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2024

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Best Mortgage Brokers in Warwick, RI

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

32Reviewed

24Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

94 Main Street, Wakefield, RI 02879
WebsiteLicense: 3915

Expertise.com Rating

Review Sources

Google
4.4 (20)
Facebook
5.0 (6)

Why choose this provider?

Atlantic Mortgage & Finance Corporation caters to clients in Warwick and the surrounding cities. The company aims to help individuals apply for loan programs to purchase or renovate homes suitable for their family, lifestyle, and budget. These loan programs include VA, USDA, reverse, and 200k renovation. It also offers loans with zero down payment for clients with over 620 credit scores who wish to purchase single-family homes or FHA-approved condominium units. The company is licensed to operate in six states.

  • Refinance

175 Metro Center Blvd, Warwick, RI 02886
WebsiteLicense: 2488

Expertise.com Rating

Review Sources

Google
5.0 (23)
Zillow
5.0 (9)
Facebook
5.0 (5)

Why choose this provider?

The Mortgage Corner of New England caters to homebuyers and investors in and around Warwick. Its team assists clients in filing loan applications to help them acquire their dream investment properties. The company provides a wide selection of mortgage programs, including FHA, VA, jumbo, adjustable-rate, and conventional fixed-rate loans. It also offers refinancing solutions to reduce borrowers' interest rates and monthly payments. The firm's mortgage brokers, Jeffrey Desrosiers and Thomas Foley, bring over seven decades of combined industry experience.

  • Refinance
  • New Construction

2220 Plainfield Pike #213, Cranston, RI 02921
WebsiteLicense: 1787

Expertise.com Rating

Review Sources

Facebook
5.0 (54)
Google
5.0 (28)
Zillow
5.0 (6)

Why choose this provider?

Advanced Mortgage Corp. caters to the home financing needs of clients in Warwick and nearby areas. It offers various mortgage loan options, including rehab, down payment assistance, and investment property programs. In addition, the brokerage helps clients lower interest rates and alter mortgage terms through refinancing. Advanced Mortgage considers clients' individual goals and needs when providing customized real estate financing services. It strives to improve people's lives by helping them achieve their dream of home ownership.

  • Multi-Family Loans

220 Smith St., Providence, RI 02908
WebsiteLicense: 4661

Expertise.com Rating

Review Sources

Zillow
5.0 (34)
Facebook
5.0 (14)

Why choose this provider?

Chas Adams, who is licensed in Massachusetts, Rhode Island, and Connecticut, assists the mortgage needs of homebuyers in the Warwick metro. The mortgage originator caters to different types of clients, covering first-time homebuyers, investors, and veterans. He also offers loans for physicians looking to purchase condos, single-family residences, or owner-occupied homes. USDA, FHA, jumbo, and conventional loans are the other programs he provides. Chas has two decades of experience in helping individuals fund their real estate purchases.

  • New Construction

21 Trafford Park Dr, Coventry, RI 02816
WebsiteLicense: 1892952

Expertise.com Rating

Review Sources

Google
5.0 (22)
Facebook
5.0 (18)

Why choose this provider?

Jonathan Boukarim is a mortgage loan officer of the Barret Financial Group who serves borrowers in Warwick. He offers conventional, FHA, VA, jumbo, USDA, and fixed-rate loans. The agent also assists homeowners who want to improve their financial standing through refinancing and reverse mortgages. Additionally, Boukarim helps first-time buyers get through the pre-approval process, providing regular updates along the way. He aims to make the application process easier by combining old-fashioned methods with the latest online tools.

  • Refinance
  • New Construction

220 Smith Street, Providence, RI 02908
WebsiteLicense: 2340

Expertise.com Rating

Review Sources

Yelp
4.9 (27)
Facebook
5.0 (1)

Why choose this provider?

Homestar Mortgage serves the home and property financing needs of clients in Warwick. It offers various mortgage programs for first-time homeowners and real estate investors, including 203k, rural development, and high net worth loans. Stephen Tetzner, the founding partner, has over 25 years of mortgage experience and has closed over $1.6 billion in total mortgage volume. Homestar Mortgage is both a broker and a banker, allowing it to control the mortgage transaction in a way that meets the needs and financial resources of its clients.

  • Refinance

421 Elmwood Ave., Providence, RI 02907
WebsiteLicense: 1553939

Expertise.com Rating

Review Sources

Yelp
4.0 (18)
Google
5.0 (9)
Facebook
5.0 (2)

Why choose this provider?

Helping Hands Community Partners works with clients across Warwick. The organization has experience assisting first-time homebuyers or real estate investors through the mortgage application process. It provides the K.E.Y.S. to Homeownership program, a personalized assessment of the client's financial situation that uses a non-confrontational approach to help them understand their homeownership status. The organization offers mortgage solutions backed by government agencies like the VA and FHA. Cliff Morin, one of its co-founders, has a background in the insurance industry and worked for the firm Allstate.

  • New Construction
  • Refinance

16 Main Street, Suite 200, East Greenwich, RI 02818
WebsiteLicense: 1854693

Expertise.com Rating

Why choose this provider?

Executive Financial Group offers an array of mortgage services in the Warwick metro. It caters to individuals and families who want to acquire residential properties. The company processes various mortgage programs, such as fixed- and adjustable-rate, super jumbo, conforming, USDA, FHA, and VA loans. Its team also helps borrowers create refinancing solutions to reduce their interest rates and change mortgage terms. The agency's sales director, PJ Byron, has been in the industry for over 25 years.

  • Refinance
  • New Construction

2740 Pawtucket Avenue, East Providence, RI 02914
WebsiteLicense: 2934

Expertise.com Rating

Review Sources

Facebook
5.0 (12)
Google
5.0 (8)

Why choose this provider?

Capital City Financial Corporation is open to loaning applications and concerns from prospective borrowers and refinancers in Warwick. Its loan officers work in a consultative manner by informing clients of their requirements and available options, ranging from cash-out refinances to HARP mortgages. They canvass local interest rates, observe marketing changes, and scrutinize each applicant's income capabilities and outstanding debts. The firm also contributes to the community by supporting foundations like the Dana Farber Cancer Institute and The Jimmy Fund.

  • Refinance

1 Lonsdale Avenue, Pawtucket, RI 02860
WebsiteLicense: 2471

Expertise.com Rating

Review Sources

Google
4.9 (112)
Facebook
4.9 (46)

Why choose this provider?

Anchor Financial Mortgage Incorporated has been helping residents in Warwick and nearby locations fund home purchases since 2000. Whether clients are looking to buy a condo, townhouse, or multi-family home, it assists them throughout the home loan process. HARP 2.0, interest-only, and balloon mortgages are some of the programs it offers. The company also provides funding assistance for seniors, veterans, and clients who need down payment assistance. Anchor Financial Mortgage serves several states, covering Florida, New York, and Connecticut.

  • Commercial Loans

647 Oaklawn Ave., 1st and 2nd Floor, Cranston, RI 02920
WebsiteLicense: 305552

Expertise.com Rating

Review Sources

Google
4.9 (341)
Facebook
4.6 (56)

Why choose this provider?

Primary Residential Mortgage, Inc., (PRMI) provides home financing solutions for individuals in Warwick. Its team helps clients select mortgages suitable for their unique needs. Some of the programs it offers are conventional, rural housing, and jumbo loans. It also assists clients along the process of applying for FHA 203(k) and down payment assistance loans. PRMI provides funding assistance in numerous states, including Connecticut, Maryland, and Pennsylvania. One of its branch managers, Sean Zierak, worked as a senior loan officer for another company for years before joining PRMI.

  • Refinance

108 Phenix Avenue, Cranston, RI 02920
WebsiteLicense: 2485

Expertise.com Rating

Review Sources

Google
4.7 (12)

Why choose this provider?

Best Financial Mortgage Services helps families in Warwick find their dream homes through various loan options. It offers a selection of programs for homebuyers, including FHA and USDA loans, as well as VA cash-out refinancing. It also provides investment property financing options. Anna Kaian, the president of the company, has over 18 years of mortgage experience. She aims to make the process of getting a loan as stress-free as possible by matching borrowers with the right products.

  • Refinance
  • New Construction

225 Dupont Drive, Providence, RI 02907
WebsiteLicense: 1053

Expertise.com Rating

Review Sources

Zillow
4.8 (1512)
Google
4.3 (119)

Why choose this provider?

Semper Home Loans is a national mortgage lender serving Warwick. It caters to the funding needs of new homes, renovation projects, and delinquent mortgages. Its loan options include conventional, fixed-rate, adjustable-rate, 203k, HARP, and government-insured programs. The company strives to provide customized solutions for clients from different demographics. It streamlines the mortgage process by eliminating extraneous steps and focusing on homebuyers' consultation and education. Semper Home Loans has an online portal that provides real-time application updates and learning materials for Realtors and borrowers.

  • Refinance

Compare our Top Mortgage Brokers

NameExpertise RatingAddressPromotionsLearn more
Atlantic Mortgage & Finance Corporation
94 Main Street, Wakefield, RI 02879
The Mortgage Corner of New England
175 Metro Center Blvd, Warwick, RI 02886
Advanced Mortgage Corp.
2220 Plainfield Pike #213, Cranston, RI 02921
Chas Adams
220 Smith St., Providence, RI 02908
Jonathan Boukarim
21 Trafford Park Dr, Coventry, RI 02816
Homestar Mortgage
220 Smith Street, Providence, RI 02908
Helping Hands Community Partners
421 Elmwood Ave., Providence, RI 02907
Executive Financial Group
16 Main Street, Suite 200, East Greenwich, RI 02818
Capital City Financial Corporation
2740 Pawtucket Avenue, East Providence, RI 02914
Anchor Financial Mortgage Incorporated
1 Lonsdale Avenue, Pawtucket, RI 02860
Primary Residential Mortgage, Inc.
647 Oaklawn Ave., 1st and 2nd Floor, Cranston, RI 02920
Best Financial Mortgage Services
108 Phenix Avenue, Cranston, RI 02920
Semper Home Loans
225 Dupont Drive, Providence, RI 02907

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.