Expertise.com

2024

Last updated:

Best Mortgage Brokers in Amherst

Our Recommended Top 13

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Amherst Mortgage Brokers on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

43Reviewed

31Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1674 Empire Boulevard, Amherst, NY 14580
WebsiteLicense: 44812

Expertise.com Rating

Review Sources

Google
4.0 (9)
Facebook
5.0 (3)

Why choose this provider?

Located in Rochester, Preferred Mortgage Corporation of New York is a full-service mortgage brokerage company that has been serving clients in and around Amherst since 1992. It specializes in a variety of residential loan programs, including conventional, FHA, VA, USDA, and jumbo loans. It also provides mortgage refinancing options that enable the clients to lower monthly payments, tap into home equity, and change loan type. In addition, its team of loan advisors has over 50 years of combined mortgage experience.

  • Refinance
  • Reverse Mortgages

416 Oliver Street, North Tonawanda, NY 14120
WebsiteLicense: 98185

Expertise.com Rating

Review Sources

Facebook
4.0 (28)
Google
4.0 (17)

Why choose this provider?

Cross State Funding is a mortgage broker that serves clients in Amherst. It offers a variety of mortgage loan options for homebuyers and homeowners, including jumbo, mortgage refinancing, FHA, VA, and USDA home loans. The company also uses a digital marketplace to access information from banks, investors, and mortgage lenders that helps in delivering loan programs that suit the specific needs of clients. Cross State Funding is also licensed to operate in Florida and California.

  • Refinance

5586 Main Street, Williamsville, NY 14221
WebsiteLicense: 77016

Expertise.com Rating

Review Sources

Google
4.0 (41)
Facebook
5.0 (15)

Why choose this provider?

Mainstream Funding Network, Inc., a mortgage brokerage firm founded in 1991, serves clients throughout the Greater Amherst metro area. It handles all kinds of credit for home equity, refinances, and purchases. Some of its mortgage programs include debt consolidation, purchase money mortgages, 1st-time homebuyers, cash-out refinance, jumbo, and reverse mortgages. The professionals at this company are knowledgeable in all aspects of the mortgage process and assist clients from application to closing. CEO Martin E. Hackford has been in the mortgage industry for 30 years.

  • Refinance

5495 Main Street, Williamsville, NY 14221
WebsiteLicense: 179946

Expertise.com Rating

Review Sources

Google
5.0 (4)
Facebook
5.0 (1)

Why choose this provider?

Julie Wilde is a loan officer at Movement Mortgage who handles the mortgage needs of clients in the Amherst area. She offers a wide range of home purchasing loans, including conventional, FHA, condo, USDA, and VA loans. In addition, she deals with HomeReady, new construction, renovation, and high-balance loans. Wilde also provides refinancing solutions, such as cash-out refinance, renovation refinance, and streamline refinance loans. Moreover, her website has different calculators to help clients analyze their loans.

  • New Construction
  • Refinance

403 Main Street, Buffalo, NY 14203
WebsiteLicense: 37405

Expertise.com Rating

Review Sources

Google
4.0 (170)
Facebook
4.0 (25)

Why choose this provider?

Hunt Mortgage is a mortgage broker that serves clients in Amherst and nearby areas. The firm offers a wide range of home loan options, including FHA, VA, fixed-rate, jumbo, and specialty. Low down payment purchase options and a pre-purchase commitment program are also offered. Its team of experienced brokers uses industry-standard digital technology to make its services more efficient for customers. The team guides clients in the entire process, from mortgage underwriting to loan closing.

  • Multi-Family Loans

1780 Wehrle Drive, Williamsville, NY 14221
WebsiteLicense: 51407

Expertise.com Rating

Review Sources

Google
5.0 (8)

Why choose this provider?

Founded in 1976, Paragon Home Loans offers mortgage loans to first-time homebuyers and experienced buyers in Amherst and the surrounding areas. For homebuyers, the company compares mortgage loans from different lenders. Additionally, the company also offers to refinance a client's existing mortgage. It provides conventional loans, USDA loans, FHA loans, HomeReady loans, 203(k) renovation loans, and VA loans for clients with military backgrounds. In addition to its eight locations in the state, Paragon Home Loans also offer their services in Pennsylvania.

  • Refinance

60 Main Street, Hamburg, NY 14075
WebsiteLicense: 53133

Expertise.com Rating

Review Sources

Google
4.0 (18)
Facebook
5.0 (11)

Why choose this provider?

Solutions Home Mortgage is a Hamburg-based mortgage broker established in 2002. Its services have expanded to Amherst and surrounding areas. Composed of loan officers each with more than 20 years of experience, the company provides home purchasing and refinancing services to clients. It connects borrowers and lenders, crafting tailored plans that suit the customers' needs. Owner Mark Decarlo is a finance degree holder and currently serves as a town supervisor for writing mortgages.

  • New Construction
  • Refinance

1416 Sweet Home Road, Buffalo, NY 14228
WebsiteLicense: 52412

Expertise.com Rating

Review Sources

Google
4.0 (38)
Facebook
5.0 (7)

Why choose this provider?

For 14 years, Queen City Funding, Inc. has been specializing in residential mortgages in Amherst, New York. The business provides services for their client's mortgage needs such as VA, FHA, fixed-rate, and adjustable-rate loans. Its team of skilled and trained loan consultants works with multiple lenders to help clients find suitable rates and terms. Queen City Funding, Inc. is a registered New York mortgage company. Its previous clients were happy with its friendly and helpful team.

  • New Construction
  • Refinance

500 Pearl Street, Buffalo, NY 14202
WebsiteLicense: 2017200

Expertise.com Rating

Review Sources

Google
4.0 (36)
Facebook
5.0 (10)

Why choose this provider?

Haus Capital Corporation is a mortgage brokerage providing its services to individuals in Amherst. It offers mortgage products such as conventional loans, commercial loans, investor loans, FHA 203k and FHA, and VA home loans. Its investor loans are available at fixed or adjustable rates and can be a 30-year term. Sam DiPiano, the president and CEO of Haus Capital Corporation, officially established the company in 2017. He started his career in the mortgage industry in the early 2000s.

  • Commercial Loans

4498 Main Street, Amherst, NY 14226
WebsiteLicense: 12021

Expertise.com Rating

Review Sources

Facebook
5.0 (31)
Google
5.0 (5)
Yelp
3.0 (2)

Why choose this provider?

LW Integrity Funding LLC has been catering to the mortgage needs of Amherst and surrounding places since 2005. The locally owned business is focused on home loans such as FHA loans, VA loans, and USDA loans. It also deals with pre-approvals purchases, refinancing for first-time homebuyer programs, and conventional mortgages. LW Integrity Funding matches the needs of the client to the right mortgage or loan they need. Bobbie Lindner and Jeanne Wiles founded the business to offer complete mortgage brokerage services.

  • New Construction
  • Refinance

4421 Transit Road, Buffalo, NY 14221
WebsiteLicense: 3254

Expertise.com Rating

Review Sources

Facebook
5.0 (126)
Google
4.0 (65)
Yelp
2.5 (3)

Why choose this provider?

Premium Mortgage Corporation is a privately held residential mortgage banking firm that serves clients in Amherst. It offers a variety of mortgage loan programs for homebuyers and homeowners, including conventional, FHA, USDA, and VA home loans. Founder Michael T. Donoghue, who also serves as president and CEO, has worked in the mortgage lending and real estate industries for more than 25 years. In addition, he provides title insurance and abstract services through his company, ABAR Abstract.

  • New Construction
  • Refinance

3960 Harlem Road, Snyder, NY 14226
WebsiteLicense: 58153

Expertise.com Rating

Review Sources

Google
4.0 (63)

Why choose this provider?

OwnersChoice Funding is a mortgage brokerage firm that provides a wide range of lending options to the Amherst metro. It offers both government-sponsored and conventional loans, including fixed-rate loans with terms of 10, 20, and 30 years, FHA, adjustable-rate mortgages, USDA, and VA loans. OwnersChoice Funding was established in 1987 exclusively for credit unions and their members. Over the years, it has expanded its services to include other types of clients in the mortgage market.

  • Multi-Family Loans

3460 Seneca Street, West Seneca, NY 14224
WebsiteLicense: 1586

Expertise.com Rating

Review Sources

Google
4.0 (35)
Facebook
5.0 (19)

Why choose this provider?

Nickel City Funding is a mortgage broker serving the Amherst metro. It has over 20 years of experience helping individuals find and access a broad range of mortgage loan options, including FHA, VA, USDA, and conventional loans. It also caters to homeowners looking to refinance their current mortgages. Its loan officers provide one-on-one services to clients and guide them throughout the entire loan application process. Its president, Chris Vassallo, is a top-producer in loan originations and contributes his expertise in various mortgage lending publications.

  • Refinance

FAQs

  • 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.