Expertise.com

Best Mortgage Brokers in Dayton

2024

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Website
10 Fairway Drive, Springboro, OH 45066
  • Refinance
  • New Construction

Why choose this provider?

Franklin Mortgage Solutions is a mortgage broker that specializes in sourcing and crafting home loan programs and mortgage strategies for residents in the Dayton metro. The company is composed of NMLS-certified mortgage specialists with over 100 years of combined industry experience. It assists clients in securing home financing loans, government loans (FHA, VA, and USDA), jumbo home loans, and conventional home loans. Franklin Mortgage Solutions also has branches in Alabama, Arkansas, and Florida.

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.
4.2
Google
4.2 / 5 (27)
Facebook
3.7 / 5 (3)

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
8002 McEwen Road, Dayton, OH 45458
  • New Construction
  • Refinance

Why choose this provider?

Based in Dayton, BOE Mortgage is a division of the Bank of England that offers home loans for purchase and refinancing via conventional, FHA, VA, non-qualified mortgages, fixed-rate, and adjustable-rate mortgage options. Loan options for construction or renovation are also available. Its loan officers use local knowledge of the housing industry and mortgage regulations to help clients with services typical of large financial and lending institutions. Branch head Richard Barrick manages a team of seven loan and mortgage officers for local operations.

License Verified:

License: 18738

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.
4.4
Google
4.0 / 5 (10)
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
3017 Sudbury Drive, Kettering, OH 45420
  • Refinance
  • Reverse Mortgages

Why choose this provider?

Polaris Home Funding Corporation is a mortgage company that serves clients in and around Dayton. Its mortgage loan officers are experienced in guiding clients throughout the purchase process, helping them find the loan product that fits their needs. Clients can avail of conventional, FHA, VA, and jumbo loans as well as HECM and reverse mortgages. The company also offers home refinancing services, including cash-out refinancing. The company's mortgage experts are also licensed in multiple states.

License Verified:

License: 1328581

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
4.0 / 5 (115)
Facebook
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
8534 Yankee Street, Centerville, OH 45458
  • New Construction
  • Refinance

Why choose this provider?

Serving the Dayton metro, Shannon Ryan is a Caliber Home Loans, Inc., mortgage broker with a decade of experience in the industry. She provides loan program options that include FHA, VA, USDA, and conventional loans. The broker also aids her clients in finding a loan product that fits their preferences and financial situations. Moreover, she assists borrowers who plan to construct, purchase, renovate, or refinance a residential property. Ryan is also a Military Lending Outreach Professional and Certified Divorce Lending Professional.

License Verified:

License: 1166950

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 (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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
398 East Dayton-Yellow Springs Road, Fairborn, OH 45324
  • Refinance
  • Commercial Loans
  • Multi-Family Loans
  • Purchases

Why choose this provider?

Weber Bancorp, LLC, is a team of mortgage brokers and finance professionals serving Dayton and nearby areas. Its founder, Jennie Weber, has over 40 years of experience in mortgage lending and 25 years of experience in savings and loans in savings banks. This background helped her establish the company in 2002. The company is an Ohio licensed Equal Housing Opportunity mortgage broker and a member of the Fairborn, Ohio Chamber of Commerce. Some of its offerings are VA, FHA, and conventional loans.

License Verified:

License: 231007

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.
4.0
Google
4.0 / 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

Website
8044 Montgomery Road, Cincinnati, OH 45236
  • Refinance

Why choose this provider?

Sibcy Cline Mortgage Services, Inc., is a local mortgage financing company that attends to the needs of Dayton residents and neighboring localities. The firm assists individuals, families, and real estate investors in acquiring financial help for a residential property purchase through a home mortgage loan. Its mortgage brokers guide clients throughout the entire loan process, from pre-qualification to loan closing. The team delivers a variety of home loan options, such as conventional, FHA, VA, USDA, and Jumbo loans. The company is a certified Equal Housing Lender.

License Verified:

License: 140211

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 (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.
2.8
Responsiveness
Friendliness
Helpfulness
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Detail
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Website
4165 Little York Road, Dayton, OH 45414
  • Refinance

Why choose this provider?

C & G Mortgage is a full-service mortgage lending business serving borrowers in Dayton and surrounding areas. Since opening its doors in 1993, the company has been helping families find home loan programs that fit their goals and financial capabilities. The C & G team can guide clients throughout the loan process from fixed-rate and adjustable-rate mortgages to FHA and VA loans. They also assist people who need down payment assistance, first-time homebuyers, and poor credit borrowers.

License Verified:

License: 253261

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
4.0 / 5 (13)
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
513 Windsor Park Dr #C, Dayton, OH 45459
  • Commercial Loans
  • Multi-Family Loans

Why choose this provider?

Epoch Lending is a mortgage brokerage firm serving clients in the Dayton area. It is headed by Carlos Scarpero, who specializes in providing VA mortgage programs to veterans, service members, and select military spouses. He was certified by the Vetted VA program and trained with the Military Mortgage Bootcamp program to understand VA better. Epoch Lending works with 30 different insurance carriers to provide a variety of quotes that are customized to the needs to the client.

License Verified:

License: 1674385

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 (28)
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
10552 Success Lane, Dayton, OH 45458
  • New Construction

Why choose this provider?

Northern Mortgage is a company based in Dayton that has been in the business for two decades. This local mortgage company provides internal training for its employees and is regularly updated with the constant changes in federal and state laws and regulations. With 20 years of experience, Northern Mortgage's branch manager, William Hudson, has built a name in the real estate community. He has held various positions in the mortgage industry and has developed long-term relationships with his clients.

License Verified:

License: 1488349

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 (89)
Facebook
5.0 / 5 (19)
Yelp
5.0 / 5 (3)

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
81 Rhoads Center Drive, Dayton, OH 45458
  • Purchase Transactions

Why choose this provider?

Revolution Mortgage helps the residents of Dayton achieve their home financing goals. The company's loan officers walk clients through the mortgage process and provide home purchase or refinancing solutions. They also assist borrowers in the pre-qualification and loan application phases, offering application options online, over the phone, in person, or through a mobile app. Revolution Mortgage was founded by a team of all-male mortgage specialists. A former client praised its loan professionals for creating a seamless mortgage experience.

License Verified:

License: 1686046

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)
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
901 North Broadway Street, Lebanon, OH 45036
  • Refinance

Why choose this provider?

Western Ohio Mortgage Corporation is a mortgage firm that serves clients in Dayton. The company offers a wide range of loan options for homebuyers and homeowners, including reverse mortgage loans, USDA loans, mortgage refinancing, FHA home loans, and VA home loans. Vice president and senior loan officer Adam J. Rose leads a team of loan originators that includes Jo-Ellen Litmer, Teresa Rose, and Michael James Moore. Adam has been with Western Ohio Mortgage for four years.

License Verified:

License: 9601

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

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.