Expertise.com
2024

Last updated:

Best Mortgage Brokers in Buffalo

Our Recommended Top 11

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 Buffalo Mortgage Brokers on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

76

Reviewed

50

Curated

11

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
416 Oliver Street, North Tonawanda, NY 14120
  • Refinance

Why choose this provider?

Cross State Funding is a mortgage broker operating in Buffalo. Its loan originators assist clients with the reverse mortgage, home purchase, and refinancing processes. It offers different home loan programs, which include HomePath, USDA, FHA, VA, and jumbo loans. The loan officers have other mortgage refinancing options, such as HARP and HELOC. They also use a digital pricing engine and a loan eligibility engine. Additionally, Cross State Funding is licensed in two other states: California and Florida.

License Verified:

License: A005800

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.
2.4
Facebook
4.9 / 5 (20)

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
27 North Long Street, Buffalo, NY 14221
  • Refinance

Why choose this provider?

Banas Mortgage Co., Ltd. is a mortgage brokerage that serves clients in Buffalo. Owner and broker Paul Banas has been in the industry for over 30 years. He works with clients planning on purchasing, refinancing, or building a home by providing them with loan program options, including residential home, new construction, FHA, and VA loans. Banas and his team also handle investment and commercial mortgage and debt consolidation. Furthermore, Banas Mortgage works with various lenders to offers its clients a wide range of choices.

License Verified:

License: 46252

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.
3.0
Yelp
3.0 / 5 (2)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
5586 Main Street, Williamsville, NY 14221
  • Refinance

Why choose this provider?

Mainstream Funding Network, Inc., is a mortgage company serving individuals in the Buffalo metro. Established in 1991, it has been helping its clients obtain loan programs, such as cash-out refinances, jumbo mortgages, home equity lines of credit, finance closing costs, and debt consolidation mortgages. Its other loan services include mortgages despite prior bankruptcy, creative co-borrower concepts, and high-debt ratio mortgages. CEO Martin Hackford has been a part of the company since 1996. He is a member of the Western New York Association of Mortgage Brokers.

License Verified:

License: 77016

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 (41)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3460 Seneca Street, West Seneca, NY 14224
  • Refinance

Why choose this provider?

Nickel City Funding, Inc. is a mortgage broker serving clients in Buffalo. The company provides a wide range of mortgage loans including conventional, purchase, refinance, FHA, USDA, and VA types. It also offers state and local housing programs. Its team of brokers guides all types of customers, from home buyers to those who need debt consolidation. The company was founded in 2006 by Chris Vasallo, a mortgage broker who has more than 20 years of experience in the industry.

License Verified:

License: 1586

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
Yelp
5.0 / 5 (22)
Facebook
5.0 / 5 (7)

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
10 Sussex Lane, Lancaster, NY 14086
  • Alternative Income Documentation Loans

Why choose this provider?

Resources & Results Funding is a locally owned and locally operated mortgage broker firm serving Buffalo residents and its surrounding areas. The firm's local mortgage expert, Ron Fronckowiak, is a licensed mortgage professional who has extensive experience in all mortgage types -- conventional, FHA, USDA, VA, and construction. He serves both residential and commercial clients by assisting them in finding the best loan options that will fit their needs, whether these be buying their first home or looking for refinance.

License Verified:

License: 203520

Nationwide Multistate Licensing System and Registry

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
6000 Sheridan Drive, Buffalo, NY 14221
  • New Construction
  • Refinance

Why choose this provider?

1st Priority Mortgage, Inc., is a mortgage broker that serves clients from Buffalo and nearby areas. The business helps clients in finding the best mortgage loan options and interest rates available for them. Its team of experienced brokers is well-versed in handling loans of all types such as FHA, VA, USDA, fixed-rate, and adjustable-rate. The company has been providing its mortgage expertise to the community since 1986. It is currently led by Brooke L. Anderson Tompkins.

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.
5.0
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

Website
403 Main Street, Buffalo, NY 14203
  • Refinance

Why choose this provider?

Hunt Mortgage is a mortgage broker that serves clients in Buffalo. It offers a wide range of loan options for homebuyers and homeowners, such as fixed-rate mortgage loans, FHA home loans, specialty loans, jumbo loans, and VA loans. Its team of experienced mortgage consultants is committed to helping clients by streamlining the homebuying process and mortgage search using digital technology. Company president Linda Mallia leads a mortgage consultant team that includes Brian Feldman, Brian Thiel, and Deborah Wells. The company has been operating since 1984.

License Verified:

License: 37405

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 (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

Website
500 Pearl Street Suite 830, Buffalo, NY 14202
  • Multi-Family Loans

Why choose this provider?

Haus Capital Corp. serves the homeownership needs of clients in and around the Buffalo metro. The business offers a wide array of mortgage loans, including FHA 203K, USDA, and VA. It also provides different loan options such as conventional, investor, and commercial. The company's other solutions include portfolio lending. Its president and CEO, Sam DiPiano, has been serving in the mortgage industry since the early 2000s. Haus Capital has been in business for five years.

License Verified:

License: 1549644

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
Google
3.7 / 5 (15)
Facebook
5.0 / 5 (10)
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

Website
60 Main Street, Hamburg, NY 14075
  • Refinance

Why choose this provider?

Solutions Home Mortgage, Inc., is a full-service mortgage brokerage firm serving the Buffalo metro area and nearby localities. The firm assists individuals and families who wish to purchase a new home to seek the right mortgage loan akin to their needs. Its mortgage brokers represent third-party lenders that offer a variety of mortgage loan programs, including conventional loans, FHA home loans, VA mortgages, USDA, and reverse mortgages. Solutions Home Mortgage has been helping clients since 2002.

License Verified:

License: 53133

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)

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.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
1416 Sweet Home Road, Buffalo, NY 14228
  • Refinance

Why choose this provider?

Queen City Funding Inc. is an Amherst mortgage company that works with clients in the state of New York, including Buffalo. It specializes in residential mortgages such as adjustable rate loans and VA loans. The company works with several lenders so that clients can compare and contrast a wide variety of loan packages. It focuses on making sure that clients are educated about the mortgage products through its loan officers and client resources available on its website.

License Verified:

License: 52412

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
Yelp
5.0 / 5 (22)
Facebook
4.9 / 5 (11)

Website
1705 Hertel Avenue, Buffalo, NY 14216
  • Refinance

Why choose this provider?

Owned by Stu Fitzpatrick, C.R.E. Mortgaging, Inc. is a Buffalo-based mortgage loan company that holds extensive knowledge of the financing needs of the upstate New York area since 2000. The owner is a Brooklyn native with over 22 years of working experience as a Loan Officer. The company provides services that include refinancing a mortgage, buying a house, and cashing out home equity. Its focus is on helping clients find, apply, and get approved for loans that suit their specific needs.

License Verified:

License: 30925

Nationwide Multistate Licensing System and Registry

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.