Top Picks · Cedar Hill
Best Mortgage Brokers in Cedar Hill, TX
Rated and reviewed by real customers. Compare prices, read reviews, and call the top pros near you — for free.
As of June 2026, RatingsNearMe ranks 4 mortgage brokers in Cedar Hill, TX by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Chad Rutherford - Eagle Mortgage Company with a 5.0-star rating from 124 Google reviews and an RNM Score of 85/100. Also in the top tier: Fresh Start Mortgage Assistance and Capital City Mortgage LLC Funding Your Dreams. The average rating across all listed mortgage brokers in Cedar Hill is 3.3 stars from 38 reviews per business on average.
Mortgage brokers in Cedar Hill: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated June 10, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
4
Businesses listed
3.3★
Avg rating
38
Avg reviews
Jun 10, 2026
Last updated
Top Rated Mortgage Brokers
Top-rated Cedar Hill mortgage broker with a perfect 5.0 score from over 120 reviews.
306 W Main St Suite B, Gunter, TX 75058, USAProudly rated 4.6 stars from over 20 local Google reviews.
610 Uptown Blvd ste 2000, Cedar Hill, TX 75104, USAMixed 2.6-star rating from a handful of Google reviews.
610 Uptown Blvd ste 2000, Cedar Hill, TX 75104, USAMortgage Brokers Rankings in Cedar Hill, TX
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Chad Rutherford - Eagle Mortgage Company306 W Main St Suite B, Gunter, TX 75058, USA | 5.0★ | 124 |
| #2 | Fresh Start Mortgage Assistance610 Uptown Blvd ste 2000, Cedar Hill, TX 75104, USA | 4.6★ | 22 |
| #3 | Capital City Mortgage LLC Funding Your Dreams610 Uptown Blvd ste 2000, Cedar Hill, TX 75104, USA | 2.6★ | 5 |
| #4 | Mortgage, Bank of America156 W Belt Line Rd, Cedar Hill, TX 75104, USA | 1.0★ | 1 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Mortgage Brokers in Cedar Hill
Mixed 1.0-star rating based on only one Google review.
156 W Belt Line Rd, Cedar Hill, TX 75104, USA
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Mortgage Brokers in Cedar Hill, TX — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Chad Rutherford - Eagle Mortgage Company | 85/100 | 5.0 ★ | 124 |
| 2 | Fresh Start Mortgage Assistance | 69/100 | 4.6 ★ | 22 |
| 3 | Capital City Mortgage LLC Funding Your Dreams | 31/100 | 2.6 ★ | 5 |
| 4 | Mortgage, Bank of America | 14/100 | 1.0 ★ | 1 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · June 2026
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Frequently Asked Questions — Mortgage Brokers in Cedar Hill
What does a mortgage broker do differently than going directly to a bank in Cedar Hill?
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 Cedar Hill?
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 TX?
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: June 10, 2026.
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