Expertise.com

Best Mortgage Brokers in College Station

2024

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Providers

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Website
1716 Briarcrest Drive, Suite 300, Bryan, TX 77802
  • New Construction

Why choose this provider?

Texas Liberty Mortgage is a locally owned company that serves borrowers in College Station. It offers FHA, conventional, home equity, and first-time homebuyer loans. It also has closing cost assistance, five percent down, and no lender fees programs. FHA and conventional refinance are also available. Randal Stuart, a lifelong resident of the area, is the owner of the company and has 40 years of experience. He studied real estate and finance at East Texas Baptist University.

License Verified:

License: 358636

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 (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
4438 State Hwy 6 S #501, College Station, TX 77845
  • Refinance
  • New Construction

Why choose this provider?

Cary Tennis serves College Station residents, recommending a range of loan options for those seeking to acquire properties, from FHA to VA loans to conventional and jumbo mortgages. She also offers the Texas Vet Loan, a program that enables current or former existing U.S. military members to access retirement home financing options. Tennis helps clients calculate their mortgage payments as part of her work. She received the Entrepreneur of the Year award in 2009 from the North Eastern Entrepreneur Roundtable.

License Verified:

License: 1184587

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 (100)
Facebook
5.0 / 5 (39)

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
6744 Victoria Ave, College Station, TX 77845
  • Refinance
  • New Construction

Why choose this provider?

Guarantee Mortgage Company caters to clients throughout the College Station metro. The company provides loan options guaranteed by federal agencies like the VA and USDA for aspiring homeowners. It also helps investors acquire properties through the Debt-Service Coverage Ratio program, a solution that allows clients to qualify based on a building's forecasted monthly rental income. The company offers other solutions, including conventional and jumbo mortgages. For homeowners seeking to refinance their loans, the company also provides assistance.

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 (255)
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
2700 Earl Rudder Freeway S, Suite 1525, College Station, TX 77845
  • Refinance

Why choose this provider?

Wallick & Volk resolves the mortgage matters of clients across College Station and the neighboring areas. The company serves homebuyers seeking mortgage loan programs suitable for their needs. Its team offers them FHA, VA, jumbo, conventional, and rural development loans. It also guides them in choosing adjustable or fixed mortgage rates that fit their budget and goals. Mortgage refinancing and renovation loan application services are also available. Wallick & Volk also extends its services to California, Arizona, New Mexico, Wyoming, Idaho, and Tennessee.

License Verified:

License: 259478

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
4.6 / 5 (33)
Zillow
5.0 / 5 (29)

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.