Expertise.com

Best Mortgage Brokers in Rochester Hills

Laurels
2023
Laurels

We did the research for you!

Learn more
  • checkboxLicensing
  • checkboxUser Reviews
  • checkboxMystery Shopping Calls

Mortgage Brokers FAQs

Learn more
FREE

Expertise.com Concierge

Let us do the work for you!

Share your needs with our Concierge team, and they'll book you with our best available top-ranked service providers!

Align Lending logo
Visit WebsiteWebsite

License Verified:

License: 2041154

Nationwide Multistate Licensing System and Registry

Align Lending

Visit WebsiteWebsite
3374 Huntsman Boulevard,, Lake Orion, MI 48360
  • Refinance

Business Description

Align Lending is an independent mortgage broker serving the homeownership needs of the locals in Rochester Hills and nearby areas. The company guides homebuyers in applying for mortgages such as USDA, VA, FHA, and conventional programs. It delivers options for clients looking for downpayment assistance, planning to buy their first homes, or seeking to refinance. Its team assists clients in each step of the mortgage experience, from application submission and paperwork collection to closing arrangements.

License Verified:

License: 2041154

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 (28)
Facebook
5.0 / 5 (23)

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Ascend Mortgage logo
Visit WebsiteWebsite

License Verified:

License: 1899436

Nationwide Multistate Licensing System and Registry

Ascend Mortgage

Visit WebsiteWebsite
415 S Main St B, Rochester, MI 48307
  • Refinance
  • New Construction

Business Description

Ascend Mortgage provides custom loan plans and consultation services for clients in Rochester Hills. Its staff offers mortgage programs such as USDA, interest-only, and conventional loans through collaboration with various lenders across the country. It assists clients in making decisions by providing them with educational information on topics such as local rates and property values. Throughout its years of service, it has handled more than 1,000 home purchases and catered to numerous borrowers in at least 50 states.

License Verified:

License: 1899436

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 (43)
Yelp
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
GEM Home Loans logo

License Verified:

License: 1937036

Nationwide Multistate Licensing System and Registry

GEM Home Loans

71 Walnut Blvd, Suite 204, Rochester, MI 48307
  • Refinance

Business Description

GEM Home Loans handles the mortgage needs of clients in the Rochester Hills community and the surrounding areas. The company provides a wide range of mortgage loan options, such as conventional, FHA, VA, and USDA. It also offers construction and renovation loan options to help clients build or upgrade their residential properties. Its team is available to assist clients in choosing adjustable and 15- or 30-year fixed-rate loans suitable for their financial needs and goals.

License Verified:

License: 1937036

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 (84)

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
Lucrative Home Loans, Inc. logo
Visit WebsiteWebsite

License Verified:

License: 1835820

Nationwide Multistate Licensing System and Registry

Lucrative Home Loans, Inc.

Visit WebsiteWebsite
2490 Walton Blvd., Rochester Hills, MI 48309
  • Commercial Loans
  • Refinance

Business Description

Lucrative Home Loans, Inc. assists those buying, selling, refinancing, or building their dream home in Rochester Hills and the surrounding communities. Its team of mortgage brokers offers various kinds of loan programs such as conventional, FHA, VA, USDA, and jumbo. They also provide a commercial loan option to those who wish to secure an office building, manufacturing warehouse, shopping plaza, or apartment complex. Firm owner Nicole Messina has a broker license in both Michigan and Florida.

License Verified:

License: 1835820

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 (47)
Google
5.0 / 5 (30)
Yelp
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
McLellan Financial  Mortgage logo
Visit WebsiteWebsite

License Verified:

License: 68251

Nationwide Multistate Licensing System and Registry

McLellan Financial Mortgage

Visit WebsiteWebsite
71 N. Livernois Road Suite B, Rochester Hills, MI 48307
  • New Construction
  • Refinance

Business Description

McLellan Financial Mortgage serves clients in Rochester Hills. The company offers refinancing programs that enable clients to consolidate their debt, keep their monthly payments low, reduce their interest rates, and borrow funds from home equity for home improvements. It also offers standard, fixed-rate, and adjustable-rate mortgages depending on the client's needs. Other special loan options are available, such as equity boost loans, second home loans, asset dissipation loans, and foreign national loans. McLellan Financial Mortgage was founded in 2000 and is part of MMLA.

License Verified:

License: 68251

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
4.7 / 5 (27)
Facebook
5.0 / 5 (26)
Zillow
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Modern Mortgage logo
Visit WebsiteWebsite

License Verified:

License: 2006245

Nationwide Multistate Licensing System and Registry

Modern Mortgage

Visit WebsiteWebsite
930 Seyburn Avenue, Waterford, MI 48327
  • Refinance
  • New Construction

Business Description

Modern Mortgage is a locally owned and operated brokerage that serves individuals and families throughout Rochester Hills. It offers a wide range of mortgage rate options, from fixed-rate and adjustable-rate to interest-only and graduated payments. The types of loan programs it assists with include FHA, VA, USDA, and jumbo loans. In addition, the company assists with refinancing existing mortgages, as well as commercial loans. Modern Mortgage has been in business for more than a decade.

License Verified:

License: 2006245

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 (39)

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
MortgagePros logo
Visit WebsiteWebsite

License Verified:

License: 1925352

Nationwide Multistate Licensing System and Registry

MortgagePros

Visit WebsiteWebsite
Troy, MI 48007
  • Refinance
  • New Construction

Business Description

MortgagePros assists Rochester Hills residents with loan-related questions and refinancing issues. It offers a variety of financial programs, ranging from FHA to conventional mortgages to first-time and experienced homebuyers, prospective refinancers, and real estate investors. Its one-on-one approach to decision-making is supported by comprehensive reports on local market factors such as property value and interest rate changes. Its loan officers also assess a client's eligibility for specific programs based on factors such as outstanding debts and income capacity.

License Verified:

License: 1925352

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
Google
4.4 / 5 (95)
Zillow
4.8 / 5 (61)
Yelp
1.0 / 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
Range Lending logo
Visit WebsiteWebsite

License Verified:

License: 1744909

Nationwide Multistate Licensing System and Registry

Range Lending

Visit WebsiteWebsite
67 S. Squirrel Rd, Auburn Hill, MI 48326
  • Refinance
  • New Construction

Business Description

Range Lending caters to clients in Rochester Hills who need help with purchasing or refinancing a home. The full-service mortgage brokerage offers jumbo and FHA loans, as well as conventional mortgages. It also guides self-employed borrowers in navigating the rules concerning portfolio loan options. Range Lending has financed over $100 million of properties in total. It is also part of Home for Heroes, an initiative that extends financial aid to veterans, firefighters, and healthcare professionals.

License Verified:

License: 1744909

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.
4.7
Facebook
4.7 / 5 (15)

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
Reliance Financial Group, Inc logo
Visit WebsiteWebsite

License Verified:

License: 137288

Nationwide Multistate Licensing System and Registry

Reliance Financial Group, Inc

Visit WebsiteWebsite
3501 Rochester Rd, Troy, MI 48083
  • Refinance

Business Description

Reliance Financial Group, Inc, caters to clients in Rochester Hills and the surrounding areas. It helps individuals apply for mortgage loans, such as FHA, USDA, VA, and jumbo, to purchase single- and multifamily units, townhouses, manufactured homes, and condominiums. It also assists homeowners in refinancing their loans for lowering their interest rates and monthly payments. These refinancing solutions are also available for taking out cash, consolidating debts, and changing loan terms. The company also extends its services to Texas.

License Verified:

License: 137288

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 (18)
Zillow
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
Riverbank Finance logo

License Verified:

License: 666287

Nationwide Multistate Licensing System and Registry

Riverbank Finance

3205 Eaglecrest Dr NE #206, Rochester Hills, MI 49525
  • Refinance

Business Description

Riverbank Finance is a locally owned business that caters to individuals and families in Rochester Hills. It assists investors and buyers in achieving their dream homeownership through its selection of mortgage solutions. The independent company processes various mortgage programs, including home-style renovation, vacation and mobile home, and reverse loans. It also offers jumbo, conventional, USDA, FHA, and VA loan options. Riverbank Finance is a member of the Association of Independent Mortgage Experts and the Grand Rapids Association of Realtors.

License Verified:

License: 666287

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 (665)
Facebook
5.0 / 5 (204)

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
Somerset Lending Corp logo

License Verified:

License: 133899

Nationwide Multistate Licensing System and Registry

Somerset Lending Corp

640 West University Drive, Rochester, MI 48307
  • New Construction

Business Description

Somerset Lending Corp provides solutions to the mortgage needs of customers in the Rochester Hills metro. It helps clients get pre-approved and search for available residential properties. The company offers conventional, VA, FHA, USDA, HARP, and jumbo home loans based on customers' monthly payment goals, down payment, and equity. It also offers FHA 203k rehab and conventional rehab loans. Somerset Lending Corp is part of the Saarela team of companies, which includes the Andrews Realty Group.

License Verified:

License: 133899

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
Facebook
5.0 / 5 (18)
Zillow
4.9 / 5 (16)
Google
4.5 / 5 (10)
The Lenders Mortgage logo

License Verified:

License: 1665272

Nationwide Multistate Licensing System and Registry

The Lenders Mortgage

112 Walnut Blvd, Rochester Hills, MI 48307
  • Refinance

Business Description

The Lenders, LLC, is a mortgage company in Rochester Hills that serves home buyers and owners across the metro. It provides customers with various mortgage programs, which include home purchase and refinance loans, such as conventional, cash-out refinance, FHA, and VA loans. Its team of mortgage specialists also handles private money, self-employed, rehab for investment properties, and bruised credit restart home loans. One of its mortgage brokers, Mona A. Bolos, has been working with the business since 1999.

License Verified:

License: 1665272

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 (22)

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
York Financial Inc. logo
Visit WebsiteWebsite

License Verified:

License: 137633

Nationwide Multistate Licensing System and Registry

York Financial Inc.

Visit WebsiteWebsite
180 High Oak Road Suite 200, Bloomfield Hills, MI 48304
  • Refinance

Business Description

York Financial Inc. is a Bloomfield Hills-based business that deals with clients across Rochester Hills. It works with aspiring homeowners and offers loan programs guaranteed or insured by federal agencies like the USDA and VA. The company also provides the FHA 203K renovation loan, a program that helps borrowers fund various home improvement projects, including floor installation and roof repair. It guides other clients through the process of refinancing from an adjustable-rate program to a fixed-rate mortgage.

License Verified:

License: 137633

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 (38)

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.