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2024

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Best Mortgage Brokers in Winston Salem

Our Recommended Top 5

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

57Reviewed

36Curated

5Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1401 Sunset Drive, Greensboro, NC 27408
WebsiteLicense: 93265

Expertise.com Rating

Review Sources

Google
5.0 (4)
Facebook
5.0 (1)

Why choose this provider?

Alpha Mortgage is a full-service mortgage company that serves the residents of Winston Salem. It offers home purchase loan programs such as conventional loans, FHA loans, VA loans, and USDA loans. It also provides mortgage options for clients above the age of 62, including reverse mortgages, H4P home loans, and the HECM program. In addition, it handles non-primary investment loans such as second home financing and rental property loans. Alpha Mortgage has been in operation for more than 35 years.

  • Refinance

204 Muirs Chapel Rd Suite 100, Greensboro, NC 27410
WebsiteLicense: 98786

Expertise.com Rating

Review Sources

Google
5.0 (87)
Facebook
5.0 (15)

Why choose this provider?

Don Owens is a branch manager at Hamilton Home Loans who serves clients in Winston Salem. He specializes in offering various mortgage loan options for first-time home buyers, real estate investors, homeowners, and older people. Mortgage products include FHA, USDA, VA loans, and reverse mortgages. His team of mortgage specialists has received positive feedback from clients for their professionalism and knowledge, eliminating red tape and avoiding common mistakes in the mortgage loan process.

  • Refinance

2201-107 Eastchester Drive, High Point, NC 27265
WebsiteLicense: 107566

Expertise.com Rating

Review Sources

Facebook
5.0 (1)

Why choose this provider?

The Mortgage Hotline is a mortgage company that provides various products to customers in Winston Salem and the surrounding areas. It has several programs that will aid buyers in purchasing a home. It employs the most advanced technology when helping customers close their loans. Its staff of experts expedites the entire transaction of mortgage processing, loan funding, and underwriting. The company calculates credit scores by looking at different variables like late payments, the amount of open credit, and the customer's credit history.

  • Refinance

380 Knollwood Street, Winston-Salem, NC 27103
WebsiteLicense: 571834

Expertise.com Rating

Review Sources

Google
5.0 (14)

Why choose this provider?

Amy Lawson is a loan specialist in Winston Salem affiliated with Movement Mortgage, a company providing financing solutions since 2008. She helps homebuyers select from a variety of loan products, such as USDA, VA, condominium, new construction, or jumbo loan programs. Furthermore, she also assists clients who are over 62 years of age and homeowners looking into refinancing existing mortgages. Amy provides assistance throughout the loan process, including pre-approval and mortgage term and interest rate comparison.

  • New Construction
  • Refinance

1403 Eastchester Drive, High Point, NC 27265
WebsiteLicense: 90223

Expertise.com Rating

Review Sources

Google
4.0 (4)
Yelp
5.0 (1)

Why choose this provider?

Tammy Sexton Smith is a broker for Caliber Home Loans, Inc., serving Winston Salem. She has been working in the mortgage industry for 15 years, giving her a better edge when it comes to knowledge in residential lending, including conventional loans, government-backed mortgage loans, HUD homes, GNND homes, and NCHFA programs. She personally guides clients throughout the loan processing, from finding to securing the mortgage plan with terms and rates that fit the clients' needs.

  • Refinance

Compare our Top Mortgage Brokers

NameExpertise RatingAddressPromotionsLearn more
Alpha Mortgage
1401 Sunset Drive, Greensboro, NC 27408
Don Owens
204 Muirs Chapel Rd Suite 100, Greensboro, NC 27410
The Mortgage Hotline
2201-107 Eastchester Drive, High Point, NC 27265
Amy Lawson
380 Knollwood Street, Winston-Salem, NC 27103
Tammy Sexton Smith
1403 Eastchester Drive, High Point, NC 27265

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.