA, and VA loans. He and his team of mortgage brokers share more than 17 years of experience in the mortgage industry and also offer alternative loan programs, such as commercial loans, investment property loans, Small Business Administration (SBA) loans, and bank statement loan programs for self-employed home buyers.

  • Refinance

2015 Ayrsley Town Blvd, Suite 202, Charlotte, NC 28273
WebsiteLicense: 91445

Expertise.com Rating

Review Sources

Google
5.0 (143)
Yelp
5.0 (8)

Why choose this provider?

Rebecca Richardson is a loan originator and branch manager at UMortgage, which is a national mortgage company. She offers various mortgage options to clients in and around Gastonia. Richardson and her team are experienced in catering to different types of clients, including first-time homebuyers, move-up buyers, veterans, and separated or divorced clients. She has more than 20 years of experience in the mortgage industry and is a member of the Association of Independent Mortgage Experts.

527 N Aspen Street, Lincolnton, NC 28092
WebsiteLicense: 45092

Expertise.com Rating

Review Sources

Google
5.0 (25)
Zillow
5.0 (12)
Yelp
5.0 (1)

Why choose this provider?

Traci Dellinger has been providing services to clients in Gastonia and the surrounding cities since 1999. Traci focuses on helping individuals own or purchase homes by assisting them in choosing and applying for mortgage loan programs. She also conducts mortgage refinancing services for homeowners wishing to change or update their loans according to their financial needs and goals. Traci serves as a mortgage loan officer at GoPrime Mortgage. She was inspired to work in the mortgage industry after applying for construction and permanent loans for her home.

  • New Construction

Compare our Top Mortgage Brokers

NameExpertise RatingAddressPromotionsLearn more
Michael Easton
106 Langtree Village Dr Suite 301, Mooresville, NC 28117
Rebecca Richardson
2015 Ayrsley Town Blvd, Suite 202, Charlotte, NC 28273
Traci Dellinger
527 N Aspen Street, Lincolnton, NC 28092

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.