Expertise.com

2024

Last updated:

Best Mortgage Brokers in Asheville

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

27Reviewed

18Curated

6Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1200 Bleachery Blvd, Asheville, NC 28803
WebsiteLicense: 173711

Expertise.com Rating

Review Sources

Google
5.0 (57)
Facebook
4.7 (34)

Why choose this provider?

Mountain Lifestyles Mortgage is a locally owned and operated firm that serves individuals, couples, and families throughout the Asheville metro. The company has been in the business for two decades, assisting clients in achieving their goals of home ownership or saving money by refinancing a loan with a reduced monthly payment. Loan programs include FHA, VA, USDA, and jumbo. Mountain Lifestyles Mortgage extends its services to clients in Hendersonville, Weaverville, Marshall, Brevard, Candler, and Waynesville.

  • Refinance

149 S Lexington Ave, Asheville, NC 28801
WebsiteLicense: 113607

Expertise.com Rating

Review Sources

Google
4.9 (184)
Facebook
4.9 (19)
Yelp
5.0 (16)

Why choose this provider?

The Asheville Team, which is affiliated with Fairway Independent Mortgage Corporation, caters to the home loan needs of residents in and around the local area. Its team creates mortgage plans for first-time homebuyers and homeowners looking for refinancing options. The professionals evaluate clients' needs and make mortgage recommendations accordingly. They also assist seniors who are planning to purchase retirement homes or looking to eliminate monthly mortgage payments. Branch manager David Kanis has more than 25 years of industry experience.

  • Refinance

862 Haywood Road, Asheville, NC 28806
WebsiteLicense: 69551

Expertise.com Rating

Review Sources

Google
5.0 (148)
Zillow
5.0 (95)
Facebook
4.8 (40)

Why choose this provider?

GoPrime Mortgage is a brokerage company that caters to the residents of Asheville. It helps families purchase residential properties by offering VA, USDA, FHA, and construction loans. It also provides refinancing services to help existing homebuyers adjust their monthly payment rates, improve their credit scores, or cash out on equity. The company started as a single office in North Carolina founded by former military serviceman John Rodgers. It has since expanded to serve more than 30 states.

  • New Construction

54 Ravenscroft Dr, Asheville, NC 28801
WebsiteLicense: 1120087

Expertise.com Rating

Review Sources

Google
5.0 (42)
Facebook
5.0 (31)
Yelp
5.0 (2)

Why choose this provider?

Lucid Lending delivers mortgage broker services to clients in and around Asheville. The company has government-backed choices that are fit for those who are currently building their credit ratings and veteran members of the military. Fixed mortgages are available with terms varying from 15 to 30 years. It also offers online tools hand to estimate home valuations. Lucid Lending is manned by a team of five, with members who hail from mixed marketing and brokerage backgrounds.

  • Refinance

2 Town Square Blvd. Suite 220, Asheville, NC 28803
WebsiteLicense: 42020

Expertise.com Rating

Review Sources

Google
5.0 (66)
Zillow
5.0 (42)
Yelp
5.0 (1)

Why choose this provider?

Beverly-Hanks Mortgage has refinancing programs with fixed and adjustable rate terms for customers in Asheville. It offers USDA, VA, FHA, and jumbo loans to clients who plan to purchase homes or rental investment properties. In addition, it has conventional mortgages with loan terms ranging from 10 to 30 years. The firm has been serving the community since 1999. Amy Hanks, the chief executive officer, started her career in the mortgage lending industry over 20 years ago.

  • Refinance

84 Coxe Ave, Ste 1A, Asheville, NC 28801
WebsiteLicense: 643805

Expertise.com Rating

Review Sources

Zillow
5.0 (50)
Facebook
4.9 (34)
Realtor
5.0 (20)

Why choose this provider?

Kimberly Winters is a senior loan officer and mortgage consultant with Movement Mortgage who serves residents throughout Asheville. Winters provides clients with different types of loan programs, which include home purchase and refinance loans. The programs include 30-year fixed-rate mortgages, FHA, USDA, and VA loans. She also handles reverse mortgages, jumbo, and 203K loans. Kim Winters has helped more than 2,500 clients with their mortgage needs and was recognized as being among the top 1% of mortgage originators in the United States by Mortgage Executive Magazine.

  • 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.