Best Mortgage Brokers in Billings

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Ark Home Loans logo
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License Verified:

License: 1941704

Nationwide Multistate Licensing System and Registry

Ark Home Loans

112 3rd Avenue, Laurel, MT 59044
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  • New Construction

Business Description

Ark Home Loans attends to the financing needs of homebuyers and individuals in Billings who are planning to purchase or renovate houses. It offers a variety of traditional and niche loan programs, including down payment assistance, cash out, construction to permanent, and home renovation. Those with poor credit history are also accommodated. The company is a local, veteran-owned, and veteran-operated business whose mission is to guide people toward homeownership regardless of gender, age, status, religion, and nationality.

License Verified:

License: 1941704

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
Division Mortgage Group, Inc. logo
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License Verified:

License: 140614

Nationwide Multistate Licensing System and Registry

Division Mortgage Group, Inc.

1320 Division Street, Billings, MT 59101
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  • Refinance

Business Description

Division Mortgage Group, Inc., handles the refinancing needs of homeowners in and around the Billings metro. Its National Association of Mortgage Brokers-certified loan originators counsel clients on refinance options. They match clients with programs that fit their unique needs, whether they want to cut monthly payments, get cash for home upgrades, save on interest, or modify repayment terms. Goldline Research also named the company a Top Ten Mortgage Broker in the United States and a Top Ten Mortgage Broker in the West.

License Verified:

License: 140614

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
4.7 / 5 (14)
Facebook
5.0 / 5 (8)
Yelp
1.0 / 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
Guardian Mortgage logo
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License Verified:

License: 296207

Nationwide Multistate Licensing System and Registry

Guardian Mortgage

705 5th St W, Billings, MT 59101
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  • Refinance

Business Description

Guardian Mortgage is a mortgage brokerage firm that provides home loan solutions to residents of the Billings metro and nearby locations. It offers a wide variety of mortgages, including reverse mortgages, rural development and investment property mortgages, FHA and VA mortgages, new construction mortgages, and conventional mortgages. The company also assists borrowers in adjusting their existing loans through mortgage refinancing and debt consolidation. Guardian Mortgage's team of mortgage professionals has over six decades of experience in handling mortgage loans.

License Verified:

License: 296207

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 (58)
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
Kamber Kelly logo
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License Verified:

License: 526357

Nationwide Multistate Licensing System and Registry

Kamber Kelly

485 South 24th Street W Unit B, Billings, MT 59102
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  • Refinance

Business Description

Kamber Kelly is an NMLS-licensed loan advisor and mortgage lender who serves the community of Billings and its surrounding areas. She starts the process of loaning and assists her clients until their application is approved and closed. The agent offers various loan programs such as conventional, VA interest reduction, FHA streamline, FHA 203(K), and USDA rural streamline refinancing loans. Kelly works under CrossCountry Mortgage, a nationwide full-service lender that comprises more than 8,000 professionals across 600 locations.

License Verified:

License: 526357

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

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
––
Wallinder Mortgage Brokers logo
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License Verified:

License: 260559

Nationwide Multistate Licensing System and Registry

Wallinder Mortgage Brokers

746 Grand, Billings, MT 59101
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  • Refinance

Business Description

Wallinder Mortgage Brokers has been providing financing solutions to homebuyers in Billings for over 20 years. It carries a variety of lending options, including government-insured, rural development, conventional loans, and Montana first-time homebuyer assistance. The veteran-owned company also provides refinancing programs for credit-challenged borrowers. It advises clients to undergo prequalification even if they are not yet planning to buy a house. Its pre-approval process catches credit and downpayment issues early on. Company owner Kim Wallinder Moffet is a former Realtor and a home renovation specialist.

License Verified:

License: 260559

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 (10)
Google
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
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Frequently Asked Questions

Do mortgage brokers need to be licensed?

Yes, all mortgage brokers need to be licensed. Individuals need to complete a 20-hour class that goes over state and federal laws for mortgages and other important information. Next, individuals take the official test with the National Mortgage Licensure System.

Is it difficult to pass the mortgage brokers’ test?

Upon completion of educational requirements, you must pass the mortgage broker test to receive your license. It's a two-part test called the Safe Mortgage Loan Originator Exam, and it can be a bit challenging. Out of almost 87,600 national test-takers, 57% passed on their first attempt. The test includes both a state and national portion and requires a minimum score of 75% to pass.

What is a surety bond for mortgage brokers?

A surety bond is a legal contract that binds three parties — the obligee, the principal, and the surety. Surety bonds are typically required to receive a license for operating as a mortgage broker. When a mortgage broker gets a surety bond, it's a legal guarantee they'll perform their obligations to their customers as required by law.

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