Expertise.com

2024

Last updated:

Best Mortgage Brokers in Everett

Our Recommended Top 10

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

33Reviewed

23Curated

10Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
Everett, WA
  • VA Refinance
  • Mortgage Brokers
  • Loans
  • VA Purchase
  • Refinance

Why choose this provider?

Stone Ridge Home Loans, PLLC, caters to communities in and around Everett. Its brokers help clients make informed decisions about their home refinancing or financing loans by providing them with the knowledge and resources they need. They assist eligible borrowers through the entire application process and closing. Among the loan programs they offer are VA, FHA, and reverse mortgages. The firm's senior broker, Jody Westfall, is a former bank professional, while the designated broker, Todd Koellen, is a retired army general officer.

License Verified:

License: 2538897

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 (142)
Google
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
135 Lake St S, Suite 230, Kirkland, WA 98033
  • Reverse Mortgages
  • Refinance

Why choose this provider?

Eyal Tropen, a loan officer for Home Trust Loans, works with homebuyers and property investors in and around Everett. Tropen and his team provide educative guidance throughout the application process, from initial consultations to closings. They work with various lenders to identify solutions that suit the particular requirements of each application, and they close loans for pre-approved buyers typically within two weeks of mutual acceptance. Tropen also assists veterans, self-employed borrowers, and senior citizens with specific borrowing goals. He is a member of the Washington Association of Mortgage Professionals.

License Verified:

License: 874253

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 (9)
Facebook
5.0 / 5 (6)
Yelp
5.0 / 5 (5)

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
15712 Mill Creek Blvd Suite 7, Mill Creek, WA 98012
  • Refinance
  • New Construction

Why choose this provider?

Northshore Capital Funding helps families and individuals in Everett and nearby areas purchase their dream homes through various loan solutions. These include 15 and 30-year fixed-rate mortgages, as well as jumbo and government-backed loans. In addition, the company makes it easy for people to purchase houses, invest, and get lower term rates through its down payment, investment property loan, and refinancing options. Northshore Capital Funding has been in the home lending industry for more than seven years.

License Verified:

License: 1399988

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 (11)
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
https://www.benlinkmortgage.com/ logo

https://www.benlinkmortgage.com/

Website
110 Traders Cross, Bluffton, SC 29909
  • Commercial Loans

Why choose this provider?

Ben Link, a mortgage broker for All Square Mortgage, works with clients in Everett and its surrounding areas. He offers a wide variety of lending options for people who wish to purchase single-family or multi-family units, condominiums, or townhouses. These include FHA, VA, jumbo, and conventional loans. He also provides refinancing solutions for homeowners seeking to lower their interest rates and monthly payments, take cash out of their home's equity, or pay off their loans faster. Link has more than 25 years of industry experience.

License Verified:

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

Website
3518 Rockefeller Ave, Everett, WA 98201
  • Refinance

Why choose this provider?

C2 Financial - Everett is a mortgage brokerage firm that serves clients in the local area. It offers home purchase loans to first-time home buyers and those investing in real estate, including conforming, jumbo, super jumbo, FHA, VA, and USDA loans. It provides fixed-rate and adjustable-rate mortgages with terms of five to 30 years. It also develops personalized solutions for clients seeking to refinance an existing mortgage. C2 Financial - Everett is headed by JP Dennis, who has over a decade of financial industry experience.

License Verified:

License: 1693662

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 (52)

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
119 Cedar Avenue, Snohomish, WA 98290
  • Refinance

Why choose this provider?

Halcyon Home Loans serves clients in Everett and the surrounding areas who require mortgage brokers. The team has fixed-rate options, jumbo products, and government-backed choices for individuals who have served in the military. Refinancing is available to reduce the burden of existing obligations and take advantage of favorable rates that arose subsequent to the initial debt. The company's principal broker, Michael Dormer, takes an educational approach in counseling homebuyers on the finer points of lending transactions.

License Verified:

License: 1817018

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 (66)

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
16000 Mill Creek Blvd Suite 202, Mill Creek, WA 98012
  • Refinance

Why choose this provider?

Integrity First Mutual Mortgage serves homeowners and home buyers in Everett. It carries various loan program options for purchase and refinance transactions, such as jumbo, FHA, VA, and USDA. It offers different mortgage rate options, including fixed-rate, adjustable-rate, interest only, and graduated payments. Its team helps borrowers determine the amount they are qualified to borrow and assists in choosing the loan program that fits their financial situation and long-term goals. The agency also works with self-employed individuals with documentation.

License Verified:

License: 93974

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 (48)
Facebook
5.0 / 5 (5)

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
601 Union Street, Suite 2217, Seattle, WA 98101
  • Refinance
  • New Construction

Why choose this provider?

Penrith Home Loans provides mortgage solutions for residents in and around the Everett area. It offers various home financing options and downpayment assistance programs designed for clients purchasing homes for the first time. Different products such as conventional, jumbo, and VA jumbo loans to cater to clients' unique needs are also provided. Penrith Home Loans, which started operating in 1997, invests in the community by supporting local organizations, like the Outdoors for All Foundation and Windermere Foundation.

License Verified:

License: 713524

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 (24)
Zillow
5.0 / 5 (2)
Google
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
3400 188th St SW, Suite 101, Lynnwood, WA 98037
  • Refinance

Why choose this provider?

Capstone Home Loans is a full-service integrated mortgage bank. It offers mortgage alternatives for homeowners in Everett and nearby areas, ranging from government-insured home loans to adjustable-rate mortgage loans. Its team also aids clients in the process of refinancing in order to cut monthly payments, reduce interest rates, withdraw cash from their property for significant expenditures, or switch mortgage firms. Capstone Home Loans helps out many different groups, such as Youth for Christ and the Boys and Girls Club.

License Verified:

License: 1192589

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 (892)
Google
4.9 / 5 (153)
Facebook
4.8 / 5 (48)

(+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
8526 164th ST SE, Snohomish, WA 98296
  • Refinance

Why choose this provider?

Crane Financial Group has been serving clients throughout Everett since 1995. The company offers programs that help individuals obtain homes, including VA, FHA, and USDA mortgages. It also assists clients in applying for conforming or jumbo loan programs. It has experience advising borrowers seeking to purchase a second home. For individuals looking to refinance their mortgages, the company guides them through the process. Kris Crane, its founder, has over three decades of experience in the lending industry.

License Verified:

License: 1192471

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.
4.7
Google
4.7 / 5 (94)
Yelp
4.5 / 5 (20)

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

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.