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Best Mortgage Brokers in Winston Salem

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2023
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Alpha Mortgage logo
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License Verified:

License: 93265

Nationwide Multistate Licensing System and Registry

Alpha Mortgage

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1401 Sunset Drive, Greensboro, NC 27408
  • Refinance

Business Description

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.

License Verified:

License: 93265

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.
4.6
Google
5.0 / 5 (4)
Facebook
5.0 / 5 (1)

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
Amy Lawson logo

License Verified:

License: 571834

Nationwide Multistate Licensing System and Registry

Amy Lawson

380 Knollwood Street, Winston-Salem, NC 27103
  • New Construction
  • Refinance

Business Description

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.

License Verified:

License: 571834

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 (14)

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
Don Owens logo
Visit WebsiteWebsite

License Verified:

License: 98786

Nationwide Multistate Licensing System and Registry

Don Owens

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204 Muirs Chapel Rd Suite 100, Greensboro, NC 27410
  • Refinance

Business Description

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.

License Verified:

License: 98786

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 (87)
Facebook
5.0 / 5 (15)

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
––
Tammy Sexton Smith logo

License Verified:

License: 90223

Nationwide Multistate Licensing System and Registry

Tammy Sexton Smith

1403 Eastchester Drive, High Point, NC 27265
  • Refinance

Business Description

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.

License Verified:

License: 90223

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 (4)
Yelp
5.0 / 5 (1)

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 Mortgage Hotline logo

License Verified:

License: 107566

Nationwide Multistate Licensing System and Registry

The Mortgage Hotline

2201-107 Eastchester Drive, High Point, NC 27265
  • Refinance

Business Description

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.

License Verified:

License: 107566

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
Facebook
5.0 / 5 (1)

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

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.