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Best Mortgage Brokers in Raleigh

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Ace Mortgage Group LLC logo
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License Verified:

License: 1849774

Nationwide Multistate Licensing System and Registry

Ace Mortgage Group LLC

1780 Heritage Center Drive, Suite 103, Wake Forest, NC 27587
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  • FHA and VA mortgages
  • Multi-Family Loans
  • Purchase Transactions
  • New Construction
  • Refinance

Business Description

Ace Mortgage Group, LLC, is a brokerage that serves the Raleigh metro. The company is committed to delivering quality customer service and assistance to individuals and families that are choosing the appropriate loan program for their needs. Ace Mortgage Group also caters to prospective home buyers looking to purchase a new property and homeowners who are interested in refinancing their current homes. The company provides a pre-approval letter to its clientele to educate them and confirm their eligibility for the loan.

License Verified:

License: 1849774

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
Google
5.0 / 5 (46)

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
Advantage Lending logo
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License Verified:

License: 56871

Nationwide Multistate Licensing System and Registry

Advantage Lending

7521-101 Mourning Dove Rd, Raleigh, NC 27615
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  • Refinance
  • Purchase Transactions

Business Description

Established in 2004, Advantage Lending is a mortgage broker that focuses on transparency and customer education based in Raleigh. The company values simplicity, streamlining the mortgage processes for its clients. A partner for both first-time home buyers and experienced homeowners, the firm handles services such as purchasing, refinancing, and mortgage programs. Moreover, the company manages government programs such as USDA, VA, and FHA. Conventional, fixed, or adjustable-rate loans, and mortgage insurance are also included in its roster of services.

License Verified:

License: 56871

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.
3.9
Google
4.0 / 5 (17)

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
––
American Dream Residential logo
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License Verified:

License: 88010

Nationwide Multistate Licensing System and Registry

American Dream Residential

8522 Six Forks Road, Raleigh, NC 27615
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  • Multi-Family Loans

Business Description

American Dream Residential is a mortgage brokerage serving the Raleigh metro. The company is led by Andy May, who specializes in helping individuals and families in refinancing their homes and properties. American Dream Residential pioneers a two-person approach when dealing with its clients to ensure that all their needs are met and there is no room for mistakes in the entire application process. The company primarily offers government, VA, FHA, reverse, USDA, and fixed-rate and adjustable-rate loans.

License Verified:

License: 88010

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
Google
5.0 / 5 (60)
Facebook
5.0 / 5 (6)

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
Amerifirst Home Mortgage - Raleigh, NC logo
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License Verified:

License: 1776485

Nationwide Multistate Licensing System and Registry

Amerifirst Home Mortgage - Raleigh, NC

8045 Arco Corporate Drive, Raleigh, NC 27617
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  • Refinance

Business Description

Established in 1983, Amerifirst Home Mortgage is an independent mortgage banker that attends to borrowers in Raleigh. Its loan products include FHA, VA, and USDA rural development loans. It also offers loans for those who are planning to remodel their homes. Its area manager, Michael Lassiter, previously served as the vice president of Homeside Financial. In its mission to deliver equal housing opportunities, Amerifirst Home Mortgage has built a Diversity, Equity, and Inclusion team to provide representation for cultural communities.

License Verified:

License: 1776485

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
Google
4.0 / 5 (18)

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
Carl Kiger logo
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License Verified:

License: 89645

Nationwide Multistate Licensing System and Registry

Carl Kiger

1121 Situs Court, Raleigh, NC 27606
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  • Multi-Family Loans

Business Description

Carl Kiger is a CIMG Residential Mortgage loan officer serving Raleigh. He assists North and South Carolina clients with home loan choices such as fixed-rate and adjustable-rate mortgages, FHA, VA, and USDA loans. He also advises residents looking at refinancing as an option. Born and raised in Raleigh himself, Carl is focused on timely delivery and updating the customer in every step of the process. He has 16 years of experience in the mortgage industry.

License Verified:

License: 89645

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
Google
5.0 / 5 (122)

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
––
Carolina Home Loans of NC, LLC logo
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License Verified:

License: 115037

Nationwide Multistate Licensing System and Registry

Carolina Home Loans of NC, LLC

245 New Fidelity Court, Garner, NC 27529
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  • Refinance

Business Description

Carolina Home Loans of NC, LLC, is a mortgage brokerage providing services to Raleigh and the surrounding areas. It offers loan programs for clients who want to purchase a home, including FHA, VA, Jumbo, and USDA. It also gives clients the option to choose between fixed-rate and adjustable-rate mortgages. Additionally, its team specializes in the home refinance process and helps clients compare mortgage terms and rates. Its owner, Eric McDonald, is an independent broker with over 20 years of experience in the industry.

License Verified:

License: 115037

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.
4.0
Google
4.0 / 5 (9)
Carolina Mortgage Authority Incorporated logo
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License Verified:

License: 56995

Nationwide Multistate Licensing System and Registry

Carolina Mortgage Authority Incorporated

107 Edinburgh South Drive, Cary, NC 27511
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  • Refinance

Business Description

Carolina Mortgage Authority Incorporated is a veteran-owned mortgage company serving homebuyers and Realtors in Raleigh and nearby areas. With more than 40 years of combined mortgage experience, its team specializes in residential home purchase and refinancing. Some of the home loan options it offers include fixed-rate, adjustable-rate, VA, FHA, and conventional mortgages. The firm also provides refinancing programs for individuals looking to lower their monthly payments or seeking a cash-out refinance for home improvement expenses.

License Verified:

License: 56995

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
4.0 / 5 (46)
Facebook
5.0 / 5 (4)
Dash Home Loans logo
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License Verified:

License: 3094

Nationwide Multistate Licensing System and Registry

Dash Home Loans

131 Wind Chime Court, Raleigh, NC 27615
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  • New Construction

Business Description

Dash Home Loans is a mortgage brokerage firm serving Raleigh and the surrounding areas. It assists first-time homebuyers and refinancers through several loan programs, such as FHA 203(k), manufactured home loans, Chenoa funds, and USDA rural development loans. Founders Andy Borter, Luke Stelzer, and Paul Carini have over 45 years of combined experience in the home loan industry. The company is also active in giving back to the community through organizations like The Leukemia and Lymphoma Society and CASA, a non-profit affordable housing developer.

License Verified:

License: 3094

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
4.0 / 5 (101)

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
FM Lending Services logo
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License Verified:

License: 75164

Nationwide Multistate Licensing System and Registry

FM Lending Services

4509 Creedmoor Road, Raleigh, NC 27612
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  • Refinance

Business Description

FM Lending Services is a mortgage banker that handles refinancing and residential loans to homebuyers and sellers in Raleigh. It offers a wide range of mortgage programs, including adjustable-rate and fixed-rate mortgages, VA, FHA, and renovation financing. The company has in-house local underwriting and closing departments for timely closing times and loan settlements. FM Lending Services, led by Tim W. Wilson, has licenses in 46 states. Tim has over 30 years of experience in the housing and mortgage refinancing industry.

License Verified:

License: 75164

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
5.0 / 5 (355)
Facebook
4.0 / 5 (34)

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
Grayton Mortgage logo
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License Verified:

License: 1104545

Nationwide Multistate Licensing System and Registry

Grayton Mortgage

71 Kilmayne Drive, Cary, NC 27511
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  • Refinance

Business Description

Grayton Mortgage is a company that has been serving the Raleigh community since 2013. It offers a wide range of mortgage solutions for underserved clients in the lending marketplace. These include mortgages for conforming loans, first-time homebuyers, downpayment options, adjustable rates, and piggybacks or HELOCs. Its founder, Kevin Leibowitz, is a mortgage broker with over 20 years of experience. His past clients have praised his vast knowledge about the market.

License Verified:

License: 1104545

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
Google
5.0 / 5 (16)
Yelp
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
Janice Fowler logo
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License Verified:

License: 69658

Nationwide Multistate Licensing System and Registry

Janice Fowler

8352 Six Forks Road, Raleigh, NC 27615
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  • New Construction
  • Refinance

Business Description

Janice Fowler of Perennial Mortgage Group provides financing assistance to borrowers in Raleigh. She helps clients select from various loan options, from fixed-rate and adjustable-rate loans to government-supported programs such as VA and FHA. Furthermore, the mortgage professional guides homeowners along the refinancing process, whether they need to shorten their mortgage term or decrease monthly payments. Additionally, Janice offers down payment assistance programs for first-time homebuyers and eligible professionals such as county jailers, K-12 educators, and firefighters.

License Verified:

License: 69658

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
Google
5.0 / 5 (130)

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
Lynn O'Neal logo
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License Verified:

License: 69998

Nationwide Multistate Licensing System and Registry

Lynn O'Neal

851 Wake Forest Business Park, Wake Forest, NC 27587
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  • Refinance

Business Description

Lynn O'Neal is a branch manager and loan officer who works for GoPrime Mortgage. She uses over 15 years of experience to manage the Wake Forest branch, which serves homeowners in Raleigh. Lynn educates her clients on various loan options and industry terms, like "adjustable-rate mortgage" and "balloon payment." She also examines the current loan programs of her clients to recommend refinancing options and plan conversions. Additionally, Lynn processes online applications for conventional, USDA, VA, and FHA loans.

License Verified:

License: 69998

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.
4.8

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
Miller Lending Group, LLC logo
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License Verified:

License: 1108665

Nationwide Multistate Licensing System and Registry

Miller Lending Group, LLC

1135 Kildaire Farm Road, Cary, NC 27511
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  • Refinance
  • Purchase Transactions

Business Description

Miller Lending Group, LLC is a locally owned and locally operated company catering to homeowners and homebuyers in Raleigh. Established in 2013, it brings clients mortgage solutions for a home purchase or refinancing. It also assists first-time homebuyers with assessing mortgage loan options from various providers. Miller Lending Group's loan officers select lending partners that offer clients competitive rates and a simple underwriting process. The company strives to be transparent with its clients and inform them of drastic shifts in the market.

License Verified:

License: 1108665

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.
4.7
Google
4.1 / 5 (35)
Yelp
4.0 / 5 (8)

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
––
Pathway Mortgage Group logo
Visit WebsiteWebsite

License Verified:

License: 1819864

Nationwide Multistate Licensing System and Registry

Pathway Mortgage Group

140 Preston Executive Drive, Cary, NC 27513
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  • Refinance

Business Description

Pathway Mortgage Group is a brokerage in Cary that provides mortgage solutions for homebuyers and homeowners in the Raleigh metro. The firm is owned and operated by Barb Multari, a licensed mortgage advisor with over 20 years of experience in the field. She counsels clients who are looking for assistance in procuring home financing loans, such as conventional, government, and jumbo loans. Pathway Mortgage Group also offers tailored mortgage solutions for first-time homebuyers and homeowners looking to refinance their current mortgage.

License Verified:

License: 1819864

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
4.0 / 5 (113)
Facebook
4.0 / 5 (30)

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
Perennial Mortgage Group logo
Visit WebsiteWebsite

License Verified:

License: 75333

Nationwide Multistate Licensing System and Registry

Perennial Mortgage Group

8352 Six Forks Road, Raleigh, NC 27615
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  • New Construction
  • Refinance

Business Description

Perennial Mortgage Group has been helping first-time homebuyers and homeowners in Raleigh since 1996. The company's professionals are dedicated to guiding clients throughout the loan process, especially those who are refinancing a home or purchasing a new one. They coordinate with various lenders on the market to obtain rates and programs that best suit each family and individual's financial situation. Additionally, Perennial Mortgage Group handles multiple types of loans and strives to keep each customer's personal information safe and secure.

License Verified:

License: 75333

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
Google
5.0 / 5 (130)
Facebook
4.0 / 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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Raleigh Mortgage Group logo
Visit WebsiteWebsite

License Verified:

License: 69573

Nationwide Multistate Licensing System and Registry

Raleigh Mortgage Group

8414 Falls of Neuse Road Suite 202, Raleigh, NC 27615
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  • New Construction
  • Purchase Transactions
  • Refinance

Business Description

Raleigh Mortgage Group has been serving the home loan needs of Raleigh and the surrounding communities since 2001. It finds the mortgage program that matches its clients' needs and long-term goals. For first-time home buyers, the company offers conventional, USDA, VA and FHA loans. It also handles Fannie Mae and Freddie Mac loans for real estate investors who aim to purchase and refinance an investment property. In addition, it helps buyers of high-end homes acquire jumbo loans. Its owner Brian Grubbs has been in the industry since 1997.

License Verified:

License: 69573

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
Google
5.0 / 5 (303)
Facebook
4.8 / 5 (34)
Yelp
5.0 / 5 (2)

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
Richard Cohen logo
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License Verified:

License: 117824

Nationwide Multistate Licensing System and Registry

Richard Cohen

4700 Falls of Neuse Road, Raleigh, NC 27609
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  • Refinance

Business Description

Richard Cohen is a branch manager at Movement Mortgage who serves clients in Raleigh. He offers a variety of mortgage loan programs for homebuyers and homeowners, including conventional loans, FHA loans, cash-out refinance, condominium loans, jumbo loans, and reverse mortgages. Since its establishment in 2008, Movement Mortgage's employees have grown into more than 4,000, and it has expanded its services to more than 650 locations across the U.S. Consequently, it was recognized by Inc. magazine as the fastest-growing mortgage bank in the country.

License Verified:

License: 117824

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
Google
5.0 / 5 (8)

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
Rob Yo The Mortgage Pro logo
Visit WebsiteWebsite

License Verified:

License: 1114541

Nationwide Multistate Licensing System and Registry

Rob Yo The Mortgage Pro

7521 Mourning Dove Road, Raleigh, NC 27615
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  • Refinance

Business Description

Rob Yo The Mortgage Pro is a mortgage brokerage with multiple offices in Raleigh, Clayton, Goldsboro, Garner, and Cary. It provides a complete range of mortgage banking services, from processing to in-house loan funding. The company offers an extensive range of loan products, including FHA loans, USDA loans, and VA loans. It also provides conventional loans, jumbo loans, and MCC. It assists clients looking to buy their first homes or planning to buy their dream homes, as well as those looking to refinance outstanding loans.

License Verified:

License: 1114541

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
Google
5.0 / 5 (15)
Facebook
5.0 / 5 (11)

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
Satterwhite Financial logo
Visit WebsiteWebsite

License Verified:

License: 54728

Nationwide Multistate Licensing System and Registry

Satterwhite Financial

104 Wind Chime Court, Raleigh, NC 27615
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  • Refinance

Business Description

Offering its services in and around Raleigh since 2000, Satterwhite Financial provides clients a varied selection of mortgage products, ranging from conventional and jumbo loans to fixed-rate and adjustable-rate mortgages. In addition, the company has investor and 2nd home loan programs. Its mortgage professionals can assist clients in refinancing their existing mortgages or consolidating their current debts. The company's owner and president, Steve Satterwhite, holds a Bachelor's Degree in Business Management and Finance. Moreover, he has over 20 years of experience in the mortgage industry.

License Verified:

License: 54728

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.
4.5
Google
4.0 / 5 (15)
Facebook
5.0 / 5 (9)
Service 1st Mortgage logo
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License Verified:

License: 115222

Nationwide Multistate Licensing System and Registry

Service 1st Mortgage

5 West Hargett Street, Raleigh, NC 27601
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  • New Construction
  • Refinance

Business Description

Edyta Rhodes is a Raleigh-based mortgage broker for Service 1st Mortgage that serves the residents of Raleigh. Service 1st Mortgage offers different loan options to match the specific needs of different clients looking to purchase a house. Edyta helps her clients by educating them and answering any mortgage-related questions that they might have. Her website has several free tools and calculators that can help a prospective home buyer or first-time borrower to make an informed decision.

License Verified:

License: 115222

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.
4.8
Google
5.0 / 5 (52)

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
The Amy Bonis Mortgage Team logo
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License Verified:

License: 106455

Nationwide Multistate Licensing System and Registry

The Amy Bonis Mortgage Team

10224 Durant Road, Raleigh, NC 27614
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  • Down Payment Assistance Loans
  • New Construction
  • Purchase
  • Refinance

Business Description

Serving the Raleigh metro, The Amy Bonis Mortgage Team is a mortgage company founded by Amy Bonis. Its mortgage products include down payment assistance, housing finance, investor loans, and rehab loans. Amy Bonis, who has over 30 years of industry experience, and her professional mortgage staff help their clients with their financial needs and long-term goals by offering personal consultations and finding the right loan programs. The company is a guest on “It’s Your Money” and has been featured on local TV stations.

License Verified:

License: 106455

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.
4.7
Google
4.8 / 5 (82)
Yelp
4.0 / 5 (12)

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
The David M. Damaré Team logo
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License Verified:

License: 65495

Nationwide Multistate Licensing System and Registry

The David M. Damaré Team

4098 Barrett Drive, Raleigh, NC 27609
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  • Refinance

Business Description

The David M. Damaré Team has been assisting first-time homebuyers and experienced buyers in Raleigh since 2003. Committed to helping clients achieve their homeownership goals, its team of mortgage professionals offers custom solutions that suit their financial lifestyles. Aside from mortgage lending services, they also keep homeowners up-to-date with the market trends and news. Owner David Damaré has more than 16 years of experience providing customized mortgage lending services. He also volunteers for various charities to support the community.

License Verified:

License: 65495

Nationwide Multistate Licensing System and Registry

The Sherry Riano Team at First Heritage Mortgage logo
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License Verified:

License: 71774

Nationwide Multistate Licensing System and Registry

The Sherry Riano Team at First Heritage Mortgage

215 East Chatham Street, Cary, NC 27511
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  • New Construction
  • Refinance

Business Description

The Sherry Riano Team at First Heritage Mortgage is a resource of mortgages for primary, investment, and vacation properties in Raleigh. For more than 20 years, it has been providing property financing solutions with its team of experienced loan officers. Its mortgage options include VA, FHA, conventional, refinancing, jumbo, and construction and renovation loans. In addition, it offers specialty programs that consist of second mortgage loans, bridge loans, and a financing program for non-warrantable condos.

License Verified:

License: 71774

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
4.0 / 5 (133)
Facebook
5.0 / 5 (16)
Yelp
4.0 / 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
Towne Mortgage of the Carolinas logo
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License Verified:

License: 214800

Nationwide Multistate Licensing System and Registry

Towne Mortgage of the Carolinas

4515 Falls of Neuse Road, Raleigh, NC 27609
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  • Refinance
  • Purchase Transactions

Business Description

Towne Mortgage of the Carolinas provides financing assistance from its Raleigh location. Its team of home loan specialists assists a diverse clientele, covering clients who are purchasing their first homes, borrowers who need funding for home construction, and homeowners looking into refinancing existing mortgages. VA, FHA, renovation, jumbo, and conventional loans are some of the firm's products. Towne Mortgage of the Carolinas utilizes its relationships with builders, appraisers, and Realtors in guiding clients along the home loan process.

License Verified:

License: 214800

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.
4.0
Google
4.0 / 5 (225)

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
––
Vision Lending Services logo
Visit WebsiteWebsite

License Verified:

License: 1934046

Nationwide Multistate Licensing System and Registry

Vision Lending Services

9208 Falls of Neuse Road, Raleigh, NC 27615
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  • Refinance

Business Description

Vision Lending Services is a Raleigh mortgage firm that services the metro and nearby community through financial guidance and loan programs. The locally owned company is familiar with the local real estate climate and can provide tailored loans and mortgage strategies for clients in the area. Some of its services include conventional loans, government loans (USDA, VA, and FHA), and specialty loans (jumbo, all-in-one, and HomeFundIt). The company is also an NMLS-certified business.

License Verified:

License: 1934046

Nationwide Multistate Licensing System and Registry

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Frequently Asked Questions

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.

How do mortgage brokers get paid?

The customer or the lender pays the mortgage broker. By law, it's illegal for a mortgage broker to accept payment from both parties. Additionally, thanks to the Dodd-Frank Act, a mortgage broker cannot have hidden fees or base their commission on their customer's interest rate.

What makes mortgage brokers different from loan officers?

Loan officers are employees of a single lender. For example, if you go to a bank for a mortgage, you'll deal with their loan officer. They’re paid a set salary and receive bonuses; however, they can only offer loans from their bank.

A mortgage broker works independently or for a firm, and they’re paid by the client or lender. Mortgage brokers can approach several lenders, giving individuals many more options.

What is the difference between a commercial mortgage broker and a home loan broker?

A commercial mortgage broker deals with real estate loans for businesses. The loan for the commercial property is given to the company, not the individual. As a result, the approval process reviews the financial health of the business. In comparison, a home loan broker helps individuals gain a real estate loan for their property.

How much do mortgage brokers make?

According to Salary.com, the average salary for a mortgage broker in the U.S. ranges between $75,344 and $99,498. However, this can significantly vary depending on the state you work in, bonuses, and other factors.

How do mortgage brokers get paid?

How a mortgage broker gets paid entirely depends on who they work for. If they’re an independent contractor, all of their income comes from their clients or lenders. If the person works for a brokerage, they may be paid a combination of a base salary and bonuses from closed deals.

How much do mortgage brokers make per loan?

Mortgage brokers typically make between 1% and 2% of the total loan amount on each deal closed. The client or the lender will pay this fee. The mortgage broker does not receive their payment until the loan is approved and finalized. 

Can mortgage brokers work across state lines?

Yes, mortgage brokers can work across state lines. However, each state has different licensing requirements for its mortgage brokers. To legally close a transaction, you must be certified in the state of the transaction. Additionally, it's helpful to know the state's closing process, as this can change from state to state.

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.

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.

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.

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