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2024

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Best Mortgage Brokers in McKinney, TX

Our Recommended Top 19

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored McKinney Mortgage Brokers on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

48Reviewed

36Curated

19Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

6733 Salt Cedar Way, Frisco, TX 75034
WebsiteLicense: 1954053

Expertise.com Rating

Review Sources

Google
5.0 (21)

Why choose this provider?

The Mortgage Brokers is a mortgage lending and refinancing company that serves clients from the McKinney area. Led by its owner Gabriel Garza, the company helps every customer by simplifying the process from requiring just one loan application to presenting one credit report and total cost analysis. Its agents' ample knowledge of different loan and refinancing options enables them to provide personalized solutions for every client's problems. The company has been praised for its level of professionalism and clear communication.

  • New Construction
  • Refinance

6401 Eldorado Parkway, McKinney, TX 75070
WebsiteLicense: 1497961

Expertise.com Rating

Review Sources

Facebook
5.0 (4)
Google
5.0 (2)

Why choose this provider?

High Country Mortgage Services is a McKinney-based firm that provides mortgage loan options to those who want to purchase a new home or are looking to refinance their current property. It provides options such as conventional, FHA, VA, USDA, and FHA 203K loans. Moreover, loan programs for manufactured homes are also offered by the firm. High Country Mortgage Services' lead broker is Raeanne Hagin, who has more than 31 years of experience in the industry.

  • Commercial Loans
  • Multi-Family Loans

130 North Preston Road, Prosper, TX 75078
WebsiteLicense: 621485

Expertise.com Rating

Review Sources

Google
5.0 (34)
Facebook
5.0 (9)
Yelp
5.0 (1)

Why choose this provider?

Michael DeBacker is a mortgage specialist with Caprock Home Loans serving the McKinney community. He assists individuals who are planning to purchase or refinance a home by scouring home loan products from multiple financial providers. Considering their needs and preferences, DeBacker guides clients throughout the home loan process for an easy, straightforward experience. The company has been praised for taking the time to educate clients on the loan options available for their mortgage needs.

  • New Construction
  • Refinance

321 North Central Expressway, McKinney, TX 75071
WebsiteLicense: 316464

Expertise.com Rating

Review Sources

Google
5.0 (14)
Facebook
5.0 (3)

Why choose this provider?

Tammy Costas is a loan officer who offers her services to clients in the McKinney metro. She reviews clients' specific situations and helps them with their loan applications. Her clientele includes senior citizens looking for reverse mortgages, investment buyers, refinancing homeowners, first-time homebuyers, and move-up homebuyers. Previous clients have kind words for the way Tammy did her job for them. They said she was prompt and easy to work with and was able to get their applications approved in just 2 weeks.

  • Refinance

5601 Granite Parkway, Plano, TX 75024
WebsiteLicense: 299820

Expertise.com Rating

Review Sources

Google
5.0 (38)
Facebook
5.0 (20)
Yelp
5.0 (6)

Why choose this provider?

Tristan Sherrill has provided mortgage assistance to clients in McKinney for almost two decades. As an area manager and mortgage advisor at Thrive Mortgage LLC, he takes out the stress of navigating the market by scoring loan options that match his clients' unique financial situations. Tristan and his team offer various mortgage products, including conventional, FHA, jumbo, non-QM, VA, and USDA. Additionally, they facilitate refinancing residential properties. Tristan is committed to providing honest information to help his clients make sound financial decisions.

  • Refinance

103 East Virginia Street, McKinney, TX 75069
WebsiteLicense: 260879

Expertise.com Rating

Review Sources

Facebook
5.0 (15)
Google
5.0 (3)
Yelp
3.5 (3)

Why choose this provider?

Pinnacle Funding Group is a McKinney-headquartered mortgage lending agency. It caters to clients looking to purchase their first home or vacation home and clients with new construction projects. It offers purchase loans and refinance loans, tailors mortgage options, and helps clients achieve true homeownership. Its president, Brian Palmer, initially started as an intern at Pinnacle Funding Group in 2002. He later purchased the company from its original owner in 2005.

  • Refinance

5801 Virginia Parkway, McKinney, TX 75071
WebsiteLicense: 1615678

Expertise.com Rating

Review Sources

Google
4.0 (102)
Facebook
5.0 (24)

Why choose this provider?

Chelsea Amaya is a mortgage sales manager and loan originator at Gateway Mortgage. The McKinney-based professional provides personalized mortgage solutions in the metro and its surrounding areas. Gateway Mortgage was established in 2000, and by 2017, the firm has served 100,000 clients from different communities. Chelsea handles various loan options such as FHA, conventional, USDA, and VA loans. Moreover, she offers services like cashout refinance, renovation financing, and one-time close construction loans.

  • Refinance
  • Purchase Transactions

4633 Coit Road, Frisco, TX 75035
WebsiteLicense: 1441287

Expertise.com Rating

Review Sources

Google
4.0 (73)
Facebook
4.0 (25)
Yelp
5.0 (2)

Why choose this provider?

Prime Choice Lending specializes in creating a lasting relationship with each client by expediting the mortgage process. Serving McKinney and surrounding communities, the mortgage brokerage company offers services that include home purchasing and refinancing loans, conventional loans, USDA loans, FHA loans, and VA loans. Jumbo elite loan is also available with ARM and fixed-rate options. Prime Choice Lending's team of mortgage professionals helps borrowers through every step of the loan process and provides continuous guidance even after the settlement.

  • New Construction

825 Watters Creek Boulevard, Allen, TX 75013
WebsiteLicense: 136740

Expertise.com Rating

Review Sources

Google
5.0 (21)
Facebook
5.0 (2)

Why choose this provider?

PrimeLending Allen is a financial institution that serves McKinney and its neighboring communities. Its mortgage experts help clients apply for home financing schemes, such as conventional, FHA, USDA, VA, jumbo, and reverse mortgages. They also offer first-time homebuyer loans and a variety of specialty products. Additionally, PrimeLending continues to invest in technologies that help facilitate operations, improve security, and simplify the mortgage process. This includes the use of PointServ, Mortgage Coach, and other mobile partners.

  • Refinance

14083 Badlands Drive, Frisco, TX 75035
WebsiteLicense: 658200

Expertise.com Rating

Review Sources

Google
4.9 (136)
Facebook
5.0 (112)
Yelp
5.0 (11)

Why choose this provider?

First Rate Financial is a mortgage broker that serves first-time buyers and homeowners in McKinney and the surrounding areas. The broker specializes in most types of home loans, including conventional loans, conforming loans, federal housing administration loans, and VA loans. It also provides jumbo loans, fixed-rate mortgages, adjustable-rate mortgages, and combined or hybrid adjustable-rate mortgages. First Rate Financial has more than 15 years of experience in the local Texas market. It is committed to taking a refreshing, honest, and upfront communication approach with its clients.

1402 South Custer Road, McKinney, TX 75070
WebsiteLicense: 1389331

Expertise.com Rating

Review Sources

Facebook
5.0 (28)
Google
5.0 (3)

Why choose this provider?

Capacity Lending is a team of mortgage brokers and loan specialists that offer mortgage solutions and loan programs in McKinney. The firm is composed of consultants that source out loan programs that are tailored to the client's budget, needs, and credit rating. Some of its programs include fixed and adjustable-rate mortgages as well as FHA and VA loans. It also provides options for mortgage refinancing such as cash-outs, traditional refinancing as well as HARP 2.0.

  • Refinance
  • Purchase Transactions

8951 Collin McKinney Parkway, McKinney, TX 75070
WebsiteLicense: 60134

Expertise.com Rating

Review Sources

Facebook
4.0 (481)
Google
3.0 (5)

Why choose this provider?

For McKinney clients looking for mortgage solutions, Fellowship Home Loans is a company that assists clients in purchasing or refinancing a home. Its team has a combined 60 years of professional experience, helping clients to secure mortgage solutions in varying types including reverse, VA, FHA, and conventional loans. The team can assist clients in understanding refinancing program options between adjustable or fixed-rate mortgages. Fellowship Home Loans is authorized to offer services in 38 states in the US.

  • Refinance
  • Reverse Mortgages

400 West Bethany Drive, Allen, TX 75013
WebsiteLicense: 396750

Expertise.com Rating

Review Sources

Google
5.0 (27)
Facebook
4.7 (6)

Why choose this provider?

Mortgage X-Change is a company serving homeowners in McKinney and the surrounding areas. Through its loan officers, it provides customers with a variety of financing options. Some of the options offered to customers include 203k, jumbo, and FHA loans. Fifteen-year and 30-year fixed mortgages are also available. The company provides loan tools and resources on its website, such as a pre-approval letter, a payment calculator, and refinance analysis. Customers can also get home value estimates and home insurance quotes on the website.

  • Refinance

924 Colorado, Allen, TX 75013
WebsiteLicense: 1846993

Expertise.com Rating

Review Sources

Google
5.0 (5)
Facebook
5.0 (2)

Why choose this provider?

TX Best Home Loans is a mortgage brokerage in Allen that specializes in online home loan processing solutions in the area. It serves clients in the McKinney metro and provides diverse options for residential loans and mortgages. Some of its programs include fixed-rate and hybrid adjustable-rate mortgages as well as FHA and VA loans. It also provides mortgage refinancing options, such as HARP 2.0 and reverse mortgages that help clients cash out equity and reduce mortgage payments.

  • Refinance
  • Purchase Transactions

5700 Granite Parkway, Plano, TX 75024
WebsiteLicense: 1686418

Expertise.com Rating

Review Sources

Google
4.0 (91)
Facebook
4.0 (18)

Why choose this provider?

WeDoLoans is a Plano-based mortgage company that works with clients in the local area and surrounding cities, including McKinney. Its portfolio of mortgage products includes adjustable-rate mortgages, USDA loans, and jumbo loans. It also has a Hero Loan program for qualified clients such as veterans, first responders, and nurses. WeDoLoans has helped over 1,000 clients save over $11 million in loan interest by collaborating with them to find the mortgage plan that matches their financial circumstances and needs.

  • Refinance

202 South Coleman Street, Prosper, TX 75078
WebsiteLicense: 872948

Expertise.com Rating

Review Sources

Google
4.0 (68)
Facebook
5.0 (37)
Yelp
5.0 (1)

Why choose this provider?

Eagle Mortgage Company is a brokerage near McKinney that provides mortgage services and real estate financing options to clients in the metro. The firm has been around for more than a decade and has helped hundreds of home buyers and homeowners secure loans for their home purchases. Some of the company's loan programs are 203K, HARP, government, conventional, and jumbo loans. The business also specializes in rate and term refinance services and cash-out loans. Eagle Mortgage Company also provides solutions for home insurance and home valuation needs.

  • Refinance
  • Purchase Transactions

3004 Communications Parkway, Plano, TX 75093
WebsiteLicense: 188788

Expertise.com Rating

Review Sources

Facebook
5.0 (9)
Google
5.0 (2)

Why choose this provider?

North Dallas Benchmark Mortgage provides services to clients like multiple property owners or first-time homebuyers in the McKinney area. Its team of mortgage lenders helps borrowers through every step of the home purchasing process, including prequalifying for a loan, appraisal, underwriting, closing, and funding. North Dallas Benchmark Mortgage offers a lifetime loan option that entails in-depth yearly reviews of a customer’s mortgage. Tom Sherman, the agency’s branch manager, has been in the mortgage business for almost 20 years.

  • Purchase Transactions

4920 Plantation Lane, Frisco, TX 75035
WebsiteLicense: 1379613

Expertise.com Rating

Review Sources

Zillow
5.0 (22)
Facebook
5.0 (5)

Why choose this provider?

All Coast Lending - Long View is a mortgage brokerage serving residential clients in McKinney and the rest of the state. It works with various lenders to help its clients find loan programs that meet their needs, from new home purchases to refinancing. Its loan options include FHA, VA, and USDA loans. Conventional, jumbo, and non-QM mortgages are also offered. All Coast Lending was established in 2015 and it supports Equal Housing Opportunity. It also extends its services to 17 other states across the country.

  • Refinance

700 Central Expressway South, Allen, TX 75013
WebsiteLicense: 1047944

Expertise.com Rating

Review Sources

Google
4.0 (37)

Why choose this provider?

Competitive Home Lending is a local mortgage company that provides home loans and mortgage refinance options to homeowners in the McKinney area. Its mortgage loan options include FHA, VA, Fannie Mae, Freddie Mac conventional loans, and other home purchase loans. The company also offers assistance with home refinancing and cash-out refinancing to reduce monthly payments and consolidate debt. Competitive Home Lending also provides advice regarding APR and APY loans, self-employed mortgages, and conforming loan limits.

  • Refinance
  • Purchase Transactions

Compare our Top Mortgage Brokers

NameExpertise RatingAddressPromotionsLearn more
The Mortgage Brokers
6733 Salt Cedar Way, Frisco, TX 75034
High Country Mortgage Services
6401 Eldorado Parkway, McKinney, TX 75070
Michael DeBacker
130 North Preston Road, Prosper, TX 75078
Tammy Costas
321 North Central Expressway, McKinney, TX 75071
Tristan Sherrill
5601 Granite Parkway, Plano, TX 75024
Pinnacle Funding Group
103 East Virginia Street, McKinney, TX 75069
Chelsea Amaya
5801 Virginia Parkway, McKinney, TX 75071
Prime Choice Lending
4633 Coit Road, Frisco, TX 75035
PrimeLending Allen
825 Watters Creek Boulevard, Allen, TX 75013
First Rate
14083 Badlands Drive, Frisco, TX 75035
Capacity Lending
1402 South Custer Road, McKinney, TX 75070
Fellowship Home Loans
8951 Collin McKinney Parkway, McKinney, TX 75070
Mortgage X-Change
400 West Bethany Drive, Allen, TX 75013
TX Best Home Loans
924 Colorado, Allen, TX 75013
WeDoLoans
5700 Granite Parkway, Plano, TX 75024
Eagle Mortgage Company
202 South Coleman Street, Prosper, TX 75078
North Dallas Benchmark Mortgage
3004 Communications Parkway, Plano, TX 75093
All Coast Lending - Long View
4920 Plantation Lane, Frisco, TX 75035
Competitive Home Lending
700 Central Expressway South, Allen, TX 75013

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.