Expertise.com

2024

Last updated:

Best Mortgage Brokers in Garland

Our Recommended Top 17

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

74Reviewed

51Curated

17Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

25 Noble Court, Heath, TX 75032
WebsiteLicense: 824698

Expertise.com Rating

Review Sources

Zillow
5.0 (430)
Facebook
5.0 (4)

Why choose this provider?

William Branch is a mortgage professional dedicated to helping customers in Garland purchase their dream homes. He works through AmCap Home Loans to offer clients different residential loan products so they can achieve their financing goals. These options include conventional, jumbo, TVLB, FHA, USDA, and VA home loans. Mortgage loan programs for individuals who wish to use ITINs or bank statements are also available. William aims to simplify the mortgage process. He values communication and makes sure to promptly respond to clients' concerns regarding home loans.

  • New Construction

1900 Jay Ell Drive, Richardson, TX 75081
WebsiteLicense: 495120

Expertise.com Rating

Review Sources

Google
4.0 (65)
Facebook
4.0 (24)

Why choose this provider?

Gracie Morrow Mortgage Group is a full-service mortgage team that provides services in Garland and its surrounding areas. The team was established in 2012 and has helped more than 1000 clients with their financing and refinancing loans. It provides various loan options such as conforming, VA, FHA, jumbo, and USDA loans. Moreover, it provides different mortgage options such as reverse, adjustable-rate, and fixed-rate mortgages. Gracie Morrow Mortgage Group works under Thrive Mortgage, a mortgage broker firm established in 2001.

  • Refinance

8350 N Central Expy Suite 1900, Dallas, TX 75206

Expertise.com Rating

Review Sources

Google
4.9 (40)

Why choose this provider?

Best Suited Mortgage serves residents of Garland and the surrounding areas. It offers a variety of mortgage options to help individuals and families achieve homeownership. These include jumbo, conventional, and FHA home loans. Its staff guides people in choosing the right mortgage that meets their specific financial goals. It also offers assistance on each step of the home purchasing and refinancing process. The firm serves various types of clients, including first-time homebuyers, self-employed borrowers, and investors.

  • New Construction

6953 La Vista Drive, Dallas, TX 75214
WebsiteLicense: 318183

Expertise.com Rating

Review Sources

Google
4.9 (26)
Facebook
5.0 (2)

Why choose this provider?

Stonebriar Mortgage is a mortgage brokerage near Garland that counsels homebuyers and homeowners seeking residential financing and mortgage options. The firm was founded by Mike Owen in August 2001 after a successful career as a broker for Landmark Mortgage. Some of his loan programs include first-time homebuyer loans, government loans, conventional loans, jumbo loans, and residential loans for foreign nationals. The brokerage also provides bank statement services as well as home refinancing options.

  • New Construction
  • Refinance

375 Cedar Sage Drive, Garland, TX 75040
WebsiteLicense: 1749330

Expertise.com Rating

Review Sources

Google
4.0 (200)
Facebook
5.0 (44)

Why choose this provider?

Fairway Independent Mortgage – The Heritage Group serves clients in Garland and the neighboring communities. The agency offers mortgage products ranging from VA, FHA, and USDA rural loans to conventional, jumbo, and fixed-rate loans. It also provides mortgages for police officers and teachers through down payment assistance programs. Bond and grant programs are also available. The agency also assists clients who speak Spanish. The Heritage Group is part of Fairway Independent Mortgage Corporation. Its branch manager, Linda Davidson, has over two decades of finance industry experience.

  • Refinance
  • Purchase Transactions

4001 McEwen Rd. Ste 420, Dallas, TX 75244

Expertise.com Rating

Review Sources

Facebook
5.0 (162)

Why choose this provider?

The USA Mortgage Group offers its services to individuals and families throughout Garland and nearby communities. It provides conventional, FHA, and VA loan options for refinancing, equities, cash-outs, and funds for property purchases. To keep clients updated regarding the programs available, it utilizes live analytic tools that deliver notifications about increases, decreases, and other changes in the local area. Its staff has more than 50 years of combined experience and access to lenders throughout the country.

  • Refinance

2313 Ridge Road, Rockwall, TX 75087
WebsiteLicense: 207433

Expertise.com Rating

Review Sources

Google
5.0 (5)

Why choose this provider?

Jenay Bowen is a loan officer who runs her own team for Summit Funding Inc. and serves homeowners in Garland. She caters to first-time applicants and those planning to refinance. Jenay explains the mortgage process to her clients and guides them through each step, from pre-approvals to documentation and closing. She also compares the interest rates and monthly down payments of different programs, such as jumbo and FHA loans. Furthermore, she connects clients to Realtors so they can find a suitable house located in and around the city.

  • Refinance

6800 Weiskopf Avenue, McKinney, TX 75070
WebsiteLicense: 166487

Expertise.com Rating

Review Sources

Google
5.0 (170)
Yelp
3.0 (7)

Why choose this provider?

Service First Mortgage started as a mortgage brokerage firm in 1997. Having grown into a mortgage banking business, it originates and funds loans for clients in Garland. Particularly, it offers bridge loans, HomeReady loans, and pool escrows. It is also the goal of the company to help clients build informed financial habits by enriching their financial management knowledge. The company's vice president, John Donnelly, was recognized by the National Mortgage Professional Magazine as one of its 40 Most Influential Mortgage Professionals.

  • Multi-Family Loans

15301 Spectrum Dr., Suite 550, Addison, TX 75001

Expertise.com Rating

Review Sources

Google
4.2 (192)

Why choose this provider?

Founded in 1995, Country Place Mortgage offers loans for manufactured, modular, and mobile homes in and around Garland. As a full-service mortgage lender, the company helps customers choose from a wide selection of loan options depending on their specific needs. Products include conventional, Fannie Mae HARP FHA, USDA, and VA loans. It has the expertise to help customers navigate the challenging mortgage process, whether it's a chattel, land/home package, or new construction loan. Refinancing options are also available.

  • Refinance

1401 N. Central Expressway, Richardson, TX 75080

Expertise.com Rating

Review Sources

Google
5.0 (33)
Facebook
5.0 (12)

Why choose this provider?

Mercantile Mortgage is a firm that serves residential and commercial clients in Garland and its surrounding areas. It offers financing for condominiums, townhouses, and single-family homes. It helps clients understand closing costs and interest rates. In addition, its loans for manufactured homes increase the value of vacation areas, primary residences, and other properties. The company's brokers offer VA loans, which are appropriate for military veterans. Mercantile Mortgage is a member of the National Association of Mortgage Brokers.

  • New Construction
  • Refinance

3235 Homer St.214-774-4764, Dallas, TX 75206

Expertise.com Rating

Review Sources

Google
5.0 (42)

Why choose this provider?

Tatom Lending offers its services to clients in Garland and its nearby areas. It provides mortgage solutions and strives to educate homeowners, homebuyers, and home loan borrowers by supplying various options when purchasing a new home or refinancing an existing one. It handles different loan types such as fixed-rate loans, adjustable-rate loans, FHA loans, and VA loans. Owner Kirk Tatom, who began his mortgage career back in 2000, is a member of the National Association of Mortgage Brokers.

  • Refinance

18111 Preston Road #500, Dallas, TX 75252

Expertise.com Rating

Review Sources

Google
5.0 (116)
Zillow
5.0 (42)

Why choose this provider?

Serving in Garland and the surrounding areas, Rob Dessommes is a senior mortgage loan officer at PrimeLending. Since 1993, he has arranged mortgage loans for first-time homebuyers, investors, and homeowners looking to refinance their existing mortgages. His services are also available to those who are credit-challenged. His mortgage program offerings include conventional, jumbo, FHA, VA, and USDA loans. PrimeLending has been placed 6th on Mortgage Executive Magazine's Top 100 Mortgage Companies in America.

  • New Construction

3130 North Shiloh Road, Garland, TX 75044
WebsiteLicense: 1996720

Expertise.com Rating

Review Sources

Google
5.0 (99)
Facebook
5.0 (1)

Why choose this provider?

Loan Java is a company located in Garland that specializes in home purchase and refinance loans. It offers a wide range of loan programs for single and multi-family houses, manufactured homes, condominiums, and townhouses. Some of the loan programs available include VA, FHA, USDA, and jumbo home loans. Furthermore, it presents various mortgage rate options, including fixed-rate, interest-only, adjustable ARM, and graduated payment mortgages. Loan Java has been in the mortgage business for many years.

  • Refinance
  • Purchase Transactions

310 East I30, Garland, TX 75043
WebsiteLicense: 230028

Expertise.com Rating

Review Sources

Facebook
4.5 (34)
Google
4.0 (22)

Why choose this provider?

Not Your Average Lender provides mortgage loans to individuals in Garland and the surrounding areas. Its team helps clients find a suitable loan option that fits their home purchasing needs. They give customers a chance to choose fixed-rate loans with stable payments. In addition, the professionals at Not Your Average Lender cater to clients who are looking for reverse mortgages that offer benefits on flexible terms, such as monthly payments, lump-sum distribution, and credit lines for emergencies.

  • Refinance
  • Reverse Mortgages

500 North Central Expressway, Plano, TX 75074
WebsiteLicense: 1882848

Expertise.com Rating

Review Sources

Google
4.0 (12)

Why choose this provider?

Motto Mortgage is a mortgage broker that serves clients in Garland. It offers a wide range of mortgage loan options for homebuyers and homeowners, including fixed-rate mortgages, adjustable-rate mortgages, FHA loans, VA loans, and interest-only mortgages. It has also formed a partnership with the real estate firm Realty Preferred DFW, which shares its client-focused business model. Its experienced loan officers can speak Spanish, which allows them to serve the insurance needs of the Latinx market.

  • Commercial Loans
  • Multi-Family Loans

5 Horizon Court, Heath, TX 75032
WebsiteLicense: 257791

Expertise.com Rating

Review Sources

Google
4.0 (135)
Facebook
5.0 (4)

Why choose this provider?

Integrity Mortgage Corporation of Texas is a company that has been providing mortgage solutions in Garland and its surrounding areas since 1993. It was founded by Roger and Pam Bazzell who have over 50 years of combined experience in the industry. The company helps its clients find the right mortgage option and helps them throughout the loan process. One of its clients said that they had the easiest home buying experience because of Integrity Mortgage Corporation of Texas.

  • New Construction

14841 Dallas Pkwy, #250, Dallas, TX 75254

Expertise.com Rating

Why choose this provider?

Supreme Lending is a full-service mortgage firm that offers comprehensive mortgage solutions to clients in Garland and the surrounding communities. It has been in business since 1999 and helps its clients in owning their first homes as well as acquiring new lower monthly payments. The firm offers a variety of loans including FHA, VA, USDA, jumbo, and conventional loans. It also offers assistance with specialty loans like First Time Homebuyers, DACA, Educator Mortgage, and Give Back Program.

  • New Construction

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.