Expertise.com
2024

Last updated:

Best Mortgage Brokers in Saint George

Our Recommended Top 14

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

35

Reviewed

26

Curated

14

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
283 Auto Mall Dr, Suite 3, St. George, UT 84770
  • Refinance

Why choose this provider?

Ryan Bolton, a local mortgage expert for Synergy One Lending, has been working with the people of Saint George for over 23 years. He assists homeowners who want to refinance their current mortgages and those who wish to apply for a home purchasing loan. He guides borrowers in the application procedure and helps them understand each stage. Dedicated to providing a modern mortgage experience, Bolton offers an app where clients may apply, scan documents, and receive a pre-approval letter.

License Verified:

License: 299717

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
Google
4.9 / 5 (54)
Zillow
5.0 / 5 (19)
Facebook
5.0 / 5 (18)

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
619 South Bluff Street, Tower 2, Ste 1B, St. George, UT 84770
  • Refinance
  • New Construction

Why choose this provider?

Patriot Home Mortgage has been serving clients in and around Saint George since its inception in 2011. It provides mortgage solutions to people looking to purchase their first homes or investment properties. Loan options include USDA, VA, conventional, jumbo, and reverse mortgages. The firm's lending specialists also assist with the application of a refinancing program for eligible borrowers with active loans. With operations in 23 states, Patriot Home Mortgage has financed 766 units, totaling $220 million.

License Verified:

License: 715386

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.
4.6
Google
4.6 / 5 (79)
Facebook
4.6 / 5 (41)
Zillow
5.0 / 5 (23)

(+1 additional source)

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
135 N 900 E, Saint George, UT 84770
  • Refinance

Why choose this provider?

Hampton Home Loans offers mortgage solutions to customers in the Saint George community. Nathan Hampton, the company's owner, is a mortgage broker who assists first-time home buyers by guiding them through the paperwork process. He collaborates with a team of marketing, management, and sales professionals to meet the specific needs of his clients. Hampton and his team also work with people who want to refinance their loans to get a lower interest rate and funds from the equity in their homes.

License Verified:

License: 1610253

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 (25)
Facebook
5.0 / 5 (14)

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
393 East Riverside Drive Ste 2A, St. George, UT 84790
  • Refinance

Why choose this provider?

Mark Gibson is a loan officer at Fairway Independent Mortgage Corporation who connects borrowers in Saint George with lenders that match their interest rate goals. He guides clients through the mortgage process to help them avoid red tape and close transactions on time. In addition, Mark promptly responds to calls and emails to keep borrowers updated on the status of their loan applications. He serves the financing needs of first-time home buyers, refinancing homeowners, and investment buyers.

License Verified:

License: 1973759

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 (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
221 East St. George Boulevard, St. George, UT 84770
  • Refinance

Why choose this provider?

Sun American Mortgage caters to clients in Saint George who need a variety of brokerage services. The team delivers FHA-backed and conventional loans for home buyers with decent to lower credit scores. VA mortgages are on hand for past and present members of the military. The company also refinances current obligations and has reverse lending programs for senior citizens. Sun American Mortgage began over three decades ago and has seven locations across two states.

License Verified:

License: 1759196

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 (545)

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
1060 S Main St 102b, Saint George, UT 84770
  • Refinance

Why choose this provider?

Gideon Reverse Mortgage offers brokerage services to borrowers in Saint George. The company focuses on reverse lending products and educates the elderly members of the community about its benefits and terms. The crew consolidates existing debts and eases the financial burdens of obligations, giving senior citizens more resources to use for family and leisure. Reverse mortgage broker Justin Bundy maintains relations with financial and estate planners to offer a fuller picture of his lending products' pros and cons.

License Verified:

License: 1850

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

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.
3.5
Responsiveness
Friendliness
Helpfulness
Detail

Website
1224 South River Road Ste. B206, St. George, UT 84790
  • Refinance

Why choose this provider?

Shaun Russon works as a mortgage broker in Saint George. His company, First Colony Mortgage, has an in-house mortgage team that underwrites, funds, processes, and closes mortgage loans. His home loan options include conventional, Reverse, FHA, rural housing, VA, and Utah housing. He also offers refinancing options to help people improve their financial situation. Russon and his team have been serving clients since 1984. For the first three years, he solely served the lending needs of veterans as a way of repaying them for their service to the country.

License Verified:

License: 1004093

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
Zillow
5.0 / 5 (95)
Facebook
4.8 / 5 (35)

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
352 E Riverside Dr Suite A-5, St. George, UT 84790
  • Refinance

Why choose this provider?

Platinum Mortgage Inc has been taking care of the needs of individuals, families, and companies throughout the Saint George metro and the surrounding areas for more than 16 years. Different loan programs are offered by its consultants, ranging from qualified and non-qualified mortgages to jumbo loans and reverse mortgages for individuals aged 62 and older. The firm was founded in December 2011 and is able to shop and compare rates from its network of lending partners.

License Verified:

License: 864523

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
Google
4.9 / 5 (58)
Facebook
4.7 / 5 (16)
Zillow
5.0 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1060 S Main St Bldg A Ste 101B, St George, UT 84770
  • Reverse Mortgages

Why choose this provider?

Heritage Reverse Mortgage caters to clients in and around Saint George. The company specializes in helping elderly citizens in acquiring reverse mortgages. It also works with veterans, guiding them through the application process for VA loans. Its staff monitors local markets for mortgage options suitable to client specifications, such as reverse mortgages with favorable monthly payments or refinancing plans with lowered interest rates. Company president Trevor Carlson holds a master's degree in Business Management and has over a decade of industry experience.

License Verified:

License: 1497455

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
Google
4.9 / 5 (104)
Yelp
5.0 / 5 (2)
Zillow
5.0 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
169 West 2710 S Circle Ste 202A, St. George, UT 84790
  • Refinance

Why choose this provider?

Red Rock Home Loans provides financing solutions to residents of Saint George. Its mortgage experts offer FHA mortgage loans made available by federally qualified lenders. This type of loan is appealing to first-time homebuyers because it has reduced down payment requirements and cannot exceed statutory loan limits. Additionally, its team recommends VA loans to render long-term financing to American veterans. Other programs are home purchase, cash-out, jumbo, and reverse mortgage loans. President Dave Capra has broker and direct lending experience for over 14 years.

License Verified:

License: 288780

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 (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
619 S Bluff Street Tower 1 Suite 101, St. George, UT 84770
  • Refinance

Why choose this provider?

Peoples Home Mortgage is a lending services provider for Saint George-based clients. Its products include conventional, jumbo, FHA, and USDA home loans, as well as VA and reverse mortgages. Its staff walks clients through a facilitated process, which involves purchase application, pre-approval, property underwriting, loan decision, document submission, signing, funding, and recording. Peoples Home Mortgage is also licensed to operate in Idaho and Oregon. Its team has a combined industry tenure of more than 75 years.

License Verified:

License: 1767718

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 (257)
Facebook
5.0 / 5 (32)

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
1530 E Scenic Sunrise Dr, Washington, UT 84780
  • Refinance

Why choose this provider?

1st Rate Mortgage is a full-service brokerage firm, providing financing solutions to future homeowners in Saint George. It caters to new home purchases and property investments, as well as existing mortgages, commercial construction, and renovation projects. Its different funding options include fixed-rate, adjustable rate, conventional, and government-insured mortgages. The company's loan officers recommend suitable funding programs based on clients' financial situations and homeownership goals. Their loan approval process involves prequalification, lending option comparison, loan application, processing, and closing.

License Verified:

License: 1172332

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

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
20 N Main St., STE 201B, St. George, UT 84770
  • Refinance
  • New Construction

Why choose this provider?

Frontline Financial caters to residents of Saint George who are looking for mortgage brokers. The team focuses on working with members of the military community and has options for purchasers of new properties and those who wish to refinance their existing obligations. It operates a blog that educates its clients on the finer points of house purchases, teaching concepts like LTV ratios and appraisal processes. Branch manager Tyler Jack has been a player in the lending sector since 1991.

License Verified:

License: 132166

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
Google
5.0 / 5 (78)
Facebook
4.9 / 5 (43)

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
221 East St. George Boulevard, St. George, UT 84770
  • Refinance

Why choose this provider?

The Staples Group helps Saint George clients save time and money in their home refinance or purchase. The team creates customized financing solutions through various options, such as VA loans, reverse mortgages, and Utah Housing programs. It also assists individuals who are looking to purchase mobile or manufactured homes and apply for FHA, jumbo, and rural USDA loans. The Staples Group is part of Sun American Mortgage, a company established in 1984 that also serves California and New Mexico.

License Verified:

License: 1759196

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 (741)
Zillow
5.0 / 5 (299)
Facebook
5.0 / 5 (232)

(+1 additional source)

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.