Expertise.com

2024

Last updated:

Best Mortgage Brokers in Carmel

Our Recommended Top 15

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

36Reviewed

27Curated

15Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

161 St Matthews Ave STE 10, Louisville, KY 40207
WebsiteLicense: 408969

Expertise.com Rating

Review Sources

Google
5.0 (107)
Zillow
4.8 (55)
Facebook
5.0 (25)

Why choose this provider?

Lightpoint Mortgage Company Inc. serves home buyers and sellers in Carmel and the surrounding communities. Its wide array of mortgage and loan options includes FHA, VA, Jumbo, and HARP loans, as well as fixed- and adjustable-rate mortgages. While it specializes in home purchase loans, it also offers reverse mortgages for homeowners looking to take out cash or pay off their loans faster. Lightpoint Mortgage Company has been in the industry since 2011, guiding clients in obtaining suitable loans with rates they can manage.

  • Home Purchase
  • Refinancing
  • Home Financing
  • Mortgage Broker

Carmel, IN

Expertise.com Rating

Why choose this provider?

Need help contacting a Mortgage Broker in Carmel? 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.

8445 Keystone Crossing Blvd,, Indianapolis, IN 46240
WebsiteLicense: 124728

Expertise.com Rating

Review Sources

Google
5.0 (351)
Facebook
4.3 (12)

Why choose this provider?

Grandview Lending Inc. provides services in Carmel and the neighboring areas. The company carries a wide range of mortgage loan programs, such as VA, FHA, jumbo, and reverse, to help clients buy residential properties that fit their needs and budget. It also offers USDA loans for individuals and families wishing to purchase homes in rural areas, including Boone, Hamilton, Johnson, Morgan, Hancock, and Shelby. The company's president, Michael Farrell, has been in the industry since 1998.

  • Refinance
  • New Construction

600 E Carmel Dr Ste 155, Carmel, IN 46032
WebsiteLicense: 2334

Expertise.com Rating

Review Sources

Google
4.9 (57)
Facebook
5.0 (23)
Yelp
3.0 (2)

Why choose this provider?

GVC Mortgage serves clients across Carmel. The company offers loan programs for homebuyers, including conventional and jumbo mortgages. It also provides physician loans, a solution that allows medical professionals with existing student loans to obtain homeownership financing. It meets clients facing other issues like refinancing and helps them consolidate debt, reduce program terms, or attain lower interest rates. GVC Mortgage is affiliated with a variety of industry organizations, ranging from the Indiana Mortgage Bankers Association to Lenders One.

  • Refinance

8200 Haverstick Rd., Suite 255, Indianapolis, IN 46240
WebsiteLicense: 1434416

Expertise.com Rating

Review Sources

Google
4.8 (23)
Facebook
4.7 (19)

Why choose this provider?

Will Reno, a mortgage consultant and loan officer at Fairway Independent Mortgage, serves families and individuals in the Carmel metro. He helps clients finance their home purchases through various loan programs. He also assists clients with getting a better rate for paying off their homes through refinancing solutions and acquiring funding for new construction. Will has been in the mortgage industry for over seven years. He previously worked as a social media coordinator and as an assistant golf professional. 

  • Multi-Family Loans

8980 Technology Dr., Fishers, IN 46038
WebsiteLicense: 107592

Expertise.com Rating

Review Sources

Google
5.0 (41)
Facebook
5.0 (20)

Why choose this provider?

CrownMark Mortgage caters to clients throughout Carmel. It provides a wide variety of financial solutions for people looking to buy a house, such as FHA and VA loans. It also supports homeowners who want to refinance their mortgages to lower their monthly payments, convert to a shorter loan term, consolidate debts, or obtain cash from the equity in their homes. The company's team members work closely with customers throughout the entire loan process, from pre-qualification and application to processing of the estimated loan and closing.

  • Refinance

8465 Keystone Crossing #145, Indianapolis, IN 46240
WebsiteLicense: 199907

Expertise.com Rating

Review Sources

Google
4.9 (738)
Facebook
4.7 (98)
Yelp
4.5 (12)

Why choose this provider?

MJW Mortgage caters to residents of Carmel who are considering a home purchase or refinance. It provides conventional and jumbo loans and FHA, USDA, and VA financing. The HUD-approved lending institution also offers physician loan programs to veterinarians, dentists, and ophthalmologists. Through its milestone updates, the company keeps customers informed on their loan status. MJW Mortgage was founded during the 2008 financial crisis out of a desire to set new home lending standards. It is a member of the Mortgage Bankers Association.

  • New Construction
  • Refinance

811 W Main St Suite 210,, Carmel, IN 46032
WebsiteLicense: 664589

Expertise.com Rating

Review Sources

Google
5.0 (26)
Zillow
5.0 (1)

Why choose this provider?

Advisors Mortgage Group provides services to locals across the Carmel metro. It helps individuals and families purchase their first homes while meeting their financial goals and budgets by assisting them in applying for mortgage loan programs. It also offers mortgage refinancing services for clients wanting to receive funds from their home's equity, allowing them to remodel their homes and consolidate their debts. Advisors Mortgage Group extends its services to clients throughout Indianapolis, Franklin, Michigan City, Logansport, and La Porte.

  • Refinance

9745 Randall DriveSuite 130, Indianapolis, IN 46280
WebsiteLicense: 148890

Expertise.com Rating

Review Sources

Facebook
5.0 (38)
Google
4.8 (24)

Why choose this provider?

Midwest Bankers Mortgage Services, Inc., caters to homeowners and homebuyers in Carmel. The company helps local borrowers who have been declined by other lenders as a result of poor credit and a high debt-to-income ratio. It also offers a variety of loan programs for clients looking to consolidate their debts, refinance their homes, or purchase new properties. These include FHA, VA, USDA, and jumbo loans. Additionally, it provides options for customers to settle monthly mortgages through interest-only and graduated payments.

  • Refinance

240 S Rangeline Rd Ste #9, Carmel, IN 46032
WebsiteLicense: 1728487

Expertise.com Rating

Review Sources

Google
5.0 (6)
Zillow
4.8 (4)

Why choose this provider?

Brokered Rate serves the communities in and around Carmel. It offers mortgage solutions that enable clients to have a streamlined loan experience and shorter rate locks. These include conventional Veteran Affairs and Federal Housing Administration home loans that can be offered to single and multi-family clients. Eric Covington, the broker and the owner of the company, has been in the mortgage industry since 2013. He handles the paperless process, from application to processing and closing.

  • Refinance
  • New Construction

865 West Carmel Drive · Suite 112, Carmel, IN 46032
WebsiteLicense: 156289

Expertise.com Rating

Review Sources

Facebook
5.0 (8)
Google
3.8 (6)

Why choose this provider?

Atlantic Mortgage, Inc., is a wholesale lending service provider for customers in and around the Carmel area. Its mortgage brokers, who have over 20 years of combined industry experience, cater to the financing-related needs of homebuyers, realtors, custom builders, and other brokers. The company's portfolio includes refinancing options, such as rate-and-term refinancing, cash-outs, debt consolidation, and construction-to-permanent mortgages. Atlantic Mortgage, established in 2004, is also licensed to operate in Florida and is an Equal Housing Opportunity lender.

  • Refinance

601 E Greyhound Pass, Carmel, IN 46032
WebsiteLicense: 1450333

Expertise.com Rating

Review Sources

Google
5.0 (95)

Why choose this provider?

Located in Carmel, Powell Home Mortgage, LLC, is a full-service, family-owned, and family-operated brokerage that aids individuals and families with their home purchases or refinancing. Its team of loan officers has assisted more than 600 clients with purchase options of single, multi-family, townhouse, condominium, or manufactured home. Several mortgage calculators are available for refinance, extra payment, principal, interest-only, and APR. Powell Home Mortgage was established in 2016 by Indianapolis native David Powell, who has over 16 years of industry experience.

  • Refinance

250 E. 96th St STE 280, Indianapolis, IN 46240
WebsiteLicense: 133817

Expertise.com Rating

Review Sources

Google
5.0 (58)
Facebook
4.8 (38)
Zillow
5.0 (2)

Why choose this provider?

Langdon Mortgage Company, Inc., has been helping clients in Carmel since 1994. Its mortgage brokers work with individuals and families regarding buying homes for the first time or refinancing. They offer assistance in jumbo loans, as well as VA, FHA, and vacation home mortgages. The agents also provide financing for condominium mortgages and have partnerships with condominium developers. The company is a direct lender with access to funding the client's loan internally. As a broker, it shops with several lenders to help find a loan suitable for clients.

  • Refinance
  • New Construction

1980 E. 116th Street Suite 120B, Carmel, IN 46032
WebsiteLicense: 129852

Expertise.com Rating

Review Sources

Facebook
5.0 (30)

Why choose this provider?

Channelwood Mortgage, Inc. has been offering financial solutions to prospective loan applicants in Carmel since 1996. Its co-owner, Denise Long, possesses decades' worth of first-hand knowledge of the real estate market and mortgage-related processes, which she uses to support her counsel for clients. She and her fellow loan officers contribute to debt payments, home improvements, and new property purchases with their conventional, jumbo, VA, and FHA loans. They also offer equity and imperfect credit choices for those who wish to refinance.

  • Refinance

15 E Main St Suite 300, Carmel, IN 46032
WebsiteLicense: 131332

Expertise.com Rating

Review Sources

Google
4.9 (53)
Facebook
5.0 (8)

Why choose this provider?

Duffy Mullen is the branch manager of Celebrity Home Loans, LLC. He assists homeowners and buyers in Carmel and the nearby cities in purchasing homes or refinancing mortgages. It includes getting pre-qualified for home loans; accessing various programs ideal for the clients' needs; and making competitive offers in bidding. The company has been in the industry since 2006. It is affiliated with different home loan brands such as Champion Mortgage Group, eClick Lending, and Wells Funding.

  • Refinance

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.