Best Mortgage Brokers in Winston Salem

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Last updated: September 26, 2022

Alpha Mortgage

1401 Sunset Drive, Greensboro, NC 27408

Refinance

Alpha Mortgage is a full-service mortgage company that serves the residents of Winston Salem. It offers home purchase loan programs such as conventional loans, FHA loans, VA loans, and USDA loans. It also provides mortgage options for clients above the age of 62, including reverse mortgages, H4P home loans, and the HECM program. In addition, it handles non-primary investment loans such as second home financing and rental property loans. Alpha Mortgage has been in operation for more than 35 years.

Amy Lawson

380 Knollwood Street, Winston-Salem, NC 27103

New Construction
Refinance

Amy Lawson is a loan specialist in Winston Salem affiliated with Movement Mortgage, a company providing financing solutions since 2008. She helps homebuyers select from a variety of loan products, such as USDA, VA, condominium, new construction, or jumbo loan programs. Furthermore, she also assists clients who are over 62 years of age and homeowners looking into refinancing existing mortgages. Amy provides assistance throughout the loan process, including pre-approval and mortgage term and interest rate comparison.

Don Owens

204 Muirs Chapel Rd Suite 100, Greensboro, NC 27410

Refinance

Don Owens is a branch manager at Hamilton Home Loans who serves clients in Winston Salem. He specializes in offering various mortgage loan options for first-time home buyers, real estate investors, homeowners, and older people. Mortgage products include FHA, USDA, VA loans, and reverse mortgages. His team of mortgage specialists has received positive feedback from clients for their professionalism and knowledge, eliminating red tape and avoiding common mistakes in the mortgage loan process.

Mariner Finance

1113 Silas Creek Parkway, Winston-Salem, NC 27127

Refinance

Mariner Finance, a mortgage lending firm founded in 1927, serves customers in the Winston Salem metro area. It provides clients who wish to buy a home with a wide range of loan options, including FHA, VA, and mortgage loans. It also offers personal, car, and debt consolidation loans. Its team of professionals assesses customers' financial situations and crafts a loan and payment plan that fits their needs. Mariner Finance has more than 470 branches in 25 states throughout the country.

Mike Bailey

3844 Clemmons Road Suite A, Clemmons, NC 27012

New Construction
Refinance

Mike Bailey of Fairway Independent Mortgage Corporation is a senior loan officer offering mortgage solutions to Winston Salem residents. He joined the industry in 1986 and has been assisting first-time homebuyers looking for mortgage options since then. He carries different loan options, such as FHA, VA, jumbo, conventional, and USDA/rural development mortgage. Mike also provides adjustable-rate, fixed-rate, renovation, and reverse mortgage. Additionally, the loan officers help clients acquire physician loans and refinance programs.

Prosperity Home Mortgage, LLC

110 Oakwood Drive, Winston-Salem, NC 27103

Refinance

Prosperity Home Mortgage, LLC, a wholly-owned subsidiary of The Long & Foster Companies, LLC, is a full-service mortgage banker serving Winston Salem. It offers a wide range of mortgage products, including fixed and adjustable-rate mortgages, FHA, VA, jumbo loans, and renovation financing. The company began in 2006 and also operated in California, Florida, New Jersey, and Washington. It has more than 500 mortgage consultants across the United States that clients can contact if they have questions about the company's services.

Tammy Sexton Smith

1403 Eastchester Drive, High Point, NC 27265

Refinance

Tammy Sexton Smith is a broker for Caliber Home Loans, Inc., serving Winston Salem. She has been working in the mortgage industry for 15 years, giving her a better edge when it comes to knowledge in residential lending, including conventional loans, government-backed mortgage loans, HUD homes, GNND homes, and NCHFA programs. She personally guides clients throughout the loan processing, from finding to securing the mortgage plan with terms and rates that fit the clients' needs.

The Mortgage Hotline

2201-107 Eastchester Drive, High Point, NC 27265

Refinance

The Mortgage Hotline is a mortgage company that provides various products to customers in Winston Salem and the surrounding areas. It has several programs that will aid buyers in purchasing a home. It employs the most advanced technology when helping customers close their loans. Its staff of experts expedites the entire transaction of mortgage processing, loan funding, and underwriting. The company calculates credit scores by looking at different variables like late payments, the amount of open credit, and the customer's credit history.

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Frequently Asked Questions

Q: Do mortgage brokers need to be licensed?

A: 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.

Q: Is it difficult to pass the mortgage brokers’ test?

A: 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.

Q: What is a surety bond for mortgage brokers?

A: 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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