Expertise.com
2024

Last updated:

Best Mortgage Brokers in Troy

Our Recommended Top 16

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

35

Reviewed

27

Curated

16

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
3250 West Big Beaver Road, Suite 342, Troy, MI 48084
  • Refinance
  • Reverse Mortgages
  • New Construction

Why choose this provider?

MortgageUSA helps the residents of Troy achieve their homeownership and real estate goals by linking them to lenders. The brokerage offers various mortgage options, such as fixed-rate, adjustable-rate, jumbo, VA, and FHA loans. Its loan originators, who have more than 25 years of combined industry experience, also assist clients in reducing their interest rates and replacing their current mortgages through refinancing. MortgageUSA strives to empower borrowers by guiding them throughout the mortgage process and helping them make informed decisions.

License Verified:

License: 2225878

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 (61)
Facebook
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

Price: Call for pricing

Troy, MI

Why choose this provider?

Need help contacting a Mortgage Broker in Troy? 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
2207 Crooks Rd., Troy, MI 48084
  • Refinance

Why choose this provider?

House of Lending is a full-service brokerage firm that assists prospective homebuyers in Troy and guides them in acquiring new homes. It helps individuals and families who want to purchase single-family, multi-family, condominium, and townhouse residences. Its agents offer conventional, VA, FHA, and Jumbo loans. They also assist property owners with existing mortgages who wish to shorten their loan terms, reduce their monthly repayments, or cash out on the property's equity. The company is NMLS certified with 19 NMLS-certified agents.

License Verified:

License: 2279971

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 (59)
Facebook
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

Website
4107 John R Rd., Suite 100, Troy, MI 48085
  • New Construction
  • Refinance

Why choose this provider?

National Mortgage Home Loans caters to individuals in Troy who want to purchase or refinance a property. Its brokers provide borrowers with various loan options, including adjustable- and fixed-rate mortgages and 203K, USDA, FHA, and VA loans. They guide clients throughout the process, which starts with obtaining a pre-approval letter and choosing the program that suits their objectives. Its brokers also direct customers to the company's website, which features numerous decision-making tools, such as home value estimate and refinance analysis.

License Verified:

License: 1433997

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 (324)
Facebook
4.9 / 5 (91)
Zillow
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
755 W Big Beaver Rd Suite 230, Troy, MI 48084
  • Refinance

Why choose this provider?

Imperium Lending has been helping people in Troy since 2021, educating them on their various mortgage options. These include fixed-rate loans and adjustable-rate programs. Its website contains a mortgage calculator, a tool that enables users to understand the breakdown of their monthly payments. The company also works with the owners of townhomes, condos, and single-family residents seeking to refinance their loans. Joey Guarino, its senior founding loan officer, used to be the vice president of F5 Mortgage.

License Verified:

License: 2237880

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
4.5 / 5 (137)
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
31700 W 13 Mile Rd, Farmington Hills, MI 48334
  • Refinance

Why choose this provider?

Turbo Mortgage Funding delivers a variety of homeownership solutions for individuals and families in the Troy metro. The company personalizes financial services by providing interactive mortgage calculators and offering online application options. Its team of professionals creates loan programs tailored to the needs of homebuyers buying their first or dream homes and borrowers planning to refinance. The team assists clients in every step of the loan process, from assessment and pre-qualification to application, processing, and closing.

License Verified:

License: 1911058

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
Google
4.8 / 5 (105)

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
3150 Livernois Rd # 312, Troy, MI 48083
  • Refinance
  • New Construction

Why choose this provider?

Demetris Holloway works as a senior mortgage officer and partner at Shoreline Mortgage Inc. in Troy. Whether his clients want to buy a new home or refinance their current mortgage, he takes a personable, timely, and professional approach to meeting their needs. His mortgage products include fixed-rate, adjustable-rate, Jumbo, and FHA loans. Holloway has been in the mortgage industry for over seven years. As a family man who understands the complexities of home buying, he strives to make the process as easy and enjoyable for his clients as possible.

License Verified:

License: 1220284

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 (106)
Facebook
5.0 / 5 (26)

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
1650 Research Drive, Suite 200, Troy, MI 48083
  • Multi-Family Loans

Why choose this provider?

Hall Financial provides home financing solutions for residents in Troy. It helps borrowers purchase homes or refinance their existing mortgages through fixed-rate, adjustable-rate, and FHA loans. The brokerage's owner, David Hall, has more than 25 years of mortgage industry experience. He and his team work with Realtors to facilitate real estate transactions tailored to clients' individual needs and financial resources. Hall Financial has been in business since 2016. It also caters to the home financing needs of clients in Florida and Tennessee.

License Verified:

License: 1467435

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 (2179)
Zillow
5.0 / 5 (648)
Facebook
4.9 / 5 (238)

(+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

Website
3250 W Big Beaver Rd #303, Troy, MI 48084
  • Refinance
  • New Construction

Why choose this provider?

Capital Property Lending caters to residential property buyers and owners in Troy. It guides individuals in purchasing investment properties, secondary homes, and primary residences, including single-family, townhouses, condos, and multi-family units, using a variety of mortgage loan programs. In addition to home-purchasing mortgages, the company refinances loans for clients needing to change their terms, lower their monthly payments, or obtain cash funds. Capital Property Lending is available to serve clients in California, Florida, and Colorado.

License Verified:

License: 2187346

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 (79)

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
33834 Woodward Ave., Birmingham, MI 48009
  • Refinance
  • New Construction

Why choose this provider?

Rockwood Mortgage caters to clients in Troy. The company educates first-time and experienced homebuyers on the differences between home loans to help them choose the right program for their mortgage needs. Some of its home loan options include fixed-rate, ARM, Jumbo or Super Jumbo, conforming, FHA, and VA mortgages. Its mortgage brokers also offer refinance programs to individuals looking to pay off their current mortgage with a new loan. Rocky Billore, a mortgage specialist, founded the company in 2018.

License Verified:

License: 1792262

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 (107)
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
888 W Big Beaver Rd Ste 1290, Troy, MI 48084
  • Refinance

Why choose this provider?

EMortgage Funding attends to the needs of homebuyers and homeowners in and around the Troy area. To cater to clients' individual requirements, it offers a variety of loan products such as VA, FHA, USDA, jumbo, and fixed-rate mortgages. The company also provides funding assistance for first-time homebuyers, homeowners looking to fund property renovations, and investors planning to purchase vacation properties. In addition, EMortgage Funding provides refinancing options, catering to individuals who wish to lower interest rates or monthly payments.

License Verified:

License: 1059364

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.
4.4
Google
4.3 / 5 (281)
Zillow
4.8 / 5 (162)
Yelp
2.0 / 5 (10)

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
525 E Big Beaver Rd #303, Troy, MI 48083
  • Refinance

Why choose this provider?

Connect Mortgage Funding addresses the financial needs of clients in Troy and its surrounding areas. It provides mortgage solutions based on each customer's budget and goals. The company offers purchase loans for condos, townhouses, manufactured homes, and single-family residences. Its team provides escrow analysis and value estimate services. It also offers pre-connection letters, helping borrowers complete the necessary paperwork. Connect Mortgage Funding offers refinancing services to those who plan to cash out or consolidate their debt.

License Verified:

License: 1209544

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 (115)
Facebook
5.0 / 5 (101)

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
3250 W Big Beaver Rd Suite 100, Troy, MI 48084
  • Refinance

Why choose this provider?

Lend-A-Loan is an independent mortgage brokerage firm serving clients in Troy. The company helps first-time and seasoned homebuyers find the best mortgage deal in the market. Its mortgage brokers specialize in conventional, Jumbo, Reverse, VA, and FHA mortgages. For those looking to reduce monthly payments or shorten loan terms, the team also offers refinancing options such as cash-out, rate-and-term, and FHA streamline mortgages. The company was founded in 2021 with the intention of making the home-buying process simple and stress-free through open communication and careful guidance.

License Verified:

License: 2101891

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 (158)

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
7103, 70 W Long Lake Rd # 116, Troy, MI 48098
  • Refinance
  • New Construction

Why choose this provider?

John Adams Mortgage Co. has been serving Troy residents since 1973. The company offers home purchase loans that are tailored to homebuyers' financial circumstances. Some of these programs include conventional, Jumbo, FHA, VA, MSHDA, and USDA RD. The team also offers special financing programs such as renovation, doctor, and non-warrantable condo mortgages that do not fall within the traditional mortgage parameters. The company was named a Top Workplace in Metro Detroit in 2011. It has also raised over $6.4 million dollars for various local charities since the 1990s.

License Verified:

License: 140012

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 (187)

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
2075 W. Big Beaver Road Suite 700, Troy, MI 48084
  • Refinance
  • New Construction

Why choose this provider?

Ross Mortgage Corporation provides home financing assistance from its headquarters in Troy. One of the products it offers is the FHA Back-to-Work program, which caters to individuals who recently filed for a short sale, foreclosure, or bankruptcy. Specialty mortgages such as USDA Rural Development and FHA 203(k) are also available. The former caters to clients planning to purchase homes in rural areas, while the latter is for individuals purchasing residences that need improvement or repair. Ross Mortgage Corporation started operating in 1949.

License Verified:

License: 107716

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
5.0 / 5 (379)
Facebook
4.8 / 5 (217)
Google
3.4 / 5 (5)

(+1 additional source)

Website
329 W 14 Mile Rd, Clawson, MI 48017
  • Refinance

Why choose this provider?

Arcadia Lending is a mortgage company that helps customers in the Troy area find the right loan that matches their needs. It offers various loan options such as FHA, conventional fixed rate, USDA, VA, and 203K. The business has a team of loan officers who work on securing mortgage and loan options for borrowers with bruised credit histories. Arcadia Lending aims to create a straightforward loan process by offering financial tools and appointing one contact person per client.

License Verified:

License: 1454769

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 (64)
Facebook
5.0 / 5 (6)

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.