Highest Rated · Cary
Top-Rated Mortgage Brokers in Cary, NC
Every business ranked by real customer ratings. The pros at the top earned it — through consistent service, not advertising spend.
As of May 2026, RatingsNearMe ranks 16 mortgage brokers in Cary, NC by verified customer ratings and review volume. The highest-rated is VIVA Lending Group LLC - Suneel Kommireddy (Mortgage Broker) with a 5.0-star rating from 366 verified reviews. Also in the top tier: The Larry Mitchell Team - Silverton Mortgage and First Home Mortgage - Cary/Raleigh. The average rating across all listed mortgage brokers in Cary is 5 stars from 93 reviews per business on average.
Mortgage brokers in Cary: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated May 17, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
16
Businesses listed
5★
Avg rating
93
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
VIVA Lending Group LLC - Suneel Kommireddy (Mortgage Broker)
160 Macgregor Pines Dr Ste 310b, Cary, NC 27511, USA
The Larry Mitchell Team - Silverton Mortgage
1140 Kildaire Farm Rd # 205, Cary, NC 27511, USA
First Home Mortgage - Cary/Raleigh
51 Kilmayne Dr STE 105, Cary, NC 27511, USA
Mortgage Brokers Rankings in Cary, NC
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | VIVA Lending Group LLC - Suneel Kommireddy (Mortgage Broker)160 Macgregor Pines Dr Ste 310b, Cary, NC 27511, USA | 5.0★ | 366 |
| #2 | The Larry Mitchell Team - Silverton Mortgage1140 Kildaire Farm Rd # 205, Cary, NC 27511, USA | 5.0★ | 198 |
| #3 | First Home Mortgage - Cary/Raleigh51 Kilmayne Dr STE 105, Cary, NC 27511, USA | 4.9★ | 125 |
| #4 | Miller Lending Group1135 Kildaire Farm Rd, Cary, NC 27511, USA | 4.8★ | 100 |
| #5 | Best Mortgage Lending Corp1143 Executive Cir C103, Cary, NC 27511, USA | 5.0★ | 27 |
| #6 | 38 Mortgage201 W Chatham St #204, Cary, NC 27511, USA | 4.9★ | 24 |
| #7 | Jane Hartsock with TowneBank Mortgage100 Walnut St Suite 110, Cary, NC 27511, USA | 5.0★ | 12 |
| #8 | Fairway Independent Mortgage Corporation: Nevin Williams1300 SE Maynard Rd #103, Cary, NC 27511, USA | 5.0★ | 86 |
| #9 | Fairway Independent Mortgage Corporation1300 SE Maynard Rd #103, Cary, NC 27511, USA | 5.0★ | 86 |
| #10 | Exhale Lending LLC1135 Kildaire Farm Rd Suite 200-10, Cary, NC 27511, USA | 5.0★ | 30 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Cary
Miller Lending Group
1135 Kildaire Farm Rd, Cary, NC 27511, USA
Best Mortgage Lending Corp
1143 Executive Cir C103, Cary, NC 27511, USA
38 Mortgage
201 W Chatham St #204, Cary, NC 27511, USA
Jane Hartsock with TowneBank Mortgage
100 Walnut St Suite 110, Cary, NC 27511, USA
Fairway Independent Mortgage Corporation: Nevin Williams
1300 SE Maynard Rd #103, Cary, NC 27511, USA
Fairway Independent Mortgage Corporation
1300 SE Maynard Rd #103, Cary, NC 27511, USA
Exhale Lending LLC
1135 Kildaire Farm Rd Suite 200-10, Cary, NC 27511, USA
Jasper Mortgage Group powered by American Security Mortgage
201 Shannon Oaks Cir #202, Cary, NC 27511, USA
Silverton Mortgage - Apex
1140 Kildaire Farm Rd # 205, Cary, NC 27511, USA
Revolution Mortgage
100 Towerview Ct Ste 100, Cary, NC 27513, USA
7 Locks Lending — Mortgages & Refinancing
15000 Weston Pkwy, Cary, NC 27513, USA
Mortgage Choice NMLS 89877
1003 High House Rd # 202, Cary, NC 27513, USA
Carolina Mortgage Authority Incorporated NMLS 56995
107 Edinburgh S Dr Ste 202, Cary, NC 27511, USA
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Frequently Asked Questions — Mortgage Brokers in Cary
What does a mortgage broker do differently than going directly to a bank in Cary?
A broker shops your loan across multiple lenders — banks, credit unions, and non-bank lenders — to find the best rate and terms for your situation. Going to one bank limits you to their products. Brokers are typically paid 1–2% of the loan amount by the lender (disclosed upfront on your Loan Estimate). For buyers who don't fit a standard profile (self-employed, complex income, non-QM situations), a broker's lender access is particularly valuable.
How do I compare mortgage rates in Cary?
Get a Loan Estimate (federally required within 3 business days of application) from at least 3 lenders. Compare APR — not just the interest rate — because APR includes fees and gives you a truer cost comparison. Also compare origination fees, points, and closing costs. On a $350,000 loan, even a 0.25% rate difference costs about $17,000 over 30 years.
What credit score do I need to get a mortgage in NC?
Conventional loans (Fannie/Freddie): 620+ minimum, best rates at 740+. FHA loans: 580+ with 3.5% down, or 500–579 with 10% down. VA loans (veterans): no official minimum, typically 620+ in practice. USDA loans (rural areas): typically 640+. Higher scores unlock meaningfully better rates — even a 20-point difference can save thousands annually.
What is the difference between a mortgage broker and a loan officer?
A loan officer works for one lender (bank, credit union, or mortgage company) and can only offer that lender's products. A broker is independent and accesses dozens of lenders. A bank loan officer may have faster approvals and more streamlined processes for straightforward cases. A broker adds more value for complex income situations, credit challenges, or when rate comparison matters most.
How are the mortgage brokers on this page ranked?
Rankings use a transparent algorithm: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Featured Partner listings have paid for enhanced visibility but must still earn their position through real customer reviews — sponsored listings are clearly labeled.
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How Rankings Work on This Page
Every mortgage brokers on RatingsNearMe is scored transparently: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Businesses labeled exclusive or premium are Featured Partners — they have paid for enhanced visibility but must still rank through real customer reviews. We cap sponsored boosts so bad businesses can never buy the top spot.
Editorial notice: Ratings are based on publicly available data from Google Business listings. Consumers should independently verify licensing, insurance, and credentials before hiring any service provider. Last updated: May 17, 2026.
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