Expertise.com

2024

Last updated:

Best Mortgage Brokers in San Angelo

Our Recommended Top 6

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

30Reviewed

20Curated

6Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
115 S. Washington St., San Angelo, TX 76901
  • Refinance

Why choose this provider?

Karah Bowles is a mortgage consultant who offers her services and plans to clients of HomeTown Lenders in San Angelo. She combines her background as a banker with her knowledge of various mortgage-related processes to help clients identify options that suit their financial means and goals for property purchases. Her programs, which include VA, FHA, and USDA loans, utilize comprehensive data involving local property values and marketing conditions. Bowles also uses HomeTown Lenders' proprietary software to expedite submissions and loan processing operations for applicants.

License Verified:

License: 1147308

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 (9)

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
2145 Office Park Dr., San Angelo, TX 76904
  • Refinance

Why choose this provider?

Reagan Everett helps with the mortgage needs of customers in San Angelo and the surrounding areas. He works as a branch manager at Guild Mortgage Company, a mortgage brokerage firm that has been in business for more than six decades. He offers a variety of mortgage programs, including FHA, VA, jumbo, conventional, renovation, and bridge home loans. He also assists clients in selecting the refinance program that meets their needs. Reagan has been in the real estate industry since 1986.

License Verified:

License: 479232

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 (25)

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
3421 Johnson St, San Angelo, TX 76904
  • Refinance

Why choose this provider?

Levi Calhoun is a branch manager of Geneva Financial who serves the mortgage needs of individuals and families in and around the San Angelo metro. He and his team offer a wide variety of loan products to help clients, whether they are purchasing their first home or investing in a second one. Loan options include FHA, VA, USDA, Home Select, and conventional loans. Refinance is also available for clients looking into lower interest rates, shorter loan terms, debt consolidation, and private mortgage insurance removal.

License Verified:

License: 2017277

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 (84)
Zillow
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
3 Alonda, San Angelo, TX 92610
  • Refinance

Why choose this provider?

Aware Mortgage is a local lender that serves individuals and families in San Angelo. The agency helps first-time homebuyers with the mortgage process, paperwork, and requirements. It assists self-employed homebuyers and homeowners looking to refinance their existing mortgages. Aware Mortgage offers conventional, fixed-rate, adjustable-rate, conforming, non-conforming, and balloon mortgages. It also provides FHA, USDA, Jumbo, FHA Rehab and Renovation, VA, and investor home loans. Aware Mortgage is certified by the NMLS and is an equal housing lender.

License Verified:

License: 2113868

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 (8)

Website
1 Village Drive, Ste 354, San Angelo, TX 79606
  • New Construction

Why choose this provider?

Mid-Tex Mortgage LLC has been serving clients in San Angelo and its surrounding areas for more than two years. It offers mortgage and cash-out refinancing, purchase loans, and construction to permanent financing. The company assists potential borrowers in submitting applications in-person, online, or over the phone. Mid-Tex aims to make the process convenient for its customers, most especially first-time homebuyers. Its team of loan officers has more than 28 years of combined experience in the industry.

License Verified:

License: 1786517

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 (8)
Google
5.0 / 5 (6)

Website
5255 Bentwood Dr, San Angelo, TX 76904
  • New Construction

Why choose this provider?

Capital Farm Credit serves clients throughout San Angelo. The company primarily deals with individuals in the agriculture industry and sets up mortgage loan products to help them realize their goal of rural homeownership. It provides adjustable-rate or fixed-rate mortgage options. The company also offers crop insurance policies that cover financial losses from disasters like drought. Capital Farm Credit has been in the industry for more than a century. One of its vice presidents, Stephen Benner, holds a bachelor's degree in agricultural business and management.

License Verified:

License: 493828

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 (87)
Google
5.0 / 5 (1)

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.