Expertise.com

2024

Last updated:

Best Mortgage Brokers in Missoula

Our Recommended Top 6

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

23Reviewed

16Curated

6Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

2825 Stockyard Rd. J5, Missoula, MT 59808
WebsiteLicense: 1625135

Expertise.com Rating

Review Sources

Google
5.0 (179)
Facebook
5.0 (48)
Yelp
4.0 (4)

Why choose this provider?

Montana Family Mortgage serves people in Missoula planning to purchase a home or refinance their loans. Its brokers work closely with borrowers to provide options based on their unique situations and assist in choosing the offer that suits their needs. It offers various programs, including USDA, VA, FHA, and jumbo loans. Its owner, Dave Krueger, established the firm in 2017. His firm extends its offerings to fixed-rate and adjustable-rate mortgages and supports organizations like Heroes 4 Kids.

  • Refinance

1721 South Ave W., Missoula, MT 59801
WebsiteLicense: 255471

Expertise.com Rating

Review Sources

Google
4.7 (3)

Why choose this provider?

Missoula Mortgage caters to clients throughout the area. The company guides homebuyers through the loan application process and provides programs from government agencies like the FHA. It offers fixed-rate and adjustable-rate mortgages, as well as programs that combine the characteristics of fixed-rate and adjustable-rate loans. For clients that owe more than their home's value, the company helps them apply for the HARP 2.0 program. Missoula Mortgage has been in the industry for over 20 years. Its team has over three decades of combined industry experience.

  • Refinance

2825 Stockyard Rd STE A-10, Missoula, MT 59808
WebsiteLicense: 2073662

Expertise.com Rating

Review Sources

Facebook
5.0 (2)

Why choose this provider?

Soula Mortgage LLC helps customers in Missoula choose the right loan for their homeownership goals. It offers a variety of financial programs like jumbo, USDA, FHA, VA, and conventional loans available in fixed and adjustable mortgage options. Its staff also provides refinancing solutions for clients looking to restructure their existing mortgage plans to meet their current financial situation. Soula Mortgage LLC strives to create a smooth loan experience for its clients by guiding and giving them advice throughout the process.

  • Refinance

2112 Dixon Avenue, Missoula, MT 59801
WebsiteLicense: 6681

Expertise.com Rating

Review Sources

Google
5.0 (4)
Yelp
5.0 (1)

Why choose this provider?

Primary Residential Mortgage, Inc., is a locally owned and operated independent brokerage firm serving individuals and families in Missoula and the surrounding areas. It provides different types of conforming loan products, including Fannie Mae and Freddie Mac products. Its team also assists with government programs such as FHA, VA, and USDA loans. In addition, it offers specialized loan programs such as jumbo loans. Primary Residential Mortgage has been in business for more than two decades.

  • Refinance

213 Main St, Stevensville, MT 59870
WebsiteLicense: 2550

Expertise.com Rating

Review Sources

Google
5.0 (3)

Why choose this provider?

Mann Mortgage Stevensville has been working with clients in the Missoula metro since 1989. The company advises homebuyers through the mortgage application process and helps them qualify for VA, FHA, and USDA programs. It also offers jumbo mortgages, a solution for borrowers looking to acquire high-value properties. For clients aiming to finance property acquisition and renovation, the company provides Fannie Mae-guaranteed HomeStyle loans. Justin Blodgett, one of its team members, holds a bachelor's degree in finance.

  • Reverse Mortgages

2307 Stephens Avenue, Missoula, MT 59801
WebsiteLicense: 2562

Expertise.com Rating

Review Sources

Google
4.7 (59)
Facebook
5.0 (14)
Yelp
4.0 (4)

Why choose this provider?

Capital Family Mortgage has been serving borrowers in Missoula since 1994. Its brokers offer VA, FHA, rural development, and conventional loan programs to people refinancing their mortgages or buying a home. They start the loan transaction by addressing the borrower's questions to help them understand the process. They also provide reverse mortgages to people 62 and older, allowing them to access the equity in their home and use the funds to supplement their retirement income.

  • 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.