Expertise.com

Best Mortgage Brokers in Sparks

2024

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Providers

Last updated:

Website
1311 N. McCarran Blvd, Suite 102, Sparks, NV 89431
  • Refinance

Why choose this provider?

The Half-A-Dime Mortgage Team comprises financial specialists who serve people in Sparks and nearby areas. It aims to provide personalized services by complementing its loan options with clients' goals, needs, and budgets. Some of the mortgage types it offers are refinancing, fixed- or adjustable-rate, conforming, jumbo, and government loans. To help customers make informed decisions, the company provides online tools, such as a payment calculator, home value estimator, refinance rate checker, and homes-for-sale search page.

License Verified:

License: 439696

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
Facebook
4.9 / 5 (38)
Google
4.8 / 5 (21)
Yelp
5.0 / 5 (10)

Website
6880 S. McCarran Blvd, Suite 6, Reno, NV 89509
  • Refinance

Why choose this provider?

Wholesale Mortgage Services is a brokerage firm that serves clients in and around the greater Sparks metro. The company offers a selection of refinancing services to assist clients in achieving their objectives, whether they want to take advantage of reduced loan interest rates, reduce their monthly mortgage payments, or withdraw cash from the equity in their property. It also provides home purchase loan options for people looking to acquire a new house or property. Wholesale Mortgage Services is certified by the NMLS.

License Verified:

License: 330418

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 (38)
Zillow
5.0 / 5 (6)

Website
5595 Kietzke Ln., Suite 100, Reno, NV 89511
  • Refinance
  • New Construction

Why choose this provider?

Home Wealth Funding assists borrowers in Sparks in obtaining traditional government financing. It provides loans through FHA, VA, USDA, and GNMA direct lenders. These loans have fixed and adjustable rate options and can be used for primary, secondary, and investment properties. The business also offers refinancing for homeowners who want lower monthly payments or those seeking to get cash from equity. The locally owned and operated company was established in 2014, while its team has been in the industry for over a decade.

License Verified:

License: 1194292

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 (248)

Website
300 S. Wells Ave., Reno, NV 89502
  • Refinance

Why choose this provider?

Vanmar Lending is a full-service mortgage brokerage that serves property owners and first-time home buyers in Sparks and neighboring areas. It assists clients in achieving their financial goals by offering VA, USDA, FHA, conventional, and jumbo loan programs. It also helps them with eliminating monthly PMI, paying off debt, and making home improvements through refinancing. Kristen and Carlos Martinez started Vanmar Lending as a family business in 2012. The pair have over 30 years of combined experience in loan origination.

License Verified:

License: 2259096

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
Yelp
4.5 / 5 (44)
Facebook
4.8 / 5 (30)
Google
5.0 / 5 (9)

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

Website
899 Tahoe Blvd Ste 500, Incline Village, NV 89451
  • Refinance
  • New Construction

Why choose this provider?

Lake Tahoe Mortgage, LLC, accommodates real estate investors, first-time homebuyers, and those wanting to refinance their properties in and around Sparks. The agency provides different residential loan programs, such as conventional, reverse mortgage, renovation, adjustable and fixed-terms, jumbo, and USDA. It collaborates with several nationwide wholesale lenders to compare rates and custom-design loan options. Its team of loan officers is also licensed to serve customers in California. Lake Tahoe Mortgage's website features a monthly payment calculator for interest rates, amortization terms, and loan amounts.

License Verified:

License: 1580223

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)
Yelp
5.0 / 5 (2)

Website
6774 S McCarran Blvd #102, Reno, NV 89509
  • Refinance

Why choose this provider?

The brokers of Mortgage Professionals Group cater to the loan needs of the Sparks community. The company uses its mortgage expertise and tools to help both first-time home buyers and seasoned investors determine the differences between various programs and select the right loan for them. Its products include 15- and 30-year fixed mortgage, jumbo, super jumbo, adjustable-rate mortgage, and conforming loans. The team also provides FHA, VA, and USDA loan options.

License Verified:

License: 1736585

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)
Facebook
5.0 / 5 (8)

Website
4884 Sparks Boulevard Suite 100, Sparks, NV 89436
  • Refinance

Why choose this provider?

MortgageRight Northern Nevada has brokers who serve residents of Sparks. Its staff members dedicate their practice to making the process of home buying easier by offering mortgage tools and tips. The company lends to home buyers directly and offers conventional, USDA, FHA, VA, and reverse mortgage loans. MortgageRight helps process loans from initial application up to closing for first-time buyers, building their ideal home, or remodeling. It is also licensed to operate in Arizona, Florida, California, and Michigan.

License Verified:

License: 2167539

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
Facebook
5.0 / 5 (6)

Website
10669 Fire Poppy Circle, Reno, NV 89521
  • Refinance

Why choose this provider?

Home Heros Lending, Inc., is a full-service mortgage broker. It offers loans to home buyers and refinancing options to residential property owners in Sparks. The company has various loans, including self-employment, conventional, jumbo, USDA, VA, and FHA. Its variety of refinancing programs includes home equity, reverse mortgage, debt consolidation, cash-out, and streamline. CEO, loan advisor, and mortgage coach Suzanne Voter has more than three decades of industry experience, while production partner Sandy Tupper has been working as a mortgage underwriter for over two decades.

License Verified:

License: 230270

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
Facebook
4.8 / 5 (33)
Google
5.0 / 5 (10)

Website
5470 Kietzke Ln Ste 220, Reno, NV 89511
  • Refinance
  • New Construction

Why choose this provider?

Shivani Peterson is a mortgage advisor who serves individuals and families in Sparks and the surrounding areas. She assists different types of clients, including first-time, move-up, and self-employed home buyers. The loan products she offers include conventional, non-conforming, and Alt-A mortgages. She also provides government programs such as VA, FHA, and USDA loans. In addition, she helps clients refinance existing mortgages. Peterson has been working in the mortgage banking industry for more than a decade.

License Verified:

License: 866955

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
Zillow
5.0 / 5 (144)
Facebook
4.9 / 5 (109)

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.