Expertise.com

Best Mortgage Brokers in Baytown

2024

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Website
2200 E. NASA Pkwy. 130, Houston, TX 77058
  • New Construction
  • Refinance

Why choose this provider?

Republic State Mortgage serves homebuyers and refinancing customers in Baytown. Some of the loan programs it offers are jumbo, conventional, VA, FHA, and rural development loans. It also helps individuals get approved for renovation loans. It assists clients in choosing the right loan program by offering suggestions based on their specific needs. The mortgage company based in Houston strives to deliver top-notch customer service and establish long-lasting relationships with clients by leveraging its resources and industry expertise.

License Verified:

License: 62411

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 (85)
Facebook
5.0 / 5 (13)
Yelp
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
2770 North Farm to Market 565 Road, Mont Belvieu, TX 77523
  • Refinance
  • New Construction

Why choose this provider?

Guarantee Mortgage Company assists homebuyers in the Baytown area in securing a loan. It helps customers apply for and compare loan and mortgage options that meet their financial goals. The business also guides borrowers in refinancing their loans which would help lower their monthly payments and interest rates. Its mortgage advisors perform property evaluations and analyze options that meet its clients' needs. Guarantee Mortgage Company's loan officers have over 25 years of combined home lending experience.

License Verified:

License: 279696

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 (220)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
602 Sawyer Street, Suite 205, Houston, TX 77007
  • Refinance
  • New Construction

Why choose this provider?

Danny Tyroch, a mortgage officer for the Movement Mortgage, serves clients in Baytown who require mortgage brokers. He delivers fixed mortgages with terms of 15 to 30 years, as well as FHA-backed products for those who are building their credit scores. USDA options are available for farming industry players, and reverse mortgages are on hand for the elderly. The parent company was opened in 2008 and weathered that era's financial crisis. Its website has online resources to inform clients of contemporary rates.

License Verified:

License: 1572223

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
Zillow
5.0 / 5 (19)
Facebook
5.0 / 5 (1)

Website
4532 Pasadena Blvd Suite C, Pasadena, TX 77503
  • Refinance

Why choose this provider?

Capital Home Lending is a mortgage brokerage helping the residents of Baytown achieve their homeownership goals. It offers various mortgage loan options for purchasing or refinancing condominiums, townhouses, manufactured homes, and single-family and multi-family units. The home financing options include fixed-rate, adjustable-rate, and FHA. Capital Home Lending aims to empower people's lives through homeownership by providing them with mortgage loans that match their needs and financial resources. It has been in the mortgage business for more than 15 years.

License Verified:

License: 1823051

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 (108)
Facebook
5.0 / 5 (13)

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
2233 Yale Street, Houston, TX 77008
  • Refinance

Why choose this provider?

Texas Loan Star, Inc., caters to clients across Baytown and the surrounding areas. The company helps home buyers apply for mortgage loans, such as jumbo, conventional, VA, and FHA. It also carries renovation loan options for individuals wanting to upgrade or improve their residential properties while also meeting their budget. Mortgage refinancing services are also available for homeowners wishing to shorten their terms or lower their monthly payments. The company has more than over 50 years of experience in the lending industry.

License Verified:

License: 99250

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
4.8 / 5 (59)

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
17047 El Camino Real Suite 150, Houston, TX 77058
  • Commercial Loans

Why choose this provider?

Dave Your Mortgage Guy.com accommodates borrowers in Baytown who are seeking a variety of financial solutions. It provides fixed-rate, FHA, VA, USDA, jumbo, and first-time home buyer loans. The business also offers rehab programs for homeowners intending to renovate, as well as investment property for those who want funds for a vacation or a purchase. Dave Krichmar, the owner, started serving the industry in 2001 when he got his license at 19. He is assisted by two officers with a combined experience of over 20 years.

License Verified:

License: 229421

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
Facebook
4.9 / 5 (93)
Google
4.9 / 5 (78)

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
2515 B Nasa Pkwy, Suite 200, Seabrook, TX 77586
  • Refinance

Why choose this provider?

Lamar Lending has been serving clients across Baytown for over three years. The company addresses the individual's concerns regarding the mortgage application process and provides various options to help them acquire properties, including FHA and VA loans. It also offers a hybrid ARM, a program that combines the characteristics of an adjustable-rate mortgage with a fixed-rate loan. The company sets up other solutions, like the Home Affordable Refinance Program 2.0. Brandon Lamar, its founder and president, volunteers as a paramedic at the Kemah Fire Department.

License Verified:

License: 1858718

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
4.9 / 5 (86)

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
210 Odyssey Dr Suite A, Webster, TX 77598
  • Refinance

Why choose this provider?

Houston Mortgage delivers a variety of loan brokerage solutions to individuals and families in Baytown and nearby areas. It delivers jumbo options for the buyers of vacation homes and multi-family assets. Government-backed choices are on hand for military service veterans and rural property buyers. The team also has conventional programs with upper limits exceeding those of the FHA's selections. Houston Mortgage works with ProLending Mortgage and operates across six states, extending from Florida to California.

License Verified:

License: 262563

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)

Website
3104 Edloe Street, Suite 210, Houston, TX 77027
  • New Construction
  • Refinance

Why choose this provider?

ZeusLending.com delivers real estate financing solutions to clients in and around Baytown. Its lending specialists provide assistance to borrowers via phone, email, or in person. They work to simplify the borrowing and closing process for clients who want to achieve their homeownership dreams, personal financial goals, and investment plans. Some of the loan products available are FHA, VA, reversed, and cash-out refinance mortgages. ZeusLending.com has completed thousands of transactions in more than 15 years of operation.

License Verified:

License: 296097

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.
4.5

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
2700 Post Oak Blvd Floor 21, Houston, TX 77056
  • New Construction

Why choose this provider?

Boxwood Mortgage serves residential and commercial clients in the Baytown metro and nearby areas. It conducts personalized evaluations of clients' financial situations to determine a home loan program specific to their long-term goals and needs. It offers conventional loan programs with fixed rates and terms for purchase and refinance transactions of single-family homes. It also assists with FHA loans with terms of up to 30 years. Other products of Boxwood Mortgage include single rental and construction loans.

License Verified:

License: 1824674

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
4.8 / 5 (58)
Facebook
5.0 / 5 (38)

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
7702 FM 1960 Road E. Suite 300, Humble, TX 77346
  • Refinance

Why choose this provider?

Firehouse Mortgage provides brokering solutions to homebuyers in Baytown. It works with clients to find a home loan based on their needs. It also helps determine their interest rate based on perceived risks, amount of down payment, and credit score. The company offers VA, USDA, FHA, and conventional loan programs. In addition, it provides jumbo, homestyle renovation, and 30-year fixed-rate mortgages. Aaron Clark, a mortgage broker with the company, previously served in the United States Marine Corps and worked as a fire department captain.

License Verified:

License: 1775668

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
4.8 / 5 (44)
Facebook
5.0 / 5 (18)
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

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.