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Best Mortgage Brokers in Concord, NC

Our Recommended Top 7

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

28Reviewed

19Curated

7Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

8604 Cliff Cameron Drive Ste. 140, Charlotte, NC 28269
WebsiteLicense: 1059883

Expertise.com Rating

Review Sources

Facebook
5.0 (67)
Zillow
5.0 (22)

Why choose this provider?

Gateway Financial Group serves clients across the Concord area. The company offers mortgage programs for aspiring homeowners, including loans insured or guaranteed by government agencies like the VA and USDA. It also provides the FHA 203K program, a solution that allows borrowers to finance property acquisition and renovation. It has experience assisting first-time home buyers and real estate investors through the mortgage application process. The company also helps homeowners refinance their loans to obtain reduced interest rates.

  • Refinance

3620 Central Ave, Suite 100, Charlotte, NC 28205
WebsiteLicense: 39306

Expertise.com Rating

Review Sources

Google
4.8 (39)

Why choose this provider?

K.D. Financial Services Inc caters to the home purchasing needs of individuals and families in Concord and nearby communities. It aids borrowers with their refinancing plans, helping them convert mortgages between fixed and adjustable rates, lower interest rates, borrow against the equity of their homes, consolidate debts, and lower monthly payments. Working with over 100 investors, its loan officers also provide a variety of loan programs, including 10- to 30-year, jumbo, conventional, and VA mortgages.

  • Refinance
  • New Construction

845 Church St. N. Suite 310, Concord, NC 28025
WebsiteLicense: 659098

Expertise.com Rating

Review Sources

Google
5.0 (170)
Facebook
5.0 (35)

Why choose this provider?

Fairway Custom Mortgage Group works with clients across Concord. It advises aspiring homeowners on their loan options, like conventional and jumbo programs. The company also offers loans guaranteed or insured by different government agencies, including the USDA, FHA, and VA. It has experience providing reverse mortgages for senior homeowners looking for a way to manage medical or funeral-related expenses. The company was recognized by Mortgage Executive Magazine as the "Best Mortgage Company To Work For" in 2018.

  • Reverse Mortgages

41 Union Street South Suite B, Concord, NC 28025
WebsiteLicense: 2130569

Expertise.com Rating

Review Sources

Google
5.0 (18)

Why choose this provider?

Savvy Mortgage provides mortgage assistance to families and individuals in the Concord area and nearby locations. It works with various lenders to help buyers and investors acquire loan terms tailored to their specific needs. The company guides clients throughout the mortgage process, including the filing of loan applications. It also assists borrowers in developing strategies for lowering their monthly rates. Brandie Jackson, the owner, is a Realtor who previously worked as a loan processor for over eight years.

  • Refinance

2525 Distribution Street, Suite 5, Charlotte, NC 28203
WebsiteLicense: 2079400

Expertise.com Rating

Review Sources

Google
4.7 (14)
Facebook
5.0 (6)

Why choose this provider?

Empower Home Loans, LLC, serves clients throughout Concord and its neighboring areas. This Charlotte-based company offers a vast selection of loan programs, such as FHA, VA, USDA, and conventional loans. It also provides home equity, construction, foreign national, refinance, and reverse mortgage loan products. Its mortgage professionals help clients in evaluating their financial situation and guide them in making informed decisions in selecting a loan program. Clients can apply for a loan online through the company's website.

  • Refinance
  • New Construction

5736 N Tryon St #201e, Charlotte, NC 28213
WebsiteLicense: 68662

Expertise.com Rating

Review Sources

Google
5.0 (23)

Why choose this provider?

Lane Lending Inc. offers residential financing solutions for individuals in Concord and nearby neighborhoods. The mortgage brokerage has access to numerous programs and lenders, allowing it to offer various financing options for clients who are either purchasing or refinancing. These include jumbo, USDA, and VA loans. It also helps clients apply for FHA 203(k) loans, which cater to individuals who are purchasing homes that need repair. Company president Adam Lane has two decades of trade experience.

  • Refinance
  • New Construction

5950 Fairview Rd, Charlotte, NC 28210
WebsiteLicense: 926762

Expertise.com Rating

Review Sources

Zillow
5.0 (27)
Facebook
5.0 (10)

Why choose this provider?

Scott Hastings helps Concord residents finance their homes. He utilizes over 18 years of banking and home loan experience to meet clients’ needs, whether they are purchasing their first, second, or vacation properties. He provides different options, such as adjustable-rate, FHA, jumbo, USDA, VA, and zero-dollar down loans. The mortgage loan originator also caters to borrowers with unique circumstances, such as self-employed individuals. Hastings is affiliated with mortgage lender Homebridge Financial Services, Inc., which operates a network of 200 offices in 49 states across the country.

  • Refinance
  • New Construction

Compare our Top Mortgage Brokers

NameExpertise RatingAddressPromotionsLearn more
Gateway Financial Group
8604 Cliff Cameron Drive Ste. 140, Charlotte, NC 28269
K.D. Financial Services Inc
3620 Central Ave, Suite 100, Charlotte, NC 28205
Fairway Custom Mortgage Group
845 Church St. N. Suite 310, Concord, NC 28025
Savvy Mortgage
41 Union Street South Suite B, Concord, NC 28025
Empower Home Loans, LLC
2525 Distribution Street, Suite 5, Charlotte, NC 28203
Lane Lending Inc.
5736 N Tryon St #201e, Charlotte, NC 28213
Scott Hastings
5950 Fairview Rd, Charlotte, NC 28210

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.