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2024

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Best Mortgage Brokers in Racine, WI

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

26Reviewed

18Curated

8Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

14380 W Capitol DrSuite 1, Brookfield, WI 53005
WebsiteLicense: 220081

Expertise.com Rating

Review Sources

Facebook
5.0 (61)
Google
4.9 (39)
Zillow
5.0 (23)

Why choose this provider?

Guidance Mortgage LLC provides various financial solutions to residents of Racine. It serves borrowers seeking FHA, VA, jumbo, USDA, fixed, and adjustable-rate loans. The business also has programs for those who want interest-only and graduated payments loans. Additionally, it assists homeowners seeking refinancing options for their condos, townhouses, or single, multi-family, and manufactured homes. Guidance Mortgage strives to maintain a reputation for good customer service, and most of its business comes from referrals from previous clients.

  • Refinance

N16W23217 Stone Ridge Dr #110, Waukesha, WI 53188
WebsiteLicense: 255368

Expertise.com Rating

Review Sources

Zillow
4.9 (160)
Google
4.5 (72)
Facebook
4.2 (33)

Why choose this provider?

Accunet Mortgage has been serving Racine clients since 1999. The firm utilizes a streamlined mortgage process, making it simple for first-time and seasoned investors to achieve their homeownership goals. Its mortgage brokers work with clients to determine which type of home loan best meets their needs, including fixed-rate, ARM, FHA, Bridge, Jumbo, and WHEDA. The team also works with clients who want to consolidate debt, shorten loan terms, or take cash out of their home's equity through refinancing. The firm was previously named Entrepreneur of the Year by Microsoft and Ernst & Young.

  • Refinance
  • New Construction

200 S. Executive Drive Ste. 120, Brookfield, WI 53005
WebsiteLicense: 957614

Expertise.com Rating

Review Sources

Google
5.0 (242)

Why choose this provider?

Ritchie Baumann caters to residential property owners in Racine who are looking to learn about the mortgage process. He is a loan officer for ProVisor, a company that has been in operation for more than 20 years. Baumann provides clients with a variety of mortgage solutions, including USDA, WHEDA, FHA, and VA loans. He also extends services to first-time homebuyers and discusses matters concerning refinancing, such as how interest rates may be lowered. Other localities served include Watertown and Madison.

  • Refinance

15430 W Capitol Drive, Brookfield, WI 53005
WebsiteLicense: 273735

Expertise.com Rating

Review Sources

Facebook
5.0 (23)
Google
4.7 (13)

Why choose this provider?

Brian Tarwid is a Go Mortgage broker who helps individuals and families in Racine and the surrounding areas with their home purchasing concerns. He assists clients in buying their dream homes through a variety of government-backed loan options. These include FHA, USDA, VA, and WHEDA mortgages. Tarwid has other loans that can be used for renovations and property investments. The broker also provides programs that focus on down payment assistance, home equity, and cash-out refinance.

  • Refinance

6501 Green Bay Road, Kenosha, WI 53142
WebsiteLicense: 264888

Expertise.com Rating

Review Sources

Google
4.2 (26)

Why choose this provider?

Gateway Mortgage Corp. is a family-owned and family-operated business serving the residents of Racine. It offers various types of mortgages, including conventional, construction, interest-only bridge, VA, and FHA loans. The mortgage banker is a direct endorsement lender for HUD, WHEDA, and WDVA and an approved seller for Fannie Mae, Freddie Mac, and Ginnie Mae. Gateway Mortgage handles the origination, processing, and underwriting processes in-house. It provides honest mortgage guidance by updating clients on changes in regulations, interest rates, and the housing market.

  • Refinance

2833 West Layton Avenue, Milwaukee, WI 53221
WebsiteLicense: 252121

Expertise.com Rating

Review Sources

Google
4.8 (13)

Why choose this provider?

Wisconsin Wholesale Mortgage is a loan originating company that serves customers in Racine and the surrounding areas. It offers different types of loan programs, including jumbo, HARP, FHA, and VA loans, with fixed and adjustable rates. It also assists with refinancing options that change a current mortgage's interest rate, term, or monthly payments. Wisconsin Wholesale Mortgage is owned and operated by Darrell Frenzel, who has over 11 years of experience in the industry working with first-time and seasoned homebuyers.

  • Refinance

11220 W Burleigh St Ste 100 Unit M121, Wauwatosa, WI 53222
WebsiteLicense: 1639987

Expertise.com Rating

Review Sources

Google
5.0 (194)

Why choose this provider?

Ethan Brooks addresses the real estate needs of residents in the Racine area and the surrounding locations. He caters to first-time home buyers, veterans, and professionals who want to purchase various types of residential properties. As a part of the Fairway Independent Mortgage Corporation, the specialist offers a selection of mortgage options, including adjustable- and fixed-rate, jumbo, conventional, renovation, FHA, and USDA or rural development loans. Brooks has worked as a loan originator at CrossCountry Mortgage, Inc. from 2017 to 2020.

  • Refinance
  • New Construction

306 North 76th Street, Milwaukee, WI 53213
WebsiteLicense: 1185035

Expertise.com Rating

Review Sources

Google
4.9 (88)

Why choose this provider?

Wisconsin Mortgage Group LLC delivers financial solutions to customers in Racine. The business offers various loan programs such as FHA, VA, jumbo, USDA, and conventional for clients looking to purchase a new home. It also provides refinancing options to obtain lower rates and monthly payments for existing loans or use the cash from home equity. The company aims to provide its borrowers with rates that meet their situation, lifestyle, and needs by working with more than 100 lenders.

  • Refinance
  • New Construction

Compare our Top Mortgage Brokers

NameExpertise RatingAddressPromotionsLearn more
Guidance Mortgage LLC
14380 W Capitol DrSuite 1, Brookfield, WI 53005
Accunet Mortgage
N16W23217 Stone Ridge Dr #110, Waukesha, WI 53188
Ritchie Baumann
200 S. Executive Drive Ste. 120, Brookfield, WI 53005
Brian Tarwid
15430 W Capitol Drive, Brookfield, WI 53005
Gateway Mortgage Corp.
6501 Green Bay Road, Kenosha, WI 53142
Wisconsin Wholesale Mortgage
2833 West Layton Avenue, Milwaukee, WI 53221
Ethan Brooks
11220 W Burleigh St Ste 100 Unit M121, Wauwatosa, WI 53222
Wisconsin Mortgage Group LLC
306 North 76th Street, Milwaukee, WI 53213

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.