Mortgage Broker Near You
Mortgage brokers near you
Whether you need to refinance your mortgage to lower your monthly payments or are looking to get a reverse mortgage to cover home improvement costs, BBB is here to help. Search this list to find an Accredited mortgage broker near you.
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Carrington Mortgage Services, LLC
Mortgage Broker, Real Estates, Real Estate Agents
BBB Rating: NR
This rating reflects BBB's opinion about the entire organization's interactions with its customers, including interactions with local locations.
View HQ Business ProfileService Area
Serving the following areas:
- CA
8101 N High St Ste 40,
Columbus, OH 43235
First Ohio Home Finance, Inc.
Mortgage Banker, Loans, Mortgage Broker ...
Service Area
Serving the following areas:
- CO
- FL
- IN
- KY
- MI
- OH
- OK
- PA
- VA
- WV
1147 N High St,
Columbus, OH 43201-2441
3857 N High St Ste 104 RTS UTF 06.16.10,
Columbus, OH 43214-3752
Alliante Home Services LLC
Mortgage Broker, Reverse Mortgages, Real Estate Loans ...
Service Area
Serving the following areas:
- Columbus, OH
Columbus, OH 43203-1241
1071 Fishinger Rd Her Arlington Northwest Office,
Columbus, OH 43221-2301
1080 Fishinger Rd Ste 2,
Columbus, OH 43221-2302
Mail Returned 06/13/05 4770 Indianola Ave Ste 201,
Columbus, OH 43214-1862
34 Miami Ave,
Columbus, OH 43203-1866
4608 Indianola Ave Ste K,
Columbus, OH 43214-2287
4476 N High St,
Columbus, OH 43214-2604
Metropolitan Residential Housing Group, Inc.
Real Estate Consultant, Mortgage Broker, Real Estate Appraisers
5 E Long St Ste 800E,
Columbus, OH 43215-2915
4545 N High St,
Columbus, OH 43214-2637
American Financial Network Inc.
Loans, Financial Services, Mortgage Broker ...
BBB Rating: A
This rating reflects BBB's opinion about the entire organization's interactions with its customers, including interactions with local locations.
View HQ Business ProfileService Area
Serving the following areas:
- CA
630 E Broad St,
Columbus, OH 43215-3999
1201 Dublin Rd,
Columbus, OH 43215-1026
Citi
Banking Services, Financial Services, Mortgage Broker ...
BBB Rating: F
This rating reflects BBB's opinion about the entire organization's interactions with its customers, including interactions with local locations.
View HQ Business ProfileService Area
Serving the following areas:
- NY
P.O. Box 183051,
Columbus, OH 43218
Related mortgage brokers information
How to calculate a mortgage
With principal, interest, taxes, and fixed rates, it's understandable to be confused about the total monthly payment expected from you. When trying to determine how to calculate a mortgage, know that all mortgages are composed of several factors, but many come with variables. Fees from homeowner's associations and mortgage insurance can affect the cost of a monthly payment. The basic elements of a mortgage payment are:
- Principal: The amount of your loan
- Interest: The percentage as determined in your contract
- Taxes: As charged by the town, city, or province where the home is located
- Number of payments: Determined in your contract
Homeowners can lower their monthly payments by increasing the life of the loan, which will increase the number of payments made over time. To accurately determine how to calculate a mortgage, speak with your mortgage broker or search online for a free mortgage calculator. From there, you can enter in variables (such as dropping the insurance) to determine the total in each situation.
Which mortgage do you need? Reverse, second, or refinanced?
A mortgage is a loan to purchase a home. The amount of the loan paid back over time is referred to as its equity. When homeowners need additional income to make home improvements or for other reasons, many turn to their mortgage to help cover the cost. A mortgage broker can help you decide which option suits your current situation and financial needs, as well as find lenders to work with you.
- Refinancing: Simply, refinancing means changing your current mortgage terms. You are not getting an additional loan or getting rid of your current one. The lender will adjust the interest rate and other variables according to your home and the current market.
- Reverse mortgage: Seniors who wish to increase their income can work with a mortgage broker and use a reverse mortgage to take out a loan based on their home's equity. Borrowers can only take out the equivalent of the home's equity. The loan will be paid back when the home is sold.
- Second mortgage: A second mortgage is an additional loan on top of the original loan used to purchase the house. The second mortgage borrows against the home's equity.
Preparing to apply for a mortgage
If you're curious about how to qualify for a mortgage, you've most likely already started searching for mortgage brokers near you. Even if you've decided which mortgage broker to work with, you still need to get them to accept you. Aside from good credit history and savings for a down payment, there will be required documents you need to provide. The more prepared you are for your initial interview, the higher the chance you will make a good impression with your mortgage broker. Show your commitment and forethought by having these documents on hand:
- W2s from the past two years
- Most recent pay stubs
- Federal tax statements from the past two years
- Bank statements from recent months
Be prepared to answer questions from your mortgage broker about your employment history, investments, credit score, and financial long-term plans. Do not open any new lines of credit in the months before applying for a mortgage. This can lower your score. While many people are concerned about how to qualify for a mortgage during their initial search, selecting the correct type of mortgage for your situation and monitoring your credit score increases your chance of being approved.
Get mortgage help in the U.S. from the Consumer Finance Protection Bureau's mortgage and housing assistance program.
For more information
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Accreditation and Ratings Overview
Select businesses earn BBB Accreditation by undergoing a thorough evaluation and upholding the BBB Accreditation Standards.
BBB assigns ratings from A+ (highest) to F (lowest). In some cases, BBB will not rate the business (indicated by an NR, or "No Rating") for reasons that include insufficient information about a business or ongoing review/update of the business's file.