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Best Mortgage Brokers in Aurora

2023

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Last updated:

Website
202 Campbell Street, Geneva, IL 60134
  • New Construction

Why choose this provider?

Tony M. Costabile, Jr. is a mortgage specialist at Geneva Financial Mortgage, a direct lender serving Aurora and nearby areas. With more than 16 years of experience, Costabile has been helping individual homebuyers, property investors, real estate professionals, and builders with their purchase or refinance needs. Various mortgage products offered are conventional loans, jumbo loans, FHA and VA loans, and reverse mortgages. The company ranked #6 as the Best Mortgage Companies to Work For by National Mortgage News.

License Verified:

License: 229808

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
1723 Simms Street, Aurora, IL 60504
  • Refinance

Why choose this provider?

Shamrock Home Mortgage is a comprehensive mortgage brokerage firm serving the Aurora metro and nearby areas. It offers home purchase and refinancing solutions through mortgage products such as government-insured FHA and VA loans. The firm also provides home loan products with fixed- and adjustable-rate options. Shamrock Home Mortgage also has a satellite office in Texas. Founder Ryan Carrigan has been assisting clients for more than two decades. His previous work involves investment banking at Bank of America.

License Verified:

License: 1680873

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7

Website
102 1st Street, Batavia, IL 60510
  • Refinance

Why choose this provider?

Matthew Roder, the vice president of Mortgage Lending, has been serving homeowners in Aurora and its nearby communities. He specializes in educating clients about and helping them apply for conventional, FHA, VA, and jumbo loans. Matt also assists homeowners in refinancing by recommending programs with lowered interest rates or shorter loan durations. Matt was twice named by Mortgage Executive Magazine as its Top 1% Mortgage Lender in America. He and his branch are also members of the Mortgage Bankers Association.

License Verified:

License: 206272

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (21)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
40W310 LaFox Road, St. Charles, IL 60175
  • Refinance

Why choose this provider?

Claude Ehinger has been providing professional financial advice in Aurora and nearby areas since 2004. Ehinger works with every type of client including new homebuyers and millennials. Some of his clients comprise of people who may need downpayment assistance, those with a complicated credit history, and clients facing obstacles in finding mortgage assistance. His services include conventional, jumbo, FHA, VA, and low downpayment loans. Aimed at providing quality service, he uses his experience and knowledge in the industry to serve customers.

License Verified:

License: 225237

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (9)

Website
1350 East Main Street, St. Charles, IL 60174
  • New Construction

Why choose this provider?

Partners In Mortgage is a firm that serves clients in the Aurora area and its nearby communities. Established in 1998, the family-owned business has been helping its clients select the most suitable loan options for their specific goals and needs. Partners In Mortgage, with its vast network of lenders, also assists first-time homebuyers in planning and preparing for their big purchase. Additionally, it guides those who are looking into refinancing, whether to get a cashout, shorter terms, or lower monthly payments.

License Verified:

License: 209585

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
651 North Washington Street, Naperville, IL 60563
  • Refinance

Why choose this provider?

The Marino Lending Team is a mortgage company based in Naperville that provides mortgage services to clients in nearby areas, including Aurora. The company offers mortgage solutions to clients looking to purchase a new home, make home renovations, consolidate debt, and refinance their current mortgage. It provides various loan options such as fixed-rate and adjustable-rate mortgages as well as conventional, FHA, VA, and jumbo loan programs. Additionally, The Marino Lending Team offers down payment assistance programs to first-time homebuyers.

License Verified:

License: 209516

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
5.0 / 5 (60)
Facebook
3.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
1430 Dekalb Avenue, Sycamore, IL 60178
  • Refinance
  • Multi-Family Loans

Why choose this provider?

Source 1 Mortgage is a company serving clients in Aurora and the surrounding areas. It caters to individuals purchasing, selling, or refinancing homes by providing various loan options, including USDA, FHA, and VA loans, as well as 15-year and 30-year fixed mortgages. The professionals in the company also educate their clients by discussing the details of their loans to help them make wise decisions. Moreover, its website contains different mortgage tools, such as refinance analysis and payment calculators.

License Verified:

License: 269119

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (9)
Yelp
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
410 East State Street, Geneva, IL 60134
  • Refinance

Why choose this provider?

First Cosmopolitan Mortgage Inc is a mortgage company providing home financing solutions in Aurora. It currently has offices in Geneva, Illinois, and Lakewood Ranch, Florida offering FHA, VA, USDA, and Jumbo loan program options. Its mortgage brokers help clients in exploring these loans as well as in choosing the mortgage rate option that fits their needs. First Cosmopolitan Mortgage opened in 1987 and it has since assisted over 5,000 clients in obtaining their desired homes.

License Verified:

License: 279675

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (4)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
2.3
Responsiveness
Friendliness
Helpfulness
––
Detail
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Website
108 1st Street, Batavia, IL 60510
  • Refinance
  • Purchase Transactions

Why choose this provider?

Initial Mortgage is a team of mortgage professionals serving Aurora. It assists clients in financing homes or properties, refinancing current loans, or consolidating debts, whether they are first-time buyers or investors. Several loan options, such as 15-year to 30-year fixed mortgage, FHA loans, loans for self-employed individuals, and non-qualifying programs, are also offered. The firm also works with companies in providing financial guidance to employees through mortgage and real estate services.

License Verified:

License: 1763826

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
5.0 / 5 (3)
Facebook
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
4003 Plainfield-Naperville Road, Naperville, IL 60564
  • Refinance

Why choose this provider?

Smart Mortgage is a mortgage broker that serves clients in Aurora. It offers a wide range of mortgage loan options for homeowners and homebuyers, including USDA loans, FHA loans, VA loans, FHA VA streamline refinancing, reverse mortgages, and cash-out refinancing. Brian Birk established the company in 1997. He has been involved in the daily operations of the business for 23 years. Brian is also a supporter of the non-profit organization, All Life Animal Rescue.

License Verified:

License: 222269

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (283)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
206 1/2 West State Street, Geneva, IL 60134
  • Refinance

Why choose this provider?

Premier Financial Services, Inc. is a full-service mortgage company specializing in conventional, reverse, FHA, and VA mortgage loans. This Geneva-based firm provides services in the entire State of Illinois, including the cities of Aurora, Chicago, and Springfield. Its team of mortgage professionals guides clients throughout the process of identifying and securing the purchase and refinancing options that fit their needs. Premier Financial Services opened in 1997 and has since released 550 million worth of funded loans.

License Verified:

License: 266214

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (1)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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Frequently Asked Questions

  • 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.