Expertise.com

2024

Last updated:

Best Mortgage Brokers in Salem

Our Recommended Top 14

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

51Reviewed

36Curated

14Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
3550 Liberty Road South, Salem, OR 97302
  • Refinance

Why choose this provider?

Pacific Residential Mortgage is a mortgage and lending company serving Salem and nearby areas. The business started in 2004 and was rated as one of the top 10 Portland-area businesses by the Portland Business Journal. Its loan products include reverse mortgage, conventional, FHA, VA, USDA, and jumbo loans. It features a mortgage calculator that helps clients minimize guesswork and find the best mortgage option. Pacific Residential Mortgage is licensed in over 34 states in the US.

License Verified:

License: 1477

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.
4.2
Google
4.0 / 5 (226)
Zillow
5.0 / 5 (29)
Yelp
5.0 / 5 (10)

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
2254 Wilmington Avenue Northwest, Salem, OR 97304
  • New Construction
  • Refinance

Why choose this provider?

Capitol Mortgage Company is a locally owned mortgage broker that serves clients in Salem. The company offers a variety of loan programs to homebuyers, homeowners, and real estate investors. These include conventional home, FHA, jumbo, VA home, USDA, and reverse mortgage loans. The loan consultants at this firm have been serving the Oregon communities since 1993. It has partnerships with several companies, including MannenBach Law Office, AmeriTitle, and Ticor Title.

License Verified:

License: 319032

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 (6)
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
528 Cottage St NE #1F, Salem, OR 97301
  • Refinance
  • Commercial Loans
  • Multi-Family Loans

Why choose this provider?

Established in 2007, Geneva Financial is a mortgage lending company that provides mortgage loans in Salem and the entire state of Arizona. Among the loans offered are conventional, FHA, VA, USDA, and refinance. Founded by Aaron VanTrojen, it focuses on its mortgage loan originators and support staff to ensure a quality customer experience. Geneva Financial's awards include Top Mortgage Employer 2021 and Best Mortgage Companies To Work For Large Companies 2021.

License Verified:

License: 42056

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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
5605 Inland Shores Way North, Keizer, OR 97303
  • New Construction
  • Refinance

Why choose this provider?

Jenni Worley is a professional loan officer that serves clients in Salem, Keizer, and the surrounding areas. Worley works with Movement Mortgage, assisting clients in understanding the mortgage and home buying process. Worley is experienced in home refinancing options that lower interest rates and monthly payments or tap into home equities for home renovation or debt consolidation. She also assists clients in availing loan programs such as FHA, conventional, renovation, VA, and jumbo.

License Verified:

License: 1794461

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 (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
1320 Edgewater Street Northwest, Salem, OR 97304
  • New Construction
  • Refinance

Why choose this provider?

Envoy Mortgage is a full-service mortgage brokerage company assisting homebuyers in Salem. The firm provides a variety of mortgage loan options for purchasing purposes, such as fixed-rate, adjustable-rate, VA, USDA, FHA, and construction loans. Its independent mortgage brokers also handle Jumbo, renovation, and non-agency loans. The team also assists clients who wish to change their current mortgage plan through refinancing. Previously known as First Houston Mortgage, the company has been operating since 1997. Currently, the firm is licensed to operate in 47 states.

License Verified:

License: 6666

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.
4.2
Facebook
4.0 / 5 (99)
Google
5.0 / 5 (22)

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
110 Wallace Road Northwest, Salem, OR 97304
  • Reverse Mortgages

Why choose this provider?

Lighthouse Financial Enterprises, Inc., is a full-service mortgage company that serves residents around the Salem area. The firm aims to assist homeowners in finding and securing mortgage plans and solutions that are most suitable to their specific needs, goals, and financial status. Some of the loan programs it offers are conventional and jumbo loans, as well as construction loans for clients looking into building their homes from the ground up. Lighthouse Financial Enterprises also provides refinancing assistance.

License Verified:

License: 1114314

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.
4.3
Google
4.0 / 5 (20)
Facebook
5.0 / 5 (7)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2925 River Road South, Salem, OR 97302
  • Refinance

Why choose this provider?

Mann Mortgage is a family-owned company founded in 1989. Its team of loan officers specializes in various loan options to help clients in Salem receive funds to purchase, renovate, or build their homes. These include construction loan programs made for clients who want to construct their residential properties and gain access to cloud-based construction software. The business also assists individuals who are needing renovation, conventional, jumbo, reverse, and USDA RA loan programs. Additionally, the company's senior loan officer, Naida Paris, has been in the industry for 25 years.

License Verified:

License: 2550

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 (46)
Yelp
3.5 / 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
385 Northwest Harrison Boulevard, Corvallis, OR 97330
  • Refinance

Why choose this provider?

Knight Financial Home Loans is a division of the American Pacific Mortgage Corporation. The full-service residential mortgage firm is committed to a client-focused and proactive approach when serving clients in Salem. Its mortgage advisors and loan officers assist clients with the application process. They also work with professionals and experts from the investment, legal, and tax fields to help clients achieve their financial goals. Additionally, Knight Financial Home Loans is licensed to operate in California, Washington, Nevada, and Idaho.

License Verified:

License: 1850

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 (73)
Zillow
5.0 / 5 (58)
Yelp
5.0 / 5 (8)

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
1255 Lee Street Southeast, Salem, OR 97302
  • Refinance

Why choose this provider?

Landmark Professional Mortgage Company is a home loan business located in Salem. Mortgage underwriting and processing are done in-house, allowing its team to assist clients from beginning to closing, whether they are refinancing outstanding loans or purchasing homes for the first time. Landmark Professional Mortgage Company was founded in 2011 by Cindy Cowley and David Hafner, who both ran mortgage companies that each had over two decades of experience. Their current business also has offices in Bend, Dallas, and Albany.

License Verified:

License: ML-5038

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
5.0 / 5 (7)
Yelp
4.5 / 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
1820 Commercial Street Southeast, Salem, OR 97302
  • Refinance
  • Purchase Transactions

Why choose this provider?

The Schulz Team is a full-service mortgage lender serving the Salem metro and its surrounding communities. It provides a broad range of loan products and programs to help individuals and families finance new homes. It offers USDA home loans, FHA home loans, home equity conversion mortgage, as well as home renovation and improvement loans. The company also supplies refinancing solutions, including VA streamline refinance, jumbo loan, and FHA refinances. It has received the customer service award from Smart Business Magazine.

License Verified:

License: 291601

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 (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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
960 Liberty Street Southeast, Salem, OR 97302
  • Refinance

Why choose this provider?

Tracy Belle is a professional sales manager attending to the financial needs of Salem and surrounding areas. She is a divorce lending professional helping divorcing clients in the settlement process to obtain mortgage financing. Belle also caters to other concerns such as home purchase, refinance, and new construction. Her scope even covers fixed-rate mortgages, ARM loans, VA loans, and FHA loans. She is a part of the National Divorce Lending Association and Home Builders Association.

License Verified:

License: 268399

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)
Zillow
5.0 / 5 (4)
Yelp
5.0 / 5 (1)

Website
1761 Liberty Street Southeast, Salem, OR 97302
  • New Construction
  • Refinance

Why choose this provider?

Mortgage First Corporation is a family-owned brokerage offering a wide range of home loan solutions in Salem since 1989. Its team of professionals guides its clients about the differences between each loan program, such as fixed-rate and adjustable-rate mortgages and jumbo, USDA, FHA, and VA loans. Mortgage First Corporation has over 30 years of experience in the industry. It is committed to helping individuals and families purchase new homes by providing them with the financing solution that fits their requirements.

License Verified:

License: 100

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.
4.2
Google
4.0 / 5 (149)
Facebook
5.0 / 5 (23)
Yelp
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
471 Lancaster Drive Northeast, Salem, OR 97301
  • Refinance
  • Commercial Loans

Why choose this provider?

American Pacific Mortgage provides financing options for first-time home buyers, refinance clients, and investors in Salem and the surrounding communities. This mortgage brokerage firm offers an array of home loan options, including conventional, reverse, FHA, USDA, and jumbo loans. Additionally, it also has loan options for active-duty service members, veterans, and surviving spouses. American Pacific Mortgage has almost 200 branches across the country and employs more than 1,400 loan advisors.

License Verified:

License: 1118486

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 (59)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2195 Hyacinth Street Northeast, Salem, OR 97301
  • Refinance
  • Purchase Transactions

Why choose this provider?

Mighty Mortgage Home Loans is a locally owned independent brokerage that has been providing its services to clients in Salem and the surrounding areas for more than 30 years. It specializes in providing Oregon home loans exclusively to qualified borrowers. Some of its programs include conventional, buyer ready, jumbo, home possible, USDA, and FHA loans. Moreover, it offers mortgage loans to veterans. It also gives information about the programs available to its clients through telephone and online presentations.

License Verified:

License: 1830524

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 (7)
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

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.