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2024

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Best Mortgage Brokers in Houston, TX

Our Recommended Top 16

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

558Reviewed

341Curated

16Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

19500 State Hwy 249, Ste 210, Houston, TX 77070
WebsiteLicense: 27830

Expertise.com Rating

Review Sources

Google
4.7 (15)

Why choose this provider?

Texas FHA is a dba of Capital Home Mortgage, a direct mortgage lender and servicer for clients in Houston and the surrounding areas. It offers FHA home loans for first-time and seasoned home buyers. In addition, its complete line of mortgage products includes reverse mortgage, Native American, one-time close construction, and 203k loans. It comprises professional mortgage consultants who work with clients one-on-one to receive a financial solution specifically suited to match their home loan requirements.

  • Houston FHA mortgage lender
  • Houston FHA home loan
  • Texas FHA loans
  • FHA Loans

Houston, TX

Expertise.com Rating

Why choose this provider?

Need help contacting a Mortgage Broker in Houston? Call our Concierge team at 848-Book-Pro (848-266-5776 from 6 am - 4 pm PT | Mon - Fri). They are standing by to help you get the service you need.

838 East 27th Street, Houston, TX 77009
WebsiteLicense: 1854416

Expertise.com Rating

Review Sources

Google
5.0 (7)

Why choose this provider?

Compare Closing LLC is a mortgage broker in Houston. Its mortgage services cater to individuals buying a home or dealing with home equity concerns. Its professionals help out clients in selecting their preferred refinancing and serve customers who need to decide on a mortgage plan by comparing quotes from different lenders. They are also affiliated with expert Realtors, lenders, and mortgage brokers. Their process starts with assessing the client's documents, research, planning, execution, and evaluation of the entire process. The business was founded in 2019.

  • Refinance

8900 Eastloch Drive, Spring, TX 77379
WebsiteLicense: 1443146

Expertise.com Rating

Review Sources

Google
5.0 (77)
Yelp
5.0 (9)

Why choose this provider?

Morton Mortgage has the expertise to make the mortgage loan process fast and easy. The firm specializes in helping Houston-area clients to buy a first home, consolidate debt, or refinance an existing loan. A team of experienced professionals has the knowledge and tools to make the process go smoothly. Morton Mortgage offers a range of program options including conventional fixed rate mortgages, adjustable rate loans, FHA, VA, Jumbo, Home Equity, construction loans, and more. Clients can expect for individualized service to be a top priority.

  • Refinance
  • Commercial Loans
  • Reverse Mortgages

19815 Summerset Way, Houston, TX 77094
WebsiteLicense: 238197

Expertise.com Rating

Review Sources

Google
5.0 (10)
Facebook
5.0 (3)

Why choose this provider?

DMR Mortgage is a Houston-based mortgage company that has been serving clients throughout Texas for over 20 years. The company is able to provide custom loan solutions to an array of clients, guiding them from pre-approval to closing. In addition to mortgage refinancing, the company can also work with clients on VA loans, FHA loans, and hybrid ARM loans. Partner and mortgage broker Catherine Reilly has previous experience in the banking industry and has been working as a mortgage broker since 1993.

  • New Construction
  • Refinance
  • Reverse Mortgages

700 Rockmead Drive, Building 2, Ste 102, kingwood, TX 77339

Expertise.com Rating

Why choose this provider?

Cherry Creek Mortgage LLC is a Kingwood mortgage brokerage serving the city and surrounding areas, including Houston. Established in 1987, the company aims to help home buyers find the right loan that meets their needs. The brokerage is committed to building lasting client relationships. Loan officers with Cherry Creek Mortgage provide assistance in obtaining VA home loans, as well as conventional, FHA, USDA, jumbo, and low-downpayment loans. They can also guide home buyers on how to refinance a mortgage.

  • Reverse Mortgages

9235 Katy Freeway, Houston, TX 77024
WebsiteLicense: 132111

Expertise.com Rating

Review Sources

Facebook
5.0 (542)
Yelp
5.0 (10)

Why choose this provider?

Sente Mortgage has been helping Houston-area clients make the best decisions in the mortgage landscape for over 23 years. The company offers various options, including conforming, non-conforming, Jumbo, FHA, VA, and USDA loans. Sente Mortgage comprises a team of experienced professionals committed to guiding clients to the right mortgage loan to meet individual needs and budgets. The company focuses on helping clients better understand how to control finances through savings, budgeting, and understanding credit.

  • Multi-Family Loans

480 Wildwood Forest Drive, Spring, TX 77380
WebsiteLicense: 215239

Expertise.com Rating

Review Sources

Facebook
4.0 (30)
Yelp
3.0 (4)
Google
5.0 (3)

Why choose this provider?

CLM Mortgage, Inc., is a mortgage brokerage company that serves customers in Houston and neighboring communities. The local independent firm specializes in delivering mortgage financing solutions for homebuyers of newly constructed properties. Its mortgage brokers have access to varying home loan options from multiple local lenders. Some of the products it offers include conforming fixed-rate and ARMS, FHA, VA, jumbo, and USDA loans. The firm also provides blended loans and mortgage refinancing services. CLM Mortgage has been helping homebuyers since 2006.

  • New Construction

24275 Katy Freeway, Katy, TX 77494
WebsiteLicense: 220593

Expertise.com Rating

Review Sources

Zillow
5.0 (14)
Yelp
3.0 (5)
Facebook
5.0 (2)

Why choose this provider?

Richard Smith of Southwest Funding is a mortgage professional that serves clients in Houston and the surrounding areas. He assists clients looking to purchase any investment property in choosing the loan program tailor-fit to their needs. He also offers programs for refinancing to decrease debt and lower monthly mortgage payments. Smith is a member of the National Association of Hispanic Real Estate Professionals. He gives back to the community by being a lender affiliate of the Homes for Heroes Program.

  • Refinance

9219 Katy Freeway, Houston, TX 77024
WebsiteLicense: 328188

Expertise.com Rating

Review Sources

Facebook
5.0 (3)

Why choose this provider?

Western Mortgage helps Houston-area clients buy a home, consolidate debt, and refinance existing loans. The firm commits to guiding clients through the home loan process and selecting the best mortgage to suit individual needs and budgets. A number of mortgage options are available to help achieve the dream of homeownership including conventional, FHA, and VA loans as well as reverse and commercial loan options. The Western Mortgage team is experienced in the mortgage lending industry and will make the loan process as fast and easy as possible.

  • Refinance
  • Commercial Loans
  • Reverse Mortgages

14215 Smith Road, Humble, TX 77396
WebsiteLicense: 206277

Expertise.com Rating

Review Sources

Google
4.4 (49)
Zillow
5.0 (33)

Why choose this provider?

Houston Home Loan has been successfully closing mortgage loans in the community for more than 20 years. The Houston-area company works closely with clients throughout the loan process to ensure the home buying experience goes smoothly and efficiently. A range of programs are available through Houston Home Loan including conventional, FHA, VA, USDA, and Jumbo loans. The company also focuses on specialty loans, Home Equity loans, and home refinances. A team of experienced professionals commits to helping clients select the right loan program based on individual needs and budgets.

  • Refinance
  • Commercial Loans
  • Reverse Mortgages

12075 Spring Cypress Road, Houston, TX 77070
WebsiteLicense: 2297

Expertise.com Rating

Review Sources

Zillow
4.9 (455)
Yelp
4.5 (29)
Google
4.1 (17)

Why choose this provider?

Triumph Lending is a hybrid retail mortgage company serving residential home owners in the Houston area. Its experienced processing and closing loan officers assist clients reach financial freedom by helping them understand the different options available. They offer a range of loan programs such as conventional, government, and jumbo loans. The company's website has a mortgage payment calculator for its clients. Triumph Lending is a division of Network Funding L.P. and was founded in 1998.

  • Reverse Mortgages

25325 Borough Park Drive, The Woodlands, TX 77380
WebsiteLicense: 898360

Expertise.com Rating

Review Sources

Facebook
5.0 (47)

Why choose this provider?

Texas Premier Mortgage is a mortgage broker based in The Woodlands, Texas providing mortgage loans services for residential properties all over the state of Texas, including Houston and the surrounding areas since 2006. The advantage of using a mortgage broker is they are able to shop some of the top lenders in the country to help find the lowest rate and best mortgage plan to help meet their client’s needs. Loan types available include Conventional, FHA, VA, jumbo, and USDA loans, as well as refinancing. The company also offers a variety of options for the terms of a loan from 10 years to 30 years. Its team of professionals has assisted hundreds of clients and has been recognized in their community with outstanding customer service and client satisfaction.

  • Refinance
  • Reverse Mortgages

16597 Village Dr, Houston, TX 77040
WebsiteLicense: 1651915

Expertise.com Rating

Review Sources

Google
4.6 (76)
Facebook
4.7 (27)
Yelp
2.5 (6)

Why choose this provider?

New City Mortgage helps the residents of Houston achieve their financial goals through its network of lenders. The company's home loan specialists aim to match their clients with the appropriate loan programs and offer assistance throughout the mortgage application process. They educate homeowners about available mortgage products, such as jumbo, FHA, USDA, VA, and home equity loans. New City Mortgage also assists eligible veterans in their VLB home loan applications. Its senior loan officer, Chris Bonin, carries 15 years of experience in home loans.

  • Refinance

710 North Post Oak Road, Houston, TX 77024
WebsiteLicense: 320385

Expertise.com Rating

Review Sources

Facebook
5.0 (4)

Why choose this provider?

Founded in 1990, AMI Lenders Inc. is a professional mortgage consultancy firm that serves residential and commercial clients in Houston and its surrounding areas. The firm specializes in a variety of financing and mortgage services such as specialty and business loans, home loans, and permanent mortgage placement. Jim Emerson, the firm's president, is a real estate specialist and banker who has previously served as CEO and president of several financial institutions. AMI Lenders also offers short-term and long-term loan services to its clients.

  • Multi-Family Loans

12603 Southwest Freeway, Stafford, TX 77477
WebsiteLicense: 70345

Expertise.com Rating

Review Sources

Facebook
5.0 (1)

Why choose this provider?

Finance Home America offers flexible mortgage packages for Houston-area customers of all backgrounds, needs, and goals. The full-service mortgage banking company has been finding the right loan options for clients for more than 60 years. An experienced and professional staff commit to finding mortgage solutions for new home purchases, refinancing an existing loan, or renovating a home. Finance Home America also conducts training classes for clients to learn about product guidelines to help make the best possible decisions.

  • Refinance

Compare our Top Mortgage Brokers

NameExpertise RatingAddressPromotionsLearn more
Capital Home Mortgage Team
19500 State Hwy 249, Ste 210, Houston, TX 77070Call For Estimate
Compare Closing LLC
838 East 27th Street, Houston, TX 77009
Morton Mortgage, Inc.
8900 Eastloch Drive, Spring, TX 77379
DMR Mortgage
19815 Summerset Way, Houston, TX 77094
Cherry Creek Mortgage
700 Rockmead Drive, Building 2, Ste 102, kingwood, TX 77339
Sente Mortgage - Houston TX
9235 Katy Freeway, Houston, TX 77024
CLM Mortgage
480 Wildwood Forest Drive, Spring, TX 77380
Richard Smith
24275 Katy Freeway, Katy, TX 77494
Western Mortgage
9219 Katy Freeway, Houston, TX 77024
Houston Home Loan
14215 Smith Road, Humble, TX 77396
Triumph Lending
12075 Spring Cypress Road, Houston, TX 77070
Texas Premier Mortgage
25325 Borough Park Drive, The Woodlands, TX 77380
New City Mortgage
16597 Village Dr, Houston, TX 77040
AMI Lenders Inc.
710 North Post Oak Road, Houston, TX 77024
Finance Home America - Stafford, TX
12603 Southwest Freeway, Stafford, TX 77477

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.