Expertise.com

Best Mortgage Brokers in Louisville

2024

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Providers

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Website
161 St Matthews Ave STE 10, Louisville, KY 40207
  • Home Financing
  • Indiana Mortgage Broker
  • Kentucky Mortgage Broker
  • Purchase and Refinance

Why choose this provider?

Lightpoint Mortgage offers personalized mortgage solutions in Louisville. It is dedicated to helping first-time homebuyers and seasoned investors achieve their unique goals by providing a wide range of financing options, such as HARP, USDA, VA, and FHA loans. Adjustable-rate and 15 or 30-year fixed mortgages are also available. In addition, the firm makes clients' homeownership journey stress-free and seamless by giving expert advice on property purchasing. Lightpoint Mortgage has been in the industry 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

Louisville, KY

Why choose this provider?

Need help contacting a Mortgage Broker in Louisville? 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
5223 Dixie Highway, Louisville, KY 40216
  • Refinance

Why choose this provider?

Frankie Story is an American Mortgage Service Company mortgage originator that has been serving clients in the Louisville area since 1993. She provides various types of loans, including FHA, USDA RD, VA, and conventional loans, for clients looking to purchase a home. Additionally, she offers refinancing solutions for homeowners seeking lower monthly payments, shorter mortgage terms, and home equities in current properties. Frankie aims to provide mortgage information and education to help clients make informed decisions.

License Verified:

License: 470734

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
Zillow
5.0 / 5 (19)
Google
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
12700 Townepark Way, Louisville, KY 40242
  • Refinance
  • Reverse Mortgages

Why choose this provider?

Wholesale Mortgage Source LLC is a Louisville-based mortgage brokerage headed by Brian Curl. The company assists clients in finding and applying for loan products tailored to their financial goals. Its loan officers can help clients apply for 203k loans, VA loans, and 15 and 30 year mortgages. The company can also advise clients on refinancing their existing mortgages. Brian Curl has over 20 years of industry experience and holds a master's degree in Business Administration.

License Verified:

License: 1582934

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 (96)
Facebook
5.0 / 5 (12)
Yelp
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
10140 Linn Station Road, Louisville, KY 40223
  • Refinance

Why choose this provider?

Statewide Mortgage offers commercial and home loans in Louisville. Run by Donnie Benningfield, the company provides various loan types, such as home refinance, home purchase, and reverse mortgage. These products apply to properties like single-family, multi-family, condominiums, townhouses, and manufactured homes. He also offers a wide range of loan programs, namely fixed-rate mortgages, adjustable-rate mortgages, FHA loans, and VA loans. Benningfield has been in the business for over 20 years and has run the mortgage company for 18.5 years.

License Verified:

License: 1304

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 (149)
Facebook
4.0 / 5 (63)
Yelp
4.0 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
209 North Mulberry Street, Elizabethtown, KY 42701
  • Purchase and Refinance
  • New Construction

Why choose this provider?

United Residential Mortgage is a residential mortgage company committed to providing custom mortgage solutions and great customer service to Louisville residents. ​It offers USDA rural housing, FHA loans, VA loans, HARP loans, and conventional home loans, which all include fixed-rate options as well as ARM options. It aims to deliver a fast and transparent mortgage process for homebuyers and homeowners, whether they are purchasing or refinancing a home. Testimonials describe the company as reliable and efficient.

License Verified:

License: 1326012

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 (24)

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
916 Lily Creek Road, Louisville, KY 40243
  • Refinance

Why choose this provider?

Old Colonial Mortgage explores home loan opportunities for clients in Louisville. It aids in completing mortgage qualifiers and comparing interest rates and terms, offering fixed and adjustable-rate programs and FHA, VA, and USDA loans. It also offers jumbo loans, 203k loans, and reverse mortgages. Old Colonial Mortgage also provides refinancing options, counseling homeowners on their respective mortgage scenarios and terms. Partner and loan originator Kurt Ehret has assisted clients who were told, "You don't qualify." He draws from his experience of evaluating mortgage scenarios and credit restoration.

License Verified:

License: 1265

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.
3.3
Facebook
3.0 / 5 (8)
Google
4.0 / 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.
2.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
231 Breckenridge Lane, Louisville, KY 40207
  • New Construction
  • Refinance

Why choose this provider?

Borrowers Choice Mortgage is a locally owned mortgage broker that serves clients in Louisville. In collaboration with wholesale lenders across the country, the company offers a variety of loan options for homeowners and homebuyers, including fixed-rate and adjustable-rate mortgage loans. It also customizes fixed terms in one-year increments from 10 to 30 years. Since the company's establishment by Drew A. Schaefer in 1999, it has originated numerous home loans and has obtained various customer referrals.

License Verified:

License: 948

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.
4.6
Facebook
5.0 / 5 (18)
Google
4.0 / 5 (11)

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
2832 Shepherdsville Road, Elizabethtown, KY 42701
  • New Construction
  • Refinance

Why choose this provider?

Built and established in 1983, Amerifirst Home Mortgage has provided Louisville and its surrounding communities with mortgage and financial solutions for their home buying needs. It has since offered a wide variety of loan options, including conventional loans, FHA loans, VA loans, and renovation loans, along with refinancing. It also offers HomeStyle® Renovation, a loan designed for homeowners who want to remodel. Amerifirst Home Mortgage is now present in more than 70 locations and has continued to grow with over 700 employees.

License Verified:

License: 110139

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
Zillow
5.0 / 5 (117)
Facebook
5.0 / 5 (3)

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
3001 Charlestown Crossing Way, New Albany, IN 47150
  • New Construction
  • Refinance

Why choose this provider?

Signature Mortgage is a full-service mortgage firm serving clients in the Louisville area. The company provides a wide variety of government loan products, including FHA, VA, and rural housing or USDA. Signature Mortgage provides homeowners with refinancing programs that assist in consolidating debt, reducing monthly payments, getting cash equity, and paying debts off faster. The company's website has mortgage calculators for further research and analysis. Its professionals can also provide assistance with downpayments and credit score analysis.

License Verified:

License: 39183

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 (36)
Facebook
5.0 / 5 (25)
Yelp
5.0 / 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.
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.