Expertise.com

2024

Last updated:

Best Mortgage Brokers in Spokane

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

62Reviewed

42Curated

14Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Spokane, WA
WebsiteLicense: 2538897

Expertise.com Rating

Review Sources

Zillow
5.0 (142)
Google
5.0 (1)

Why choose this provider?

Stone Ridge Home Loans, PLLC, is a wholesale mortgage brokerage company serving Spokane. It has been helping clients with their home purchasing and refinancing goals since 1988. It offers a variety of loan options, including FHA, VA, first-time home buyer, fixed-rate, and reverse mortgages. It also helps individuals seeking low-down payment options and bank statement programs. As an education-based mortgage firm, its website has a learning center section that includes various articles about home buying.

  • VA Purchase
  • VA Refinance
  • Loans
  • Mortgage Brokers
  • Refinance

Spokane, WA

Expertise.com Rating

Why choose this provider?

Need help contacting a Mortgage Broker in Spokane? Call our Concierge team at 848-Book-Pro (848-266-5776 from 6 am - 4 pm PT | Mon - Fri). They are standing by to help you get the service you need.

601 W Riverside Ave, Ste. 280, Spokane, WA 99201
WebsiteLicense: 80546

Expertise.com Rating

Review Sources

Google
5.0 (3)

Why choose this provider?

A&B Mortgage Services, LLC is the oldest independent Mortgage Brokerage that offers its services in Spokane and the nearby areas. Its NMLS-licensed brokers offer loan products such as conventional mortgages, fixed-rate mortgages, ARMs, refinance loans, home equity loans, and reverse mortgages. Clients looking to lower their interest rates or get some cash out of their home equity can connect with the company for personalized loan products. Additionally, the company has a comprehensive description of the entire home loan process available on its website and various information, tips, and calculators.

  • Purchase Loans
  • Refinance

3230 East Broadway Road Suite B-220, Phoenix, AZ 85040
WebsiteLicense: 1951574

Expertise.com Rating

Review Sources

Google
5.0 (598)
Facebook
5.0 (86)
Zillow
5.0 (71)

Why choose this provider?

Agave Home Loans extends its services to individuals in the Spokane area who want to finance a home. The mortgage brokerage firm offers FHA, VA, non-qualifying, and conventional loans. Its mortgage professionals shop with multiple lenders to help clients find a loan option suitable to their specific financial goals. The company was founded by Marshall Gottlieb and Doug Wang. Gottlieb uses his background in investments and personal finance to help clients set up financial action plans.

  • Refinance

3114 East Marietta Avenue, Spokane, WA 99207

Expertise.com Rating

Review Sources

Facebook
5.0 (11)
Google
1.0 (1)

Why choose this provider?

Brazington Mortgage, LLC is a Spokane mortgage broker. The team specializes in mortgages funded by private money lenders for non-owner occupied residential real estate, commercial real estate, farms, ranches, land only, and recreational properties. Customers use the team to refinance and cash-out equity for various business purposes including to pay taxes, consolidate debt, pay off judgments, and to finance business ventures, commercial property development, and other business-related activities. Brazington Mortgage does not fund consumer loans. Clients can read further details on the broker's financing options on its site and can also search online for commercial real estate properties via Brazington's network of real estate agents.

  • Commercial Loans

804 West Boone Avenue, Spokane, WA 99201
WebsiteLicense: 382734

Expertise.com Rating

Review Sources

Facebook
4.5 (19)
Google
4.0 (8)

Why choose this provider?

Pacific Mortgage Center has been a provider of lending solutions in Spokane for more than two decades. Its team of mortgage specialists has the knowledge and experience to help clients who want to purchase a new home as well as individuals who need to refinance their homes. The firm's mortgage programs include jumbo, USDA, VA, FHA, and conventional loans. Pacific Mortgage Center was founded in 1999 by Spokane native Alan Hurd.

  • Refinance

3305 West Bismark Avenue, Spokane, WA 99205
WebsiteLicense: 61522

Expertise.com Rating

Review Sources

Zillow
5.0 (47)
Facebook
5.0 (9)
Google
5.0 (3)

Why choose this provider?

Prime One Mortgage Corp. has been serving the community of Spokane with mortgage services since 1997. The group focuses on long-term relationships with its clients and offers loans for home purchases, home refinances, cash-out, jumbo home loans, reverse mortgages, and other products to help individuals and families buy their dream house, refinance, and consolidate debt. Customers can visit the company's website to access some free tools such as an online Purchase Assistant and Refinance Advisor, calculator and current rates, reports in English as well as Spanish, and real estate listings from time to time as well. Prime One Mortgage Corp. is licensed with the NMLS and is an Equal Housing Lender.

  • Refinance
  • Reverse Mortgages

4408 South Park Lane, Spokane, WA 99223
WebsiteLicense: 2224

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

First Choice Mortgage Co. has been offering mortgage solutions in Spokane for almost 20 years. The locally-owned group is a leading independent mortgage company with a variety of loan programs including conventional loans, FHA and VA mortgages, USDA loans, purchase and refinance loans, and investor loans. Customers can also ask about the group's manufactured home loans and rehab loans as well, and interested parties can review the entire loan process and apply right on First Choice Mortgage Co.'s website. The site also has the application available in Spanish and features various tools and useful information as well. Clients appreciate the company's tailored and innovative solutions, straightforward communication, and efforts to always exceed expectations.

  • Refinance

1227 North Argonne Road, Spokane Valley, WA 99212
WebsiteLicense: 227765

Expertise.com Rating

Review Sources

Yelp
5.0 (4)

Why choose this provider?

Heritage Home Loans is a full-service mortgage broker that services clients in Spokane and nearby areas. The business helps individuals in choosing the right mortgage loans with the best interest rates. Its team of professional brokers offers underwriting, in-house origination, and processing services. It handles a wide range of options such as first-time homebuyers, USDA, FHA, and VA loans. ​A privately held company, Heritage Home Loans was founded in 2006 and it remains committed to giving everyone equal housing opportunities.

  • Refinance

1421 North Meadowwood Lane, Liberty Lake, WA 99019
WebsiteLicense: 1713379

Expertise.com Rating

Review Sources

Google
4.0 (27)
Facebook
5.0 (6)

Why choose this provider?

Beeline Mortgage is a home loan specialist that serves the Spokane area. Included in its line of products are jumbo, conforming, and fixed-rate and adjustable-rate loans. Its team also helps clients, whether they are purchasing or refinancing, secure mortgages backed by the government such as USDA, VA, and FHA loans. Beeline Mortgage is owned by Chris Hendrickson, who worked as a mortgage loan officer and administrator before becoming a designated broker. He has nearly a decade of industry experience.

  • New Construction
  • Refinance

8350 W Grandridge Blvd Suite 200, Kennewick, WA 99336
WebsiteLicense: 1170125

Expertise.com Rating

Review Sources

Google
4.3 (20)
Zillow
5.0 (5)
Facebook
5.0 (2)

Why choose this provider?

Jeremy Brock is a senior mortgage advisor and branch manager for Premier Lending, Inc. As a partner of Preferred Rate, he provides Kennewick residents with home options, such as FHA, USDA, VA, Jumbo, and conventional loans, tailored to their homeownership objectives. He educates first-time homebuyers in order for them to make informed decisions about the programs and processes.  Jeremy also assists customers in improving their credit scores by providing advice on sound budgeting and financial management.

  • New Construction

1414 West Garland Avenue, Spokane, WA 99205
WebsiteLicense: 1016763

Expertise.com Rating

Review Sources

Yelp
5.0 (6)
Facebook
5.0 (3)

Why choose this provider?

Heritage Home Loans is a team of mortgage brokers helping the Spokane community achieve homeownership. It specializes in government loans, fixed- and adjustable-rate mortgages, and 203k loans. It also assists clients in determining the home refinancing loan programs that are most suitable for their needs. Additionally, the firm strives to deliver personalized mortgage solutions and fast service while upholding integrity. Heritage Home Loans also holds a license to conduct business in the State of Idaho.

  • Refinance

157 South Howard Street, Spokane, WA 99201
WebsiteLicense: 3236

Expertise.com Rating

Review Sources

Facebook
4.9 (44)
Yelp
4.5 (10)
Zillow
5.0 (3)

Why choose this provider?

Summit Mortgage Corporation is a Spokane mortgage broker backed by 20 years of experience in the field. Customers have access to a wide range of loan options including conventional and refinancing home loans, jumbo home loans, construction and lot loans, remodel and rehab loans, reverse mortgages, self-employed loans, and FHA and VA loans. Homeowners can also inquire about special niche products as well as energy efficient mortgages and the EnergySpark Home Loan Program for green properties. Summit Mortgage Corporation is known for its great customer service as well, and the licensed group appears on KATU AM Northwest every week to talk about home purchasing and reinvestment on UnZip The Zip-Code.

  • Refinance

1410 North Mullan Road, Spokane Valley, WA 99206
WebsiteLicense: 53271

Expertise.com Rating

Review Sources

Google
5.0 (399)
Yelp
5.0 (17)
Facebook
5.0 (8)

Why choose this provider?

Catlin Capital Inc. is a Spokane-based mortgage company that caters to individuals who need financial services in the community and its nearby areas. The company specializes in helping clients with their real estate process, rate negotiation, and loan closing. In addition, the company offers a conventional loan program. Owners Jason Catlin and Michael Sanborn have more than 40 years of combined experience in the mortgage origination, underwriting, and lending industry.

  • 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.