Best Mortgage Brokers in Albany

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1st Priority Mortgage, Inc. logo
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License Verified:

License: 29600

Nationwide Multistate Licensing System and Registry

1st Priority Mortgage, Inc.

1547 Route 9, Clifton Park, NY 12065
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  • Reverse Mortgages
  • Refinance

Business Description

1st Priority Mortgage, Inc., caters to people in Albany who need assistance from mortgage brokers. The team has government-backed loans fit for military combat veterans and agricultural property buyers. It also offers refinancing solutions and helps with conversion between fixed and adjustable rate mortgages to ease clients' burdens of compliance. Online calculators are available to provide initial information and computations before formal meetings. 1st Priority Mortgage was established in 1986 and is affiliated with the Real Estate Services Providers Council.

License Verified:

License: 29600

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.
4.1

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
Artisan Mortgage logo
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License Verified:

License: 23084

Nationwide Multistate Licensing System and Registry

Artisan Mortgage

134 4th Ave, Albany, NY 11706
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  • Refinance

Business Description

Artisan Mortgage serves residents in Albany who need home financing options. The team has specialty products aimed at inexperienced homebuyers and those with existing debts that need restructuring. Government-backed programs that are fit for military veterans and agricultural clients are also available. Artisan Mortgage is led by Jim Barry, who has been in the lending industry for more than two decades. It has offices in two states and was named the best mortgage company by the Long Island Press.

License Verified:

License: 23084

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
5.0 / 5 (63)
Yelp
5.0 / 5 (5)

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
Capital New York Home Advantage LLC logo
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License Verified:

License: 709537

Nationwide Multistate Licensing System and Registry

Capital New York Home Advantage LLC

100 Saratoga Village Blvd Suite 37T, Malta, NY 12020
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  • Refinance

Business Description

Capital New York Home Advantage LLC is a mortgage broker that lists the Albany metro as one of its service areas. It arranges different kinds of home financing solutions, including reverse mortgages, portfolio loans, and USDA, FHA, or VA programs. Additionally, the company assists citizens from other countries, clients planning renovations, and buyers of mobile or modular homes, condos, and investment properties. Owner and mortgage originator Michael Albano has over 15 years of experience in the industry.

License Verified:

License: 709537

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 (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
ClearPath Mortgage Solutions logo
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License Verified:

License: 1394615

Nationwide Multistate Licensing System and Registry

ClearPath Mortgage Solutions

43 British American Blvd., Suite 5, Latham, NY 12110
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  • Refinance

Business Description

ClearPath Mortgage Solutions helps Albany clients find financing options for new homes and existing loans. Its loan officers guide homebuyers in the process by identifying homeownership goals, comparing rates and terms, evaluating finances, reviewing applications, and working with Realtors to secure dream properties. They have a digital learning center that educates people on different mortgage options and home-buying strategies. The company is a Certified Veterans Lending Specialist. It also supports veteran-focused nonprofits, like Operation At Ease, VCHC, and #HicksStrong.

License Verified:

License: 1394615

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 (160)
Facebook
5.0 / 5 (53)

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
Freedom One Funding logo
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License Verified:

License: 25871

Nationwide Multistate Licensing System and Registry

Freedom One Funding

404 Troy Schenectady Rd Ste 1, Latham, NY 12110
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  • Refinance

Business Description

Freedom One Funding is an independent mortgage broker serving the homeownership goals of individuals and families in Albany. Through its network of lenders, its team of professionals shops for financing products such as adjustable-rate mortgages, FHA streamline, HARP, and USDA, VA, and conventional loans. They design solutions for various types of borrowers, including first-time or second-home buyers, investors, and property rehabbers. Freedom One Funding is an owner-operated business catering to the community's needs since 2002.

License Verified:

License: 25871

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
4.8 / 5 (26)
Home Choice Capital, Inc. logo
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License Verified:

License: 1948769

Nationwide Multistate Licensing System and Registry

Home Choice Capital, Inc.

440 Route 146, Lower Level, Clifton Park, NY 12056
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  • Refinance

Business Description

Home Choice Capital, Inc., is a mortgage brokerage catering to clients in Albany. It offers a variety of loan programs for individuals looking to purchase a home or refinance their existing mortgages, such as FHA, VA, USDA, and investment property loans. The company also offers several Fannie Mae and Freddie Mac loan programs that require only a low down payment for home purchases. Nancy Herrmann, Home Choice Capital's owner, is a mortgage broker with 15 years of experience in the insurance, private financing, and mortgage industry.

License Verified:

License: 1948769

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 (5)
Homeowners Advantage logo
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License Verified:

License: 290363

Nationwide Multistate Licensing System and Registry

Homeowners Advantage

4 Winners Circle, Albany, NY 12205
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  • Refinance

Business Description

Homeowners Advantage caters to the mortgage needs of individuals in Albany. The mortgage broker provides various loan options, including VA, FHA, and USDA rural loans. Its team assists first-time homebuyers in finding loan programs with low down payments and options with no private mortgage insurance. Homeowners Advantage was established in 2010 with the mission of helping clients achieve their dream homes and making real estate loan options affordable through its refinancing programs. It has closed over 2,000 loans for local clients.

License Verified:

License: 290363

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
4.8 / 5 (84)
Maple Tree Funding logo
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License Verified:

License: 55185

Nationwide Multistate Licensing System and Registry

Maple Tree Funding

1202 Troy Schenectady Rd, Bldg 3, Latham, NY 12110
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  • Refinance

Business Description

Maple Tree Funding is a locally owned mortgage brokerage agency that serves customers in Albany. It provides individualized plans for home loans and refinancing. Its loan options include fixed-rate and adjustable-rate conventional mortgages, jumbo, conforming and non-conforming, and government loan types, including FHA, VA, and USDA. It also assists first-time home buyers and clients with less-than-perfect credit reports. Maple Tree Funding was established in 2003 and is a member of the National Association of Mortgage Brokers.

License Verified:

License: 55185

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
4.7 / 5 (148)
Google
4.9 / 5 (142)

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
Northeast Funding Services logo
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License Verified:

License: 46813

Nationwide Multistate Licensing System and Registry

Northeast Funding Services

125 Wolf Road Suite 217, Albany, NY 12205
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  • Refinance

Business Description

Northeast Funding Services is a mortgage brokerage that caters to the housing needs of its clients in Albany. The company offers government-backed loans, such as VA, FHA, and USDA. In addition, it has reverse and conventional mortgages on hand. Northeast Funding Services provides various refinancing options for those who want to get lower interest rates and monthly payments. The home lending business has been in the mortgage industry for over two decades and is also licensed to operate in Connecticut.

License Verified:

License: 46813

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
4.8 / 5 (84)
Facebook
5.0 / 5 (34)
The Funding Store logo
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License Verified:

License: 228206

Nationwide Multistate Licensing System and Registry

The Funding Store

380 Broadway, Saratoga Springs, NY 12866
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  • Refinance

Business Description

The Funding Store is a mortgage brokerage firm in Albany. It uses its network of lenders to help first-time and experienced homebuyers find the best mortgage program for their needs. Its home purchase loans include fixed-rate, Jumbo, FHA, VA, and investment property mortgages. The team also offers cash-out refinance to borrowers who want to lower their interest rates, consolidate debt, and gain equity for home improvements. Gardner Cummings, the firm's president, was a licensed real estate broker for over 17 years prior to joining the firm in 2010.

License Verified:

License: 228206

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
4.9 / 5 (121)
Facebook
5.0 / 5 (11)
Yelp
5.0 / 5 (4)

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 Place Inc. logo
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License Verified:

License: 872824

Nationwide Multistate Licensing System and Registry

The Mortgage Place Inc.

646 Plank Road, Suite 102, Clifton Park, NY 12065
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  • Refinance

Business Description

The Mortgage Place Inc. caters to individuals and families throughout Albany and the surrounding metros. The mortgage firm works closely with clients to determine their goals, needs, and financial strategies, whether they are purchasing or refinancing a home. Its team also discusses different mortgage programs in detail, helping clients select the most appropriate option for their particular requirements. These include conventional fixed- and adjustable rate mortgages, USDA, VA and VA Renovation, and reverse mortgages. The firm also offers commercial mortgage financing.

License Verified:

License: 872824

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 (22)
Facebook
4.7 / 5 (19)
Yelp
1.0 / 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
Valley Mortgage Company Inc. logo
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License Verified:

License: 5564

Nationwide Multistate Licensing System and Registry

Valley Mortgage Company Inc.

751 Warren Street Front, Hudson, NY 12534
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  • New Construction

Business Description

Valley Mortgage Company Inc. serves the people of Albany and the surrounding areas. It works with clients looking to buy a new house or an investment property, advising and guiding them through the loan purchasing and closing processes. The firm's loan officer assesses borrowers' personal information, such as employment history, income level, savings, and credit records, to recommend the most suitable mortgage option and payment terms for them. Valley Mortgage Company is affiliated with various organizations, including the National Association of Mortgage Brokers.

License Verified:

License: 5564

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

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
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Frequently Asked Questions

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.

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.

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.

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