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2024

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Best Mortgage Brokers in Eugene, OR

Our Recommended Top 8

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

44Reviewed

29Curated

8Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

111 East 11th Avenue, Eugene, OR 97401
WebsiteLicense: 259358

Expertise.com Rating

Review Sources

Google
4.0 (35)

Why choose this provider?

Golden Mortgage LLC is a full-service mortgage company that serves clients in Eugene. It connects borrowers to home purchase loan programs, such as conventional loans, FHA loans, VA loans, USDA loans, HomePath loans. It also helps clients refinance existing mortgages with programs such as FHA Streamline, FHA Cash Out, VA Streamline, VA Cash Out, and HARP. Some of the company's niche loan programs include credit repair programs, low credit score programs, and reverse mortgages.

  • Refinance

2734 Shadow View Drive, Eugene, OR 97408
WebsiteLicense: 2550

Expertise.com Rating

Review Sources

Facebook
5.0 (21)
Google
5.0 (7)
Yelp
3.5 (3)

Why choose this provider?

Mann Mortgage is a family-owned company serving the residential loan requirements in Eugene since 1989. It assists families looking to purchase homes or refinance their existing loans. A variety of loan options are available, such as conventional, renovation, construction, jumbo, FHA, and reverse mortgages. Mann Mortgage, led by Don Mann, grew from having one loan officer to employing 500 professionals in over 55 branch locations. Don is committed to delivering community-centered lending solutions to help borrowers fulfill their homeownership goals.

  • Reverse Mortgages

2645 Suzanne Way, Eugene, OR 97408
WebsiteLicense: 200564

Expertise.com Rating

Review Sources

Google
4.0 (7)
Facebook
3.0 (7)
Yelp
3.5 (3)

Why choose this provider?

OMT Mortgage is a team of mortgage brokers who provide professional services to clients, associates, and realtors in Eugene. It has more than 100 years of experience in the industry, and its staff is knowledgeable and experienced in delivering information regarding home financing to clients. The company caters to those who are planning to buy a home, purchase an investment property, or finance a mortgage. In addition, it also offers various FHA and VA loans.

  • Reverse Mortgages

1500 Valley River Drive, Eugene, OR 97401
WebsiteLicense: 3240

Expertise.com Rating

Review Sources

Google
4.8 (38)
Yelp
3.0 (22)
Facebook
5.0 (5)

Why choose this provider?

Directors Mortage - Eugene is a homeownership financing firm delivering a range of residential mortgage solutions. It focuses on construction loans, mortgage loans, and refinances. It also works on purchases, debt consolidation, and reverse mortgages. The company gives clients an estimate of their mortgage payments with its online mortgage calculator while its specialists provide a personalized computation. The branch's regional vice president, Nick Carter, is a member of the company's Chairman's Circle and is a licensed broker in Arizona, California, and Washington.

  • Refinance

1144 Willagillespie Road, Eugene, OR 97401
WebsiteLicense: 399162

Expertise.com Rating

Review Sources

Google
5.0 (52)
Facebook
5.0 (8)

Why choose this provider?

Founded in 2011, Landmark Professional Mortgage Company is a Salem-based mortgage business that caters to clients in Eugene and the surrounding areas. It assists clients in purchasing their first homes, refinancing an existing mortgage loan, and consolidating debts. It also handles in-house underwriting and processing of mortgages. Its loan officers, Dusty Smith and Nikki Writer, have over 35 years of combined experience in the mortgage industry. Additionally, Landmark Professional Mortgage Company is a member of the Salem Association of Realtors.

  • Refinance

975 Willagillespie Road, Eugene, OR 97401
WebsiteLicense: 1146508

Expertise.com Rating

Review Sources

Google
5.0 (113)
Facebook
4.3 (6)
Yelp
5.0 (3)

Why choose this provider?

Paramount Mortgage Company has been serving Eugene and the residents of the State of Oregon since 1997. The local family-owned and family-operated company offers several mortgage programs, including conventional, jumbo, FHA, VA, and USDA rural development loans. It also provides specialized programs such as cash-out programs, refinancing, rehab loans, and one-time close construction loans. Owner Evelyn Miller is joined by Laura Aucoin and Chris Miller. Together, they have more than 48 years of combined experience in the industry.

  • Refinance

272 West 11th Avenue, Eugene, OR 97401
WebsiteLicense: 235749

Expertise.com Rating

Review Sources

Google
5.0 (56)
Facebook
5.0 (24)
Yelp
5.0 (3)

Why choose this provider?

Stepping Stone Mortgage provides services to clients in Eugene and the surrounding areas. It offers a wide range of home loan programs, including 15-year and 30-year fixed-rate mortgages. In addition, it provides adjustable-rate, conventional, FHA, interest-only, and USDA loans. Construction, renovation, reverse, and VA mortgages are also available. Mike Herborn, a mortgage broker, has over 19 years of experience in the real estate industry. Besides being a mortgage professional, he is a sports enthusiast who plays golf and tennis.

  • Reverse Mortgages

142 West 8th Avenue, Eugene, OR 97401
WebsiteLicense: 220343

Expertise.com Rating

Review Sources

Google
4.0 (7)
Yelp
5.0 (4)

Why choose this provider?

Western Mortgage Brokers, Inc., attends to the home financing needs of clients in Eugene. It offers a variety of mortgage loan programs for homeowners, homebuyers, and real estate investors. These include conventional, FHA, VA, construction, and reverse mortgages. The company also works with multiple lenders, local appraisers, and underwriters to deliver home financing options that suit the specific homeownership needs of clients. Mark Peterson, the company owner, has more than 20 years of experience in the industry.

  • Refinance

Compare our Top Mortgage Brokers

NameExpertise RatingAddressPromotionsLearn more
Golden Mortgage LLC Eugene
111 East 11th Avenue, Eugene, OR 97401
Mann Mortgage
2734 Shadow View Drive, Eugene, OR 97408
OMT Mortgage
2645 Suzanne Way, Eugene, OR 97408
Directors Mortgage - Eugene
1500 Valley River Drive, Eugene, OR 97401
Landmark Professional Mortgage Company
1144 Willagillespie Road, Eugene, OR 97401
Paramount Mortgage Company
975 Willagillespie Road, Eugene, OR 97401
Stepping Stone Mortgage
272 West 11th Avenue, Eugene, OR 97401
Western Mortgage Brokers, Inc.
142 West 8th Avenue, Eugene, OR 97401

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.