Expertise.com
2024

Last updated:

Best Mortgage Brokers in Denton

Our Recommended Top 7

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

38

Reviewed

25

Curated

7

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
211 Fort Worth Drive, Denton, TX 76201
  • Refinance

Why choose this provider?

Affiliated Mortgage Lending (NMLS #:1062212) is a Denton-based brokerage firm that caters to new homeowners and tenured residents of the city. It offers them home loans and refinancing options to cover their existing mortgage payments. It can also educate first-time customers about the different loan and rate options, such as reverse mortgages. To recommend suitable loans or rates, the firm reviews each client's financial information, such as new jobs or promotions. Affiliated Mortgage Lending also provides loans for commercial clients and business owners.

License Verified:

License: 1062212

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 (11)

Website
100 W Oak St Suite G-109, Denton, TX 76201
  • Refinance

Why choose this provider?

Loans with Wes Gregg is an office started by Denton-based independent mortgage broker Wes Gregg. He provides personalized mortgage solutions for individuals and families who dream of owning a home. He guides clients in the entire home loan process and educates them about the different loan programs available. Additionally, he performs refinance analysis. The different loan options offered are fixed and adjustable rates mortgage, FHA and USDA loans, term loans, jumbo and super jumbo loans, and conforming loans.

License Verified:

License: 1659140

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 (58)

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
3020 Corporate Court, Flower Mound, TX 75028
  • New Construction
  • Refinance

Why choose this provider?

J Philips Mortgage Inc. creates mortgage solutions for homebuyers in Denton. It has been in the mortgage business since 2007, providing clients with various home loan options that include conventional, conforming, jumbo, fixed-rate, and adjustable-rate mortgages. Additionally, the team offers financing opportunities through FHA, VA, and RHS loan programs. Company owner Judy Philips had worked in a mortgage firm for many years before starting her business. Her loan officers have an average of 10 years of industry experience.

License Verified:

License: 225604

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)
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
2442 Lillian Miller Parkway, Denton, TX 76205
  • Refinance

Why choose this provider?

Robert Tokarczyk is a mortgage broker who services clients in Denton and nearby areas. The business helps individuals in selecting the right mortgage loans with the best interest rates. Its team of brokers specializes in a variety of loan options such as FHA, VA, USDA, jumbo, and conventional. Clients can utilize the calculator tool on the company's website for comparative purposes. The company is led by Robert Tokarczyk, who has been working in the industry since 1992.

License Verified:

License: 258950

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 (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
13150 Coit Road, Dallas, TX 75240
  • New Construction
  • Refinance

Why choose this provider?

Southwest Funding provides home lending services to Denton and other surrounding metros. Since its establishment in 1993, it has funded over 50,000 loans. It helps homebuyers find the best mortgage solution that suits their unique situations, preferences, and financial backgrounds. The company handles document processing, underwriting, closing, and funding. Its loan programs include VA, USDA, FHA, jumbo, FNMA, and FHLMC. Southwest Funding also offers refinancing programs to homeowners who aim to lower their monthly mortgage payments.

License Verified:

License: 32139

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 (21)
Facebook
4.7 / 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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
2001 Lakeside Parkway, Flower Mound, TX 75028
  • Refinance
  • Purchase Transactions

Why choose this provider?

Pamella Sullivan is a Mortgage Financial Services residential loan originator serving clients throughout Denton. She offers the company's loan programs to first-time homebuyers and long-time homeowners who are looking to purchase or refinance. The loan options include jumbo, FHA, VA, jumbo, and fixed-rate loans. Pamela and her team of professionals assist clients throughout the entire loan process and have the skills and knowledge necessary to help customers find the loan program that matches their financial situations and needs.

License Verified:

License: 1415862

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 (550)
Facebook
5.0 / 5 (27)

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
8300 U.S. 380, Cross Roads, TX 76227
  • New Construction
  • Refinance

Why choose this provider?

Efinity Mortgage is a mortgage broker that serves clients from Denton. The firm offers a wide range of loan options for those looking for purchase, refinance, or specialized loans. It includes home equity, construction, and jumbo. Conventional fixed-rate, reverse, FHA, and VA mortgage loans are also offered. Its team of loan officers is committed to helping clients with their mortgage financing needs. Efinity Mortgage has a mortgage calculator that clients can readily access on the website.

License Verified:

License: 1043983

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 (22)
Facebook
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

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.