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2024

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Best Mortgage Brokers in The Woodlands, TX

Our Recommended Top 13

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

37Reviewed

27Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

19500 State Hwy 249, Ste 210, Houston, TX 77070
WebsiteLicense: 3277

Expertise.com Rating

Review Sources

Google
4.0 (4)

Why choose this provider?

Capital Home Mortgage Team serves individuals and families in The Woodlands and the surrounding areas. Its group of experts assists customers by offering FHA 203(b), FHA 203(k), one-time close construction, and Native American home loans as a Full Eagle FHA mortgage lender. For clients with existing FHA loans, it also provides standard rate-to-rate refinance and streamline refinance programs. The company also has offices in Austin, Corpus, Christi Dallas, El Paso, New Caney, and San Antonio.

  • Refinance
  • New Construction

9595 Six Pines Dr Ste 6200, The Woodlands, TX 77380
WebsiteLicense: 1172713

Expertise.com Rating

Why choose this provider?

Jonathan Gonzalez caters to customers from The Woodlands who require mortgage and refinance products. He operates under the Cherry Creek Mortgage banner and has options ranging from conventional to FHA-backed selections. The agent educates purchasers on topics such as property taxes, insurance, and interest obligations. Loan and affordability calculators are available online to give initial information and the agent's clientele extends to military service veterans. Jonathan Gonzalez is bilingual and conversant in the Spanish language.

  • Reverse Mortgages

2001 Timberloch Place, The Woodlands, TX 77380
WebsiteLicense: 1824987

Expertise.com Rating

Review Sources

Google
5.0 (14)
Facebook
5.0 (8)

Why choose this provider?

Traditions Mortgage Group comprises loan officers who serve The Woodlands residents. The team offers personalized loan products to first-time home buyers and helps them assess the differences between types of mortgages. It provides 30-year and 15-year loans at fixed rates as well as government-aided VA, FHA, 203k, and USDA mortgages. Options also include adjustable-rate and jumbo programs. Additionally, Traditions Mortgage Group assists refinancers, builders, and seasoned investors and provides decision-making aids like valuation estimates and payment calculator tools.

  • Refinance

2001 Timberloch Place Suite 500, The Woodlands, TX 77380
WebsiteLicense: 898360

Expertise.com Rating

Review Sources

Facebook
5.0 (87)
Google
5.0 (63)
Zillow
5.0 (4)

Why choose this provider?

Texas Premier Mortgage attends to the financing needs of its clients in The Woodlands. It provides mortgage solutions targeting home purchasing, refinancing, and home equity loan matters. Its team presents refinancing term options, such as 30, 25, 20, and 15 years. It also offers products for credit such as FHA, VA, USDA, and jumbo loans. In addition, Texas Premier Mortgage assists clients with conventional loan concerns. The local brokerage utilizes more than 100 years of accumulated mortgage industry experience.

  • Refinance

2170 Buckthorne Pl Suite 100, The Woodlands, TX 77380
WebsiteLicense: 129122

Expertise.com Rating

Review Sources

Google
5.0 (42)
Zillow
4.9 (12)

Why choose this provider?

Texas United Mortgage caters to clients in and around The Woodlands metro. The firm, which was established in 2020, primarily focuses on home loan mortgages, assisting clients with a wide selection of loan options. These include conventional loans such as 30-year, 15-year, 10-year, and customized term options as well as government loans like FHA, VA, and USDA mortgages. Reverse mortgages are likewise available for residents who are 62 or older and have paid off most of their mortgage.

  • Refinance

9999 Bellaire Blvd, Houston, TX 77036
WebsiteLicense: 1005123

Expertise.com Rating

Why choose this provider?

The Caballero Team provides comprehensive financial options for clients of AmCap Home Loans in the Woodlands metro. Its tailored choices include VA, FHA, USDA, and conventional loans, as well as ITIN and bank statement programs. Its loan officers adjust their recommendations based on regular assessments of an applicant's financial standing and changes in the market and local interest rates. The Caballero Team also works alongside other AmCap groups in supporting several non-profit organizations, including Habitat for Humanity and the Killeen Food Care Center.

  • Refinance

11133 I-45 South Suite 310A, Conroe, TX 77302
WebsiteLicense: 89745

Expertise.com Rating

Review Sources

Zillow
5.0 (85)
Google
5.0 (12)
Facebook
5.0 (12)

Why choose this provider?

Commonwealth Mortgage provides home financing solutions to clients in The Woodlands and nearby locations. It offers various mortgage programs designed to help people purchase new houses, invest in new properties, or refinance existing loans. Some of the programs it provides are FHA and FHA 203K, jumbo, Harp 2.0, conforming, and conventional loans. The mortgage rate options available to borrowers are fixed- and adjustable rates. Danitha Ezell, the agency's residential mortgage loan originator, has been in the business for more than three decades.

  • Refinance
  • New Construction

24900 Pitkin Road Suite 308, Spring, TX 77386
WebsiteLicense: 298522

Expertise.com Rating

Review Sources

Facebook
5.0 (55)
Google
5.0 (6)
Zillow
5.0 (4)

Why choose this provider?

Michelle Thompson Group is a woman-owned mortgage brokerage that offers residential home loans. It accommodates clients from The Woodlands, helping them navigate the process of securing loans to finance their home purchase, construction, and renovation. Its selection of programs includes conventional, FHA, VA, USDA, and first-time homebuyer loans. Assistance for down-payment, 203K, 203H, and refinancing is also available. The group is led by Michelle Thompson and Summer Walker, who are mortgage and real estate professionals with over 30 years of industry experience.

  • Reverse Mortgages
  • Refinance

5959 West Loop S. Suite #470, Bellaire, TX 77401
WebsiteLicense: 329177

Expertise.com Rating

Review Sources

Google
5.0 (166)
Facebook
5.0 (155)

Why choose this provider?

Homestart Capital has been catering to clients in The Woodlands and the surrounding communities since 2007. It helps first-time and experienced buyers achieve their homeownership dreams by offering Fannie Mae and Freddie Mac loan programs. It also serves those who are refinancing their mortgages. The firm assists the clients throughout the home buying process, including pre-qualification, home search, pre-approval, underwriting, appraisal, and closing. Daniel Jara, the owner, holds a business degree in Finance. He extends his services to Spanish-speaking clients.

  • Refinance

500 Spring Hill Dr, Ste 140, Spring, TX 77386
WebsiteLicense: 2072285

Expertise.com Rating

Review Sources

Google
5.0 (16)
Facebook
5.0 (9)

Why choose this provider?

Spring Mortgage supports clients throughout The Woodlands. It offers various financial products to assist purchasers of single-family and multifamily units, townhouses, and condominiums. Whether clients need to buy a property as their primary residence, investment, or vacation home, the company provides them with FHA, VA, USDA, or jumbo loans. Spring Mortgage also helps homeowners looking to refinance their existing mortgages to lower their interest rates, consolidate their debts, or change their loan terms. Founder Daniel Perez carries more than five years of industry experience.

  • Multi-Family Loans

18001 Hwy 105 West Suite 109, Montgomery, TX 77356
WebsiteLicense: 270528

Expertise.com Rating

Review Sources

Facebook
5.0 (101)
Google
5.0 (9)

Why choose this provider?

Crystal Clear Mortgage serves clientele in and around The Woodlands and its neighboring communities. Its primary service is helping clients acquire various lending options through its proprietary digital application process. The selection of lending options includes reverse mortgages, balloon mortgages, and fixed- or adjustable-rate loans. Its insurance professionals advise clients on available lending options and recommend options based on their specifications. Co-owners Bryan Ward and Adam Simmons have over two decades of collective industry experience.

  • Refinance

9400 Grogans Mill Road, Suite 205, The Woodlands, TX 77380
WebsiteLicense: 614071

Expertise.com Rating

Review Sources

Google
5.0 (106)
Facebook
4.9 (23)
Zillow
5.0 (20)

Why choose this provider?

Kelly Malatesta serves prospective home and property buyers in The Woodlands. She is a senior residential loan consultant for First United Mortgage Group and shares more than 30 years of combined industry experience with her staff. Malatesta and her team assist clients throughout the mortgage transaction process and have originated over 6,000 loans. She carries products such as jumbo, conventional, FHA, and VA. She also provides plans for investment properties and one-time construction and renovations.

  • Refinance
  • New Construction

26615 Oak Ridge Dr., The Woodlands, TX 77380
WebsiteLicense: 1658565

Expertise.com Rating

Review Sources

Google
5.0 (107)
Facebook
5.0 (49)

Why choose this provider?

Storehouse Mortgage LLC helps individuals in The Woodlands finance their dreams. Owner and mortgage broker Eddie Skinner has worked with 10 different banks in his 20 years of industry experience. He works with people looking to refinance their existing mortgage with a new home loan, which includes options like VA, FHA, USDA, and conventional. Skinner guides clients throughout the process, from pre-approval and home shopping to underwriting and loan closing. He directs them to the company website, featuring tools such as mortgage and title calculators.

  • Refinance

Compare our Top Mortgage Brokers

NameExpertise RatingAddressPromotionsLearn more
Capital Home Mortgage Team
19500 State Hwy 249, Ste 210, Houston, TX 77070
Jonathan Gonzalez
9595 Six Pines Dr Ste 6200, The Woodlands, TX 77380
Traditions Mortgage Group
2001 Timberloch Place, The Woodlands, TX 77380
Texas Premier Mortgage
2001 Timberloch Place Suite 500, The Woodlands, TX 77380
Texas United Mortgage
2170 Buckthorne Pl Suite 100, The Woodlands, TX 77380
The Caballero Team
9999 Bellaire Blvd, Houston, TX 77036
Commonwealth Mortgage
11133 I-45 South Suite 310A, Conroe, TX 77302
Michelle Thompson Group
24900 Pitkin Road Suite 308, Spring, TX 77386
Homestart Capital
5959 West Loop S. Suite #470, Bellaire, TX 77401
Spring Mortgage
500 Spring Hill Dr, Ste 140, Spring, TX 77386
Crystal Clear Mortgage
18001 Hwy 105 West Suite 109, Montgomery, TX 77356
Kelly Malatesta
9400 Grogans Mill Road, Suite 205, The Woodlands, TX 77380
Storehouse Mortgage LLC
26615 Oak Ridge Dr., The Woodlands, TX 77380

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.