Expertise.com

2024

Last updated:

Best Mortgage Brokers in St. Louis, MO

Our Recommended Top 17

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

102Reviewed

68Curated

17Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

4814 Washington Blvd #342, Saint Louis, MO 63108
WebsiteLicense: 2059685

Expertise.com Rating

Review Sources

Google
5.0 (8)
Facebook
5.0 (1)

Why choose this provider?

Nichols & Co. Mortgage Advisors offers solutions to customers in the St. Louis metro. It helps clients find loans to purchase or renovate their homes. The company provides fixed-rate and adjustable-rate mortgages. It also assists clients in applying for FHA, VA, and USDA loan programs. The company helps customers looking to refinance their mortgages by providing monthly updates on the value of their homes. Its founder, Trina Hart Nichols, is a Certified Mortgage Advisor who has been in the industry since 2003.

  • Refinance

1066 Executive Parkway Drive, St. Louis, MO 63141
WebsiteLicense: 30998

Expertise.com Rating

Review Sources

Google
4.8 (604)
Zillow
5.0 (502)
Facebook
4.7 (80)

Why choose this provider?

Delmar Mortgage is a mortgage company in St. Louis. The company is licensed to do business in 27 states. Its professionals have been helping clients who are new in buying houses and experienced buyers purchase their ideal homes. Their product expands from conventional, jumbo, VA, FHA, and other loans. The company's co-founders, Carl and Saul Mirowitz, established the business in 1966. Today, the team is led by Saul's grandsons who aim to continue the legacy. The company has earned multiple awards from St. Louis Post-Dispatch.

  • Refinance

2 City Place Drive Suite 200, St. Louis, MO 63141
WebsiteLicense: 245046

Expertise.com Rating

Review Sources

Google
5.0 (40)
Zillow
5.0 (20)

Why choose this provider?

Mortgage banker Kamran Jomeh provides loans solutions to St. Louis clients looking to purchase or refinance their homes. Jomeh, who works with LeaderOne Financial Corporation, prepares prequalification letters, finds loan programs and real estate agents, draws up paperwork, and arranges for funding. He can furnish clients with conventional, FHA, VA, USDA, and jumbo mortgage programs. He and his team can provide counsel to clients regarding the best time to refinance, given their familiarity with the market. They monitor economic trends and projections daily to keep clients informed of changing interest rates. Jomeh joined LeaderOne in 2015.

  • Refinance
  • New Construction

7777 Bonhomme Avenue, Clayton, MO 63105
WebsiteLicense: 1203639

Expertise.com Rating

Review Sources

Google
5.0 (185)
Facebook
5.0 (85)
Yelp
5.0 (44)

Why choose this provider?

Carlson Mortgage brings over 10 years of mortgage experience to the St. Louis community. The broker provides conventional loans, FHA and VA lonas, jumbo loans, HARP refinances, and USDA mortgages and also offers referrals to hundreds of trusted real estate agents as well. Individuals can apply for a loan right online, and Carlson Mortgage is licensed with the NMLS, prides itself on a policy of no hidden fees, and is always present at all mortgage closings. References are available upon request, and the group is a top-rated lender on Zillow.com as well.

  • New Construction
  • Refinance

2200 W Port Plaza Dr #312, St. Louis, MO 63146
WebsiteLicense: 192116

Expertise.com Rating

Review Sources

Google
4.8 (35)
Facebook
5.0 (6)

Why choose this provider?

US Wide Financial serves the locals in and around the St. Louis area. The company makes the mortgage lending process transparent to their clients and empowers them with the knowledge needed to make informed decisions with regard to their loans. Its team works with clients throughout the process and utilizes technological tools that afford them lower rates and fewer fees. US Wide Financial has been catering to both large corporations and small, hometown businesses since 2009.

  • Refinance

3636 S. Geyer Rd. #100, St. Louis, MO 63127
WebsiteLicense: 1275831

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

IMS Mortgage Services, LLC, serves aspiring residents in St. Louis. It assists clients by providing initial financial evaluation, consultancy, and the appropriate loan program that would fit their financial goals. The agency offers conventional financing such as FHA, VA, USDA loans, as well as loan options that can prevent customers from having to file private mortgage insurances. Its mortgage banking specialists also conduct mortgage refinancing. The company's CEO, Chris Sander, has been in the lending industry for 25 years.

6036 Weldon Spring Parkway, Weldon Springs, MO 63304
WebsiteLicense: 238477

Expertise.com Rating

Why choose this provider?

Jesse Jasper Sanford is a Weldon Springs-based mortgage loan originator with state licenses in Missouri, Kansas, and Illinois. He helps clients looking to finance their residential properties in St. Louis. His company, EPM Mortgage, provides access to various loaning options, including conventional, FHA, VA, and jumbo loans. He also offers bank statement programs for independently employed buyers with seasonal income. Former clients have given credit to his guidance and communication in finding the right loan for their needs.

  • Refinance

1600 South Brentwood Boulevard, Suite 700., St. Louis, MO 63144
WebsiteLicense: 1326241

Expertise.com Rating

Review Sources

Facebook
4.7 (364)
Google
4.4 (161)
Yelp
3.5 (10)

Why choose this provider?

Ryan Kelley is the founder of The Home Loan Expert which has been serving St. Louis since 2009. He supports people wishing to buy or refinance a home with the loan process, offering a variety of options such as debt consolidation, no-income verification, teacher appreciation, zero-dollar down, and bank statement mortgage. His team also educates home sellers about the negotiation processes involving loan programs to help them develop in the real estate industry. In addition, Kelley manages to shorten loan terms to build equity.

  • Refinance

9520 Lackland Road, St. Louis, MO 63114
WebsiteLicense: 226715

Expertise.com Rating

Review Sources

Google
4.7 (109)
Facebook
5.0 (7)
Yelp
3.5 (2)

Why choose this provider?

Stuart's American Mortgage Corporation brings 25 years of mortgage experience to St. Louis. Clients appreciate professional and personalized services from a licensed, local broker, who offers straightforward options and prompt service and who takes the time to answer questions and explain the loan process carefully to each customer. Loan products include conventional loans, FHA and VA loans, USDA loans, ARMs, home equity loans, and the Home Affordable Refinance Program, and full details, as well as additional resources, can be found on the broker's site. The founder also has a weekly radio show on the Big 550 KTRS.

  • Refinance

11862 Lackland Rd, Saint Louis, MO 63146
WebsiteLicense: 1209607

Expertise.com Rating

Review Sources

Facebook
5.0 (25)
Google
5.0 (18)
Zillow
5.0 (8)

Why choose this provider?

Mason Mortgage Advisors serves homebuyers and homeowners in St. Louis. The broker offers a broad range of loan programs for different scenarios, including jumbo, conventional, FHA, VA, and refinancing loans. Its mortgage advisors help clients secure refinancing loans to cash out on their home's equity, shorten their home loan term, or lower their interest rates. It works with more than 100 investors which translates to a wider variety of loan options for its clients. Fixed-rate, adjustable-rate, and balloon mortgages are available.

  • Refinance

9849 Manchester Road, St. Louis, MO 63119
WebsiteLicense: 1229047

Expertise.com Rating

Why choose this provider?

Mortgage Solutions of St. Louis is a locally owned and operated mortgage broker serving homeowners in St. Louis and the surrounding areas. The company's co-owners, twins Paul and Steve LaVigne, have been in the mortgage industry since 1999. Its team of loan officers aims to provide clients with loans that fit their needs, offering products like conforming and non-conforming fixed or adjustable loans, FHA and VA loans, as well as USDA loans. US Bank and Wells Fargo are some of the institutions the company works with.

  • Refinance

643 Cepi Drive, Chesterfield, MO 63005
WebsiteLicense: 1211416

Expertise.com Rating

Review Sources

Google
5.0 (137)
Facebook
5.0 (5)

Why choose this provider?

Groundwork Mortgage caters to clients in the St. Louis metro and the surrounding communities. It assists individuals and families who wish to purchase homes with the help of mortgage loan programs. Its team follows a 120-day residential construction, with a mortgage application process involving initial consultation with mortgage loan officers, banking investor checkpoint, and building blueprints. Groundwork Mortgage brings over 20 years of mortgage and residential construction experience. It is also a member of the Home Builders Association of Greater Kansas City.

8050 Watson Road, St. Louis, MO 63119
WebsiteLicense: 1821016

Expertise.com Rating

Review Sources

Facebook
5.0 (7)

Why choose this provider?

Archer Mortgage LLC provides residential lending in St. Louis. The company offers various loan types such as a conventional fixed-rate mortgage, adjustable-rate mortgage, refinance mortgage loans, FHA mortgage loans, and VA mortgage loans. Some of the benefits of these packages include a constant interest rate, the rates are recalculated on a yearly basis, helps decrease the interest rate through refinancing, and has a low down payment. Archer Mortgage LLC even has calculator tools to check on amortization, debt consolidation, and loan amount.

  • Refinance

3895 Mid Rivers Mall Drive, Cottleville, MO 63376
WebsiteLicense: 2087903

Expertise.com Rating

Why choose this provider?

Based in Cottleville, Home Loans with Integrity is operated and owned by Ryan Bazzell. It offers mortgage lending and home loans to clients in the St. Louis area. The business provides both conventional and jumbo home loans. It also offers other mortgage types, such as VA, FHA, and USDA loans. Additionally, the company guides its clients throughout the mortgage process and stands behind each transaction. Bazzell has worked in the mortgage industry for over 21 years before establishing the business.

  • New Construction
  • Refinance

10000 Watson Rd., Suite 2-L-13, St. Louis, MO 63126
WebsiteLicense: 232218

Expertise.com Rating

Review Sources

Google
4.8 (29)

Why choose this provider?

Alternative Mortgage Solutions caters to clients in St. Louis and the surrounding areas. The independent agency offers a variety of mortgage loan programs for both first-time and experienced home buyers. Its mortgage specialists handle applications for government loans such as FHA and VA mortgages. The firm also provides refinancing options to borrowers who want to reduce their monthly payments and long-term interest rates. The company is a certified Equal Housing Lender.

  • Refinance

1118 Hampton Avenue, St. Louis, MO 63139
WebsiteLicense: 239823

Expertise.com Rating

Review Sources

Facebook
5.0 (28)
Yelp
5.0 (12)

Why choose this provider?

Sean Zalmanoff: USA Mortgage is a mortgage broker serving the St. Louis community. The licensed group boasts being the largest independent mortgage bank in St. Louis as well as in the State of Missouri, and customers can benefit from “The TDB Mortgage Approval Program” to give them the confidence they need to shop for a property they can afford. USA Mortgage also offers first-time home buyer loans, home renovation mortgages, FHA and VA loans, USDA loans, and refinances and is a member of the Missouri Association of Mortgage Professionals and the Mortgage Bankers Association of St. Louis. Sean Zalmanoff USA Mortgage is a division of DAS Acquisition Company, LLC as well.

  • Refinance

2 City Place Drive Suite 200, St. Louis, MO 63141
WebsiteLicense: 16045

Expertise.com Rating

Review Sources

Google
5.0 (10)
Facebook
5.0 (2)

Why choose this provider?

The Mortgage Professional offers brokerage services to clients in St. Louis. The company delivers products like USDA, FHA, reverse, and jumbo mortgages. The firm works on every step in the process, from obtaining a pre-qualification letter to choosing the appropriate program, culminating in closing and recording the contract. The office is run by mortgage banker Brent Kiffer. He learned about the construction business from his father and is directly involved in his clients' transactions, making house calls when asked.

  • Refinance

Compare our Top Mortgage Brokers

NameExpertise RatingAddressPromotionsLearn more
Nichols & Co. Mortgage Advisors
4814 Washington Blvd #342, Saint Louis, MO 63108
Delmar Mortgage - St. Louis, MO Corporate HQ
1066 Executive Parkway Drive, St. Louis, MO 63141
Kamran Jomeh
2 City Place Drive Suite 200, St. Louis, MO 63141
Carlson Mortgage
7777 Bonhomme Avenue, Clayton, MO 63105
US Wide Financial
2200 W Port Plaza Dr #312, St. Louis, MO 63146
IMS Mortgage Services
3636 S. Geyer Rd. #100, St. Louis, MO 63127
Jesse Jasper Sanford
6036 Weldon Spring Parkway, Weldon Springs, MO 63304
Ryan Kelley
1600 South Brentwood Boulevard, Suite 700., St. Louis, MO 63144
American Mortgage Corporation
9520 Lackland Road, St. Louis, MO 63114
Mason Mortgage Advisors
11862 Lackland Rd, Saint Louis, MO 63146
Mortgage Solutions of St. Louis
9849 Manchester Road, St. Louis, MO 63119
Groundwork Mortgage
643 Cepi Drive, Chesterfield, MO 63005
Archer Mortgage LLC
8050 Watson Road, St. Louis, MO 63119
Home Loans with Integrity
3895 Mid Rivers Mall Drive, Cottleville, MO 63376
Alternative Mortgage Solutions
10000 Watson Rd., Suite 2-L-13, St. Louis, MO 63126
Sean Zalmanoff
1118 Hampton Avenue, St. Louis, MO 63139
The Mortgage Professional
2 City Place Drive Suite 200, St. Louis, MO 63141

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.