Expertise.com

Best Mortgage Brokers in South Bend

2024

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Providers

Last updated:

Website
161 St Matthews Ave STE 10, Louisville, KY 40207
  • Refinancing
  • Home Financing
  • Home Purchase
  • Mortgage Broker

Why choose this provider?

Lightpoint Mortgage Company Inc. caters to homeowners and individuals looking to buy or sell property in the South Bend community. The locally focused brokerage provides clients with a wide range of mortgage options, from HARP, FHA, and VA loans to Jumbo, USDA, and 203(k) loans. It also offers reverse mortgage loans for homeowners who want to cash in on their equity or reduce their monthly mortgage payments. Its brokers and loan officers have been helping clients secure home loans fit for their needs since 2011.

License Verified:

License: 408969

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 (107)
Zillow
4.8 / 5 (55)
Facebook
5.0 / 5 (25)

(+1 additional source)

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

Price: Call for consultation

South Bend, IN

Why choose this provider?

Need help contacting a Mortgage Broker in South Bend? 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.

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

Price: Free booking service | Call 848.Book.Pro!

Website
890 E Sidewalk Rd., Chesterton, IN 46304

Why choose this provider?

The Mortgage Exchange is a residential home financing company that has been serving clients in and around South Bend since 2013. It assists individuals and families applying for a refinance loan for various purposes, such as reducing interest rates and extending or modifying loan terms. The agency's lending specialists assess the financial status of potential borrowers and provide recommendations according to their needs. Some of the loan programs available for first-time homebuyers and borrowers are FHA, USDA, VA, conforming, and jumbo and super jumbo mortgages.

License Verified:

License: 1248883

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.
4.5
Facebook
4.3 / 5 (26)
Google
5.0 / 5 (14)

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
517 Franklin Street Suite 101, Michigan City, IN 46360
  • Multi-Family Loans

Why choose this provider?

Allison Dent serves South Bend residents with loan products from First Centennial Mortgage. Since 2006, mortgage loan originator Allison Dent has helped clients make informed decisions by educating them about different mortgage loans and keeping them up-to-date throughout the mortgage process. She provides prospective buyers with various loan options: fixed-rate loans with lower risks, conventional mortgages with flexible terms, FHA loans for first-time home buyers and low-income families, and VA loans for service members and their families.

License Verified:

License: 443951

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 (16)

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
350 Morthland Dr., Valparaiso, IN 46383
  • Refinance

Why choose this provider?

Ryan Eberhardt is a senior mortgage loan officer for Diamond Residential Mortgage Corporation who supports first-time home buyers, refinancing homeowners, and investment buyers in South Bend and its surrounding communities. He evaluates clients' financial goals and customizes a mortgage that suits their needs. He provides various loan options, such as conventional, USDA, jumbo, VA, and FHA. Ryan has been in the industry for more than 11 years and has closed over $325 million in volume throughout his career.

License Verified:

License: 260832

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
Zillow
4.9 / 5 (37)

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
54505 26th Street, Suite F, South Bend, IN 46635
  • Refinance

Why choose this provider?

Jonathan McKinnies is a team leader at Hallmark Home Mortgage, serving the South Bend community. He and his team walk clients through the home buying process and help them determine their best options. They provide various financing programs, including downpayment assistance for first-time buyers and VA, FHA, and conventional loans. Additionally, the agents assist home buyers with needs such as refinancing, construction loans, and USDA financing. McKinnies joined the company in 2009 and serves on the Michigan Chapter of the Indiana Mortgage Bankers Association.

License Verified:

License: 226786

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
4.9 / 5 (255)
Zillow
5.0 / 5 (237)
Realtor
4.9 / 5 (50)

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
3700 Lake City Highway, Warsaw, IN 46580
  • Refinance

Why choose this provider?

Michelle Miller works under the Annie Mac Home Mortgage banner, serving clients in South Bend who need home purchase and refinancing options. These products include jumbo and conventional loans. Government-sponsored options covered by the USDA and FHA are also available. An online education center is maintained to inform customers on the basics of real estate finances, like interest and credit scores. Michelle manages the branch operating in the metro. She also handles refinancing concerns.

License Verified:

License: 420723

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 (20)

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
216 N Main Street, Goshen, IN 46526
  • Refinance

Why choose this provider?

George Burkley provides the mortgage needs of clients in South Bend and the surrounding areas. George specializes in helping homebuyers purchase their primary or vacation homes using mortgage loan programs. He also caters to individuals wishing to apply for mortgage options to purchase real estate investments that maximize their ROI. He is also available to provide reverse mortgage loans for senior citizens aged 62 and above who wish to keep their residences or obtain cash from their home's equity. George works at American Mortgage and Financial Services.

License Verified:

License: 133986

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 (27)
Zillow
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

Website
813 S Huntington Street, Suite 2, Syracuse, IN 46567
  • Refinance
  • New Construction

Why choose this provider?

Team Tuttle Mortgage, L.L.C., has been serving individuals and families in South Bend since 1997. It offers different mortgage options, including fixed-rate, adjustable-rate, graduated payment, and interest-only. Clients may choose from various loan options, including jumbo, FHA, VA, and USDA. Its agents conduct personal home financial analyses to determine properties that fit the assets and liabilities of home buyers. They also assist with refinancing. Team Tuttle Mortgage was founded by Tom and Holly Tuttle, who have over 50 years of collective industry experience and expertise.

License Verified:

License: 137734

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 (8)
Google
5.0 / 5 (5)

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

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.