24/7 Emergency · Centennial
Emergency Mortgage Brokers in Centennial, CO — Available 24/7
When you can't wait, these mortgage brokers in Centennial offer emergency response. Call now — most respond within the hour.
As of June 2026, RatingsNearMe ranks 17 mortgage brokers in Centennial, CO by verified customer ratings and review volume. The highest-rated is Vince Reece | Colorado Mortgage Guy with a 5.0-star rating from 34 verified reviews. Also in the top tier: Excel Financial Mortgage Brokers and NEO Home Loans. The average rating across all listed mortgage brokers in Centennial is 5 stars from 118 reviews per business on average.
Mortgage brokers in Centennial: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated June 1, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
17
Businesses listed
5★
Avg rating
118
Avg reviews
Jun 1, 2026
Last updated
Top Rated Mortgage Brokers
Vince Reece | Colorado Mortgage Guy
10952 S Pikes Peak Dr, Parker, CO 80138, USA
Excel Financial Mortgage Brokers
3939 E Arapahoe Rd STE 214, Centennial, CO 80122, USA
NEO Home Loans
9200 E Mineral Ave #100, Centennial, CO 80112, USA
Mortgage Brokers Rankings in Centennial, CO
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Vince Reece | Colorado Mortgage Guy10952 S Pikes Peak Dr, Parker, CO 80138, USA | 5.0★ | 34 |
| #2 | Excel Financial Mortgage Brokers3939 E Arapahoe Rd STE 214, Centennial, CO 80122, USA | 4.9★ | 38 |
| #3 | NEO Home Loans9200 E Mineral Ave #100, Centennial, CO 80112, USA | 5.0★ | 336 |
| #4 | Liberty Mortgage Group7600 E Arapahoe Rd Ste 303, Centennial, CO 80112, USA | 4.8★ | 37 |
| #5 | Liberty Financing6767 S Spruce St Unit 295, Centennial, CO 80112, USA | 5.0★ | 231 |
| #6 | Oxford Mortgage, LLC6300 S Syracuse Way #155, Centennial, CO 80111, USA | 4.9★ | 70 |
| #7 | Home Mortgage - Peoples Mortgage Company Wealth Management: Sean Stokes6436 S Racine Cir Suite 114, Centennial, CO 80111, USA | 4.9★ | 67 |
| #8 | Colorado Lending Inc.6851 S Holly Cir STE 280, Centennial, CO 80112, USA | 5.0★ | 45 |
| #9 | Trusted American Mortgage, LLC7958 S Chester St, Centennial, CO 80112, USA | 5.0★ | 23 |
| #10 | A Better Choice Mortgage7698 S Locust St, Centennial, CO 80112, USA | 5.0★ | 29 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Mortgage Brokers in Centennial
Liberty Mortgage Group
7600 E Arapahoe Rd Ste 303, Centennial, CO 80112, USA
Liberty Financing
6767 S Spruce St Unit 295, Centennial, CO 80112, USA
Oxford Mortgage, LLC
6300 S Syracuse Way #155, Centennial, CO 80111, USA
Home Mortgage - Peoples Mortgage Company Wealth Management: Sean Stokes
6436 S Racine Cir Suite 114, Centennial, CO 80111, USA
Colorado Lending Inc.
6851 S Holly Cir STE 280, Centennial, CO 80112, USA
Trusted American Mortgage, LLC
7958 S Chester St, Centennial, CO 80112, USA
A Better Choice Mortgage
7698 S Locust St, Centennial, CO 80112, USA
Nathan Einkorn, Mortgage Broker
9000 E Nichols Ave Ste 225B, Centennial, CO 80112, USA
The Mortgage Co.
7343 S Alton Way STE 150, Centennial, CO 80112, USA
Premier Family Mortgage
9250 E Costilla Ave, Greenwood Village, CO 80112, USA
HL & D CORP - Mortgage Brokers
5921 S Akron Way, Greenwood Village, CO 80111, USA
Guild Mortgage - Rebecca Hansen
6465 Greenwood Plaza Blvd Suite 100, Centennial, CO 80111, USA
Colorado Real Estate Finance Group
6075 S Quebec St #100, Englewood, CO 80111, USA
Scott Kagi, Mortgage Lender
1587 McMurdo Trail, Castle Rock, CO 80108, USA
Get Free Quotes
We'll connect you with the top mortgage brokers in Centennial, CO.
Frequently Asked Questions — Mortgage Brokers in Centennial
What does a mortgage broker do differently than going directly to a bank in Centennial?
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 Centennial?
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 CO?
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.
Mortgage Brokers in Nearby Cities
Compare top-rated mortgage brokers in cities near you.
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 1, 2026.
More Home Services in Centennial
Related Searches
More ways to find mortgage brokers in Centennial
Mortgage Brokers in nearby cities