17 Best Columbus Mortgage Brokers | Expertise.com
Expertise.com

2024

Last updated:

Best Mortgage Brokers in Columbus

Our Recommended Top 17

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

199Reviewed

126Curated

17Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

438 E Wilson Bridge Rd #106, Columbus, OH 43085

Expertise.com Rating

Review Sources

Google
4.9 (106)
Facebook
4.8 (29)
Yelp
5.0 (5)

Why choose this provider?

Liberty Capital has been providing home loan solutions in Columbus for more than two decades. Its team helps clients select from a variety of loan options, including conventional and jumbo mortgages. The loan specialists also assist clients in applying for USDA, FHA, and VA loans. In addition, they provide home refinance loans for clients looking to switch from an adjustable-rate to fixed-rate loan or lower loan terms. Liberty Capital is a National Association of Mortgage Brokers Certified Veterans Loan Specialist.

  • Refinance

4200 Regent St Ste 200, Columbus, OH 43219

Expertise.com Rating

Review Sources

Google
5.0 (17)

Why choose this provider?

Optist Inc. is a full-service mortgage company serving clients in Columbus. The firm offers various home purchase loans for first-time and experienced home buyers. Some of the company's mortgage plans include FHA, Jumbo, VA, USDA, and 203K. Its independent brokers also offer mortgage refinancing programs to borrowers looking to reduce their monthly payments and long-term interest rates. Optist is a certified Equal Housing Opportunity Lender and a member of the Association of Independent Mortgage Experts.

  • Refinance

107 Commerce Park Drive, B, Westerville, OH 43082
WebsiteLicense: 293676

Expertise.com Rating

Review Sources

Facebook
4.5 (12)
Yelp
5.0 (3)

Why choose this provider?

Ohio Capital Mortgage is a locally owned and operated mortgage company in Columbus with a team of licensed loan officers devoted to providing personalized service from the beginning of the loan application process to the final closing. Satisfied clients reported “had a new mortgage and a refinance both through Ohio Capital Mortgage and I couldn’t have been happier,” “their knowledge, experience, and honesty are why we are now in our new home happy and stress free“ and “recommended them to many of my friends and coworkers, all...have been happy with their work.” Ohio Capital Mortgage holds to the core values of relationship, communication, and service.

  • Refinance

735 Ceramic Place, Westerville, OH 43081
WebsiteLicense: 4131047

Expertise.com Rating

Review Sources

Yelp
4.0 (20)

Why choose this provider?

Union Home Mortgage is a mortgage lender serving the Greater Columbus area. It provides fixed and adjustable-rate conventional mortgages, FHA, VA, and USDA loans, and Ohio Finance Agency loans designed for the development, rehabilitation, and financing of low- to moderate-income housing. Other loan options are available for renovations, commercial financing, and reverse mortgages. The professionals at this firm keep clients informed about every detail of their loan and aim to make the process of obtaining homeownership easy and simple for homebuyers.

  • Refinance

1225 Dublin Road, Columbus, OH 43215
WebsiteLicense: 1508609

Expertise.com Rating

Why choose this provider?

The Armstrong Mortgage Company is a mortgage banking firm that serves clients in Columbus and nearby localities. The company provides commercial real estate financing for a variety of property types, including multi-family condominiums, retail shops and offices, warehousing facilities, and healthcare construction projects. The firm also provides FHA, new construction, substantial rehabilitation, and mortgage refinancing programs for individuals, families, elderly couples, and veterans. The company carries more than four decades of experience in commercial lending.

  • New Construction
  • Refinance

302 East Main Street, Lancaster, OH 43130
WebsiteLicense: 38072

Expertise.com Rating

Review Sources

Google
4.0 (76)
Facebook
5.0 (7)
Yelp
1.0 (2)

Why choose this provider?

Polaris Home Funding Corporation is a company of mortgage brokers that serves the residents of the Columbus metro through home loan programs and mortgage refinancing solutions. The firm is focused on providing straightforward processes in securing residential financing. Its team of NMLS certified loan professionals helps clients apply for and close loan programs such as conventional loans, VA loans, FHA loans, jumbo loans, and reverse mortgages. It also offers solutions for debt consolidation and real estate listings.

  • Refinance

4725 Lakehurst Court, Dublin, OH 43016
WebsiteLicense: 140234

Expertise.com Rating

Review Sources

Google
2.0 (29)
Zillow
5.0 (25)
Yelp
2.0 (4)

Why choose this provider?

Keller Mortgage is a brokerage firm that serves Columbus and the surrounding areas. It offers several loan products such as conventional loans for primary homes or investment properties and jumbo loans for amounts greater than the usual loan limits. It also offers loans backed by the federal government, such as FHA, VA, and USDA loans. Its loan officers have over 9 years of experience in the industry and close an average of 20 deals in a month. Keller Mortgage has an exclusive partnership with Keller Williams.

  • New Construction

1880 Mackenzie Drive, Columbus, OH 43220
WebsiteLicense: 1879972

Expertise.com Rating

Review Sources

Facebook
5.0 (16)

Why choose this provider?

Sauk Mortgage Group LTD is a full-service brokerage that serves Columbus and the surrounding locations. Its team of mortgage advisors assists homebuyers throughout the entire process, from the pre-qualification stage until closing. They offer several programs such as jumbo, conventional, FHA, and USDA loans, allowing homebuyers to select financing options that suit their preferred interest rates and terms. Sauk Mortgage Group is headed by Joseph Sauk, assisting clients' financing and refinancing needs since 1993.

  • New Construction
  • Refinance

1000 North Maple Street, Marysville, OH 43040
WebsiteLicense: 242370

Expertise.com Rating

Review Sources

Google
5.0 (2)
Facebook
5.0 (2)

Why choose this provider?

1st Monarch Mortgage is a mortgage broker that focuses on the residential market. Serving Columbus and its surrounding communities, the company seeks to understand its clients' needs and assists them in securing the most appropriate mortgage products. These options include non-conforming loans, FHA fixed-rate loans, adjustable-rate mortgages, and 30-year fixed-rate mortgages. 1st Monarch Mortgage has two loan officers who walk borrowers through the pre-qualification, application, and approval processes. Moreover, it has an online platform for loan applications.

  • New Construction

4449 Easton Way , Ste 2045, Columbus, OH 43219

Expertise.com Rating

Review Sources

Google
5.0 (23)
Zillow
5.0 (1)

Why choose this provider?

Pro Link Home Lending LLC is a locally owned and operated wholesale mortgage brokerage that serves individuals and families from Columbus and the surrounding areas. It provides a variety of home loan programs, including conforming, FHA, VA, and USDA loans. It also offers refinancing solutions for clients seeking to reduce their interest rates or monthly payments. Owner Joel Hopkins has been working in the industry for almost a decade. He is a member of the Tri-County Realtors Association.

  • Refinance

2600 Oakstone Drive, Columbus, OH 43231
WebsiteLicense: 243567

Expertise.com Rating

Review Sources

Google
4.0 (49)

Why choose this provider?

Home Mortgage Solutions is a full-service mortgage consultancy firm that serves residential and commercial clients in Columbus and its surrounding areas. It offers a comprehensive suite of mortgage products and services, including FHA, VA, USDA, conventional, and 203(k) rehab loans. The firm employs a team of experienced mortgage specialists who can negotiate with banks and direct lenders to find the best loan for the client's situation. Home Mortgage Solutions also offers interest and bank statement options for self-employed individuals.

  • New Construction

1145 Goodale Blvd, Grandview, OH 43212

Expertise.com Rating

Review Sources

Google
4.9 (95)
Facebook
3.8 (6)

Why choose this provider?

Paramount Residential Mortgage Group (PRMG), which is located in Grandview, Columbus, has been assisting borrowers for over 10 years. It offers a wide range of loan products, including Freddie Mac and Fannie Mae. With underwriting and processing fulfilled in-house, its team also helps clients obtain government loans. Additionally, the mortgage professionals offer loans for borrowers 62 years and older and homeowners looking to start renovation projects. PRMG started as a three-person team and has grown to a company with 1,700 employees.

  • Multi-Family Loans

1299 Virginia Ave, Columbus, OH 43212

Expertise.com Rating

Review Sources

Google
5.0 (38)
Facebook
5.0 (19)
Zillow
5.0 (5)

Why choose this provider?

Covita Lending is a mortgage solutions company that serves Columbus and its neighboring communities. It assists real estate investors, homeowners, and property buyers in securing loans, from pre-approval to closing. It offers jumbo, conventional, FHA, VA, and USDA loan programs. Its representatives also provide refinancing options to help clients reduce their loan term and consolidate their debt. Covita Lending processes commercial-type loan applications for clients who are investing in warehouses, self-storage units, and retail properties.

  • Refinance

224 E Broadway, Granville, OH 43023

Expertise.com Rating

Review Sources

Facebook
4.9 (53)

Why choose this provider?

Polaris is a mortgage lending and advising firm serving clients in Columbus and nearby areas. It offers a variety of loan options for those looking to purchase or refinance a home. Its products include USDA, FHA, 103K rehab, VA, Harp, and conventional. The company also provides credit restoration services to assist clients in getting good credit scores. One of Polaris' mortgage agents, Matthew Day, has over 17 years of experience as a loan officer and operations manager.

  • Refinance

555 South Front Street, Columbus, OH 43215
WebsiteLicense: 1630399

Expertise.com Rating

Review Sources

Google
4.0 (31)
Facebook
5.0 (5)

Why choose this provider?

Total Choice Mortage, Inc., is a mortgage brokerage firm that serves clients in Columbus. The company offers a wide range of loan programs for homeowners and homebuyers, including conventional mortgage loans, VA home loans, USDA mortgage loans, and FHA mortgage loans. The mortgage lender combines technological innovation and conventional customer service to deliver mortgage financing that suits the needs of clients. The mortgage firm is a division of Hometown Lenders, Inc., which was founded by CEO William Taylor in Huntsville in 2000.

  • Refinance

875 North High Street, Columbus, OH 43215
WebsiteLicense: 1639281

Expertise.com Rating

Review Sources

Google
5.0 (4)
Yelp
5.0 (3)
Facebook
5.0 (2)

Why choose this provider?

FirstCap US Mortgage, LLC, is a company that offers mortgage services to residents in Columbus and throughout Ohio. It is an independent company that serves both residential and commercial types of mortgages. Utilizing a digital approach to assist its clients, FirstCap US Mortgage provides loan options such as 30-year fixed, 30-year FHA, 20-year fixed, and 15-year fixed interest rates. The company also offers refinancing options. Cory Freilich founded the company and now serves as the president and CEO.

  • Refinance

2602 Oakstone Drive, Columbus, OH 43231
WebsiteLicense: 796590

Expertise.com Rating

Review Sources

Google
4.8 (35)
Facebook
5.0 (10)

Why choose this provider?

Omniscient Real Estate Finance is a team of mortgage brokers in Columbus that guides homeowners and prospective homeowners through housing loans. It is partnered with a variety of lenders and offers different loan options, such as VA loans, USDA loans, FHA loans, and conventional loans. The company is led by its president, Atiba Thompson, who has over 20 years of experience in the mortgage industry and was awarded the 2015 Martin Luther King Jr. Economic Opportunity Award.

  • New Construction

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.