Expertise.com
2024

Last updated:

Best Mortgage Brokers in Cambridge

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

40

Reviewed

30

Curated

15

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
440 Harvard Street, Brookline, MA 02446
  • Refinance
  • New Construction

Why choose this provider?

Blue Door Mortgage serves homebuyers and property owners in Cambridge. The company employs a team of mortgage professionals with over 27 years of combined experience guiding clients through the mortgage process. The organization finds the best home purchase loan for its clients' specific needs and financial situations. It also offers mortgage refinancing options to borrowers looking to shorten loan terms and lower monthly payments. Jonathan White, the company's president, has helped thousands of individuals and families achieve their homeownership goals for over 21 years.

License Verified:

License: 2218

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 (8)

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
19 Pilgrim Road, Boston, MA 02215
  • Commercial Loans

Why choose this provider?

Geovanne Colon is a mortgage broker working with South Wind Financial, Inc. to provide financial services to the residents of Cambridge and the surrounding areas. He handles a variety of mortgage programs for residential clients, helping secure loans for current and potential homeowners. He also caters to experienced homebuyers, those looking to invest in properties, and seniors seeking reverse mortgages. Colon strives to close loans on time by guiding his clients every step of the way.

License Verified:

License: 1880655

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 (24)
Facebook
5.0 / 5 (9)

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
399 Boylston St., Boston, MA 02116
  • Reverse Mortgages
  • Refinance

Why choose this provider?

Mark Jurilla is a mortgage consultant helping the residents of Cambridge with their home financing needs. Before recommending solutions, he takes time to understand clients’ financial goals. The senior loan officer is backed by closing specialists, processors, and underwriters, who are well-versed in different aspects of the industry. Through his affiliation with lender Guaranteed Rate Affinity, Jurilla has direct access to real estate agents, enabling him to enhance customers’ buying experience, from pre-approval to closing.

License Verified:

License: 441305

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 (7)

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
70 Leo M. Birmingham Pkwy, Brighton, MA 02135
  • Reverse Mortgages

Why choose this provider?

Olive Tree Mortgage Solutions provides services throughout the Cambridge metro and the surrounding areas. It guides individuals who wish to purchase primary homes, secondary residences, and investment properties using mortgage loan options. These loan options include VA, FHA, and conventional with five to 10 years of adjustable-rate terms. It is also available for 15 to 30 years fixed term rates. The agency's team members assist clients wanting to refinance their existing loan options to fit their financial goals and needs.

License Verified:

License: 1505241

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 (30)
Facebook
5.0 / 5 (9)

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.
1.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
117 Kendrick St, Suite 300, Needham, MA 02494
  • Refinance

Why choose this provider?

IND Mortgage is a boutique brokerage firm that serves residential, commercial, and investment clients in Cambridge and the surrounding areas. It provides various mortgage loans, including conventional, FHA, VA, and USDA loans. It also offers non-qualified mortgages for self-employed individuals, gig workers, and foreign nationals. IND Mortgage is a recipient of 2019 Best of Newton Upper Falls Award, Real Estate Loans category. Owner Pauline So Lee has been working in the industry for more than three decades.

License Verified:

License: 1785067

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)

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
37 Newbury St, #6th, Boston, MA 02116
  • Refinance
  • New Construction

Why choose this provider?

James A Thom is a mortgage officer for Fairway Independent Mortgage Corporation who serves individuals and families throughout Cambridge and the neighboring areas. He and his team provide assistance throughout a wide selection of loan options, including conventional, FHA, veteran, USDA, jumbo, and renovation loans. A certified mortgage planning specialist, Thom was recently featured in the Boston Agent Magazine for his mortgage lending experience. Fairway was founded in 1996 and has 700 locations across the country, funding $72.5 billion in loans in 2021 alone.

License Verified:

License: 2118704

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 (7)

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
10 Bremen Street, Second Floor, East Boston, MA 02128
  • Refinance
  • New Construction

Why choose this provider?

MDO Mortgage lends its expertise to clients in Cambridge and the surrounding areas. It helps people who want to buy a primary residence, a vacation home, or an investment property to buy or refinance the property. Its team offers a selection of mortgage rate options, including fixed-rate, adjustable ARM, interest-only, and graduated payment. MDO Mortgage is committed to helping borrowers overcome obstacles to securing a loan. One of its loan officers, Diego Osorno, has over 20 years of experience in the financial services industry.

License Verified:

License: 1986484

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 (90)
Zillow
5.0 / 5 (63)
Facebook
5.0 / 5 (27)

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
689 Massachusetts Avenue, Cambridge, MA 02139
  • Refinance
  • New Construction

Why choose this provider?

Kate McGahan is a residential mortgage loan officer of Citizens who serves clients throughout Cambridge and the surrounding areas. Whether customers are purchasing a house, developing one, or refinancing an existing mortgage, she and her team of mortgage advisers offer a variety of loan options to assist them to reach their objectives. These include fixed and adjustable rate mortgages, FHA and VA loan programs, second home and investment property loans, and construction-to-permanent financing. Citizens has a 200-year history of serving the mortgage needs of customers in the area.

License Verified:

License: 697233

Nationwide Multistate Licensing System and Registry

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
2 Winter St Suite #202, Waltham, MA 02451
  • Refinance

Why choose this provider?

American Mortgage Resource Inc. caters to individuals and families in Cambridge and nearby areas. It works with more than 20 lenders and investors to help clients looking to buy a home or refinance and find the loan program that suits their specific needs and situations. Its loan options include jumbo, conventional, FHA, and VA. Reverse mortgages are also available. The company has been in operation since 2007 and is a Massachusetts Mortgage Bankers Association member.

License Verified:

License: 22431

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 (54)
Facebook
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1370 Dorchester Ave, Suite 24, Dorchester, MA 02122
  • Refinance
  • New Construction

Why choose this provider?

The Mortgage Connection is a mortgage brokerage accommodating borrowers in Cambridge. It works with more than 100 lenders and investors to provide a broad range of financing options. These include commercial, conventional, jumbo, FHA, and VA loans, as well as loans for investment properties. It also has 10-to-30-year mortgages and 1-to-5-year adjustable rate mortgages. From first-time home buyers to current homeowners, the company's team assists clients throughout the whole process, from the first call to closing.

License Verified:

License: 1447775

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.
4.8
Facebook
4.8 / 5 (21)
Google
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
40 Eastern Ave Suite 219, Cambridge, MA 02148
  • Refinance

Why choose this provider?

Transcend Mortgage, Inc., is a full-service company that serves individuals, families, and businesses in Cambridge and the surrounding neighborhoods. It provides various mortgage solutions to help clients with purchasing a house and refinancing with the lowest rates and fees. The firm also offers a range of loans with adjustable payment periods. It includes conventional, jumbo, home purchase loans, VA, and FHA loans. Transcend Mortgage, Inc., is one of the listed providers in the Loanzify mobile app.

License Verified:

License: 1499726

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
Google
5.0 / 5 (49)

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
627 Broadway, Everett, MA 02149
  • Refinance
  • New Construction

Why choose this provider?

MJ Mortgage assists individuals and families in purchasing homes and refinancing in Cambridge and nearby locations. It is a mortgage company with a team of loan officers who offer direction and guidance when buying a house. They provide various loan program options to suit buyers' needs. Its ITIN loan program is for those who want to buy a home in the US but do not have a Social Security number. The company's owner and loan originator, Marcio De Jesus, founded MJ Mortgage in 2006.

License Verified:

License: 5743

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.
4.1
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
471 Eastern Ave, Chelsea, MA 02150
  • Refinance
  • New Construction

Why choose this provider?

Since 2016, Boston Mortgage Services has been working with clients in and around Cambridge. The company sets up various loan programs for individuals seeking to purchase homes, including FHA mortgages and conventional loans. It has dealt with properties like single-family houses and condos. The company also guides homeowners in refinancing their mortgages to obtain cash for property improvement purposes. Its owner and founder, Elba Rojas, has been in the financial services industry for over 25 years.

License Verified:

License: 1473315

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 (77)

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
Charlestown, MA 02129
  • Refinance

Why choose this provider?

Best Rate Mortgage provides home financing solutions to first-time homebuyers and investors throughout Massachusetts, including Cambridge. It offers conventional, fixed-rate, and adjustable-rate mortgages from wholesale lenders and loan programs backed by Freddie Mac and Fannie Mae. The brokerage has loan officers deployed across the state using modern technology to complete in-person or virtual document signatures or transfers. Best Rate Mortgage has been in operation since 2011. Its founders have over 20 years of combined industry experience.

License Verified:

License: 398039

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 (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
354 Main Street, Winthrop, MA 02152
  • Refinance

Why choose this provider?

MSA Mortgage is a full-service company that serves the lending needs of home buyers in the Cambridge metro. It helps clients find and determine loans suitable for their goals, with options such as adjustable-rate mortgages, FHA, jumbo, or conforming plans. Its professionals assist in accomplishing the pre-approval process and preparing, reviewing, and ordering relevant loan documents. The company gives back to the community by supporting the nonprofit Mi Amore. It also serves clients in Vermont and Florida.

License Verified:

License: SLM6998

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.
4.8
Facebook
5.0 / 5 (22)
Google
4.5 / 5 (17)
Yelp
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.