Expertise.com

2024

Last updated:

Best Mortgage Brokers in Holland

Our Recommended Top 3

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

11Reviewed

7Curated

3Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

3088 Sheffield Street, Norton Shores, MI 49441
WebsiteLicense: 112844

Expertise.com Rating

Review Sources

Google
5.0 (193)
Facebook
5.0 (15)

Why choose this provider?

PierPoint Mortgage is a mortgage refinance and lending company serving Holland and nearby areas. The company caters to first-time buyers and homeowners with a variety of loan options and terms. Purchase loan products include USDA, VA, conventional, and jumbo loans. The company also offers mortgage refinance options. It caters to senior clients above 62 years old who need a reverse mortgage. Online pre-approval and application processes are available. PierPoint Mortgage has operated in the mortgage industry for 50 years.

  • Refinance
  • Reverse Mortgages

305 Hoover, Holland, MI 49423
WebsiteLicense: 156007

Expertise.com Rating

Review Sources

Google
5.0 (36)
Yelp
5.0 (1)

Why choose this provider?

The Mortgage House Incorporated is a full-service mortgage brokerage firm that serves clients from Holland and nearby areas. The business helps individuals in choosing the right mortgage loans with the best interest rates. Its team of mortgage brokers handles the needs of first-time home buyers, second home buyers, as well as seniors seeking reverse mortgages. One of Mortgage House's leading brokers is Debbie who has been working in the industry for more than 15 years.

  • Refinance

2464 Fuller Avenue Northeast, Grand Rapids, MI 49505
WebsiteLicense: 110139

Expertise.com Rating

Review Sources

Facebook
5.0 (10)

Why choose this provider?

Since it began operating in 2000, Apollo Home Mortgage has been helping individuals and families in Holland achieve their homeownership goals with its mortgage lending services. The company provides a variety of home loan programs, such as fixed-rate, conventional, FHA, USDA, and VA. The firm also offers manufactured home loans, Jumbo loans, as well as renovation and RD construction loans. The firm is a subsidiary of AmeriFirst Financial Corporation, a rural development lender in the U.S., but its entire loan process is completed locally. 

  • 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.