Expertise.com

2024

Last updated:

Best Mortgage Brokers in Sugar Land

Our Recommended Top 13

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

34Reviewed

25Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

16525 Lexington Blvd. Suite 200, Sugar Land, TX 77479
WebsiteLicense: 1706471

Expertise.com Rating

Review Sources

Google
4.9 (244)
Facebook
4.5 (10)
Zillow
5.0 (9)

Why choose this provider?

Founded in 2017, Champions Mortgage is a Sugar Land-based brokerage firm that assists borrowers with their home purchase and refinancing needs. Its loan programs include financing for VA, FHA, adjustable-rate, fixed-rate, and interest-only mortgages. The firm also works with clients seeking to own a property through hybrid ARMs, balloon, or graduated payment mortgages. It provides insights into different aspects of the process, from comparing loan estimates to signing loan papers. Champions Mortgage has processed over $100 million in approved loans since its inception.

  • New Construction

2245 Texas Dr. Suite 300,, Sugar Land, TX 77479
WebsiteLicense: 2151259

Expertise.com Rating

Review Sources

Google
5.0 (33)
Facebook
5.0 (21)
Zillow
5.0 (13)

Why choose this provider?

Home Trust Financing is a local mortgage broker in Sugar Land, catering to clients who want to buy and refinance properties. Its services include shopping loans on behalf of clients and providing interest rate choices, such as creating a lender credit to gain cash, going with the PAR rate, and buying down the rate. The company also offers different loan programs, including investor no doc and bank statements. Its team of loan officers has a combined industry experience of more than two decades.

  • New Construction

3 Sugar Creek Center Blvd #100, Sugar Land, TX 77478
WebsiteLicense: 1808263

Expertise.com Rating

Review Sources

Facebook
5.0 (37)
Google
5.0 (5)

Why choose this provider?

Snap Lending is a Sugar Land-based firm that offers complex financing solutions to residential and commercial property buyers in the metro. The company creates and provides traditionally higher-risk real estate loans and first-lien mortgages. It implements QM and non-QM products for clients who cannot qualify for traditional bank financing or mortgage programs. Additionally, the company provides capital to fixer-upper investors and first-time homebuyers. Since 2014, Snap Lending has been serving Texas metropolitan and nearby rural areas.

  • Reverse Mortgages

14090 Southwest Freeway Suite 300, Room 361, Sugar Land, TX 77478
WebsiteLicense: 9891

Expertise.com Rating

Review Sources

Google
4.9 (188)
Zillow
5.0 (17)

Why choose this provider?

Sutherland Mortgage Services, Inc., caters to the residential property buying needs of families and individuals in the Sugar Land metro. The company helps its clients with their home-buying decisions by offering various mortgage options. These include 15- or 30-year fixed, VA, and jumbo loans. In addition, it provides refinancing programs for those who want lower interest rates. Sutherland Mortgage Services is also licensed to operate in the states of New York, Ohio, California, and Missouri.

  • Refinance
  • New Construction

1 Sugar Creek Center Blvd #945, Sugar Land, TX 77478
WebsiteLicense: 43021

Expertise.com Rating

Review Sources

Google
4.6 (35)
Facebook
5.0 (17)
Yelp
3.5 (9)

Why choose this provider?

Baker Mortgage works with Sugar Land clients, assisting veterans throughout the VA loan application process and helping them purchase different properties, like townhouses and condos. It also provides programs that allow borrowers to finance property acquisitions without the need for private mortgage insurance. The company has been in business since 1955, and Cathy Baker, its president, holds a Certified Mortgage Consultant designation from the National Association of Mortgage Brokers. She has been featured on the radio station KSEV 700 AM.

  • Refinance

800 Bonaventure Way Suite 102, Sugar Land, TX 77479
WebsiteLicense: 1491362

Expertise.com Rating

Review Sources

Google
5.0 (18)

Why choose this provider?

Top Mortgage LLC caters to clients in the Sugar Land community. It offers different mortgage programs to help customers who are looking to purchase a new home, refinance, or cash out. Some of the loan options it provides include 2nd lien, bank statement, conventional, FHA, jumbo, and reverse mortgages. It guides the borrowers throughout the process, including identifying errors on their credit reports, determining their borrowing options, and submitting their files for underwriting. Top Mortgage has been operating for over 19 years.

  • Refinance

800 Bonaventure Way Ste 107, Sugar Land, TX 77478
WebsiteLicense: 284779

Expertise.com Rating

Review Sources

Google
4.9 (159)
Facebook
4.9 (51)
Yelp
4.5 (7)

Why choose this provider?

Discovered Homes Investment, Inc., provides real estate services to the residents of the Sugar Land metro. The company provides a number of mortgage lending programs, including FHA, VA, USDA, conventional, refinancing, and programs that help with down payments. Its team also offers real estate property solutions such as equity cash-out, refinancing, and investing. Other services include leasing, maintenance, and tenant transitions under property management. Discovered Homes Investment has more than 20 years of professional experience.

  • New Construction

14905 Southwest Freeway, Suite 201, Sugar Land, TX 77478
WebsiteLicense: 208266

Expertise.com Rating

Review Sources

Google
4.9 (131)
Zillow
5.0 (23)
Yelp
4.5 (7)

Why choose this provider?

Home USA Mortgage offers lending solutions to the people of Sugar Land and the surrounding areas. It provides home financing advice and loan application assistance to homebuyers and works to secure options applicable to their financial situations and goals. As part of its customer service, the agency assigns customers a personal loan concierge whom they may reach on their individual mobile numbers. Home USA Mortgage has helped thousands of clientele since its inception in 1999.

  • Refinance

7070 Knights Ct, Suite 402, Missouri City, TX 77459
WebsiteLicense: 1113702

Expertise.com Rating

Review Sources

Google
5.0 (31)
Facebook
5.0 (5)

Why choose this provider?

First Step Mortgage is a brokerage company serving clients in Sugar Land with home purchasing loans and refinancing needs. It offers adjustable-rate mortgages based on factors determining interest rate changes, such as a margin, financial index, and market conditions. The business also provides USDA home mortgages to low- to moderate-income families seeking homeownership in eligible rural communities. First Step Mortgage is a locally owned venture in Houston that strives to maintain a reputation built on the ability to keep transactions on track.

  • Refinance
  • New Construction

2245 Texas Dr. Suite 300, Sugar Land, TX 77479
WebsiteLicense: 1492939

Expertise.com Rating

Review Sources

Facebook
4.8 (27)
Google
4.3 (22)
Zillow
4.0 (4)

Why choose this provider?

Mattie Mae Financial Services is a Sugar Land-based business that serves people across the area. It explains the mortgage application process to aspiring homeowners and offers a range of loan options, from USDA to VA programs. The company also provides Home Possible, a mortgage solution from Freddie Mac, to help homebuyers acquire properties in underserved or high-cost communities. It sets up other programs, including conventional and jumbo mortgages, and partners with Jennifer Russell—a Chartered Retirement Planning Counselor—to advise clients on their finances.

  • Refinance

8218 Summer Breeze Ln, Rosenberg, TX 77469
WebsiteLicense: 1778281

Expertise.com Rating

Review Sources

Google
5.0 (15)
Facebook
5.0 (15)

Why choose this provider?

Turn-Key Mortgage, Inc., caters to the financial needs of people in Sugar Land and nearby communities. It offers mortgage solutions to homebuyers and real estate investors. The company provides conventional, FHA, VA, and USDA home mortgage programs, as well as jumbo, hard money, commercial financing, and home equity loans. Turn-Key Mortgage provides credit assessment and market appraisal services, helping clients understand their options and negotiate for a mortgage. It has been in operation since 2006.

  • New Construction

77 Sugar Creek Center Blvd Suite 600, Sugar Land, TX 77478
WebsiteLicense: 361097

Expertise.com Rating

Review Sources

Google
4.8 (62)
Facebook
4.9 (61)
Zillow
4.7 (24)

Why choose this provider?

Codemark Financial is a home loan brokerage based in Sugar Land. It serves borrowers going through different life stages, whether purchasing their family’s first home, investing in real property, or retiring to a rural area. It shops for fixed-rate, jumbo, and government-insured programs, including FHA, VA, and USDA, from various lenders while considering a customer’s history and finances. The company also provides low down payment, rehab, and refinance loans. Codemark Financial has closed mortgages for more than 1,000 families.

  • Refinance

920 FM 1092 Rd, Stafford, TX 77477
WebsiteLicense: 356736

Expertise.com Rating

Review Sources

Facebook
4.6 (24)
Google
5.0 (5)

Why choose this provider?

Prompt Realty and Mortgage serves clients in Sugar Land and its surrounding communities. It offers mortgage services, assisting clients in purchasing residential and commercial properties and obtaining the loan type that suits their needs. Its team guides clients through the home loan approval process and helps them navigate their interest rate options and find the right property for them. John Varghese, the founder of the company, started the business in 2004. The company has offices in Austin, Houston, and Stafford.

  • Refinance

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.