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Best Mortgage Brokers in Cibolo, TX
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As of July 2026, RatingsNearMe ranks 3 mortgage brokers in Cibolo, TX by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Jayro Perez at Veterans Lending Group with a 5.0-star rating from 7 Google reviews and an RNM Score of 70/100. Also in the top tier: Danny Leos at Veterans Lending Group and Jaime Spanley - Regions Mortgage Loan Officer. The average rating across all listed mortgage brokers in Cibolo is 5 stars from 5 reviews per business on average.
Mortgage brokers in Cibolo: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated July 4, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
3
Businesses listed
5★
Avg rating
5
Avg reviews
Jul 4, 2026
Last updated
Top Rated Mortgage Brokers
Rated 5.0 stars from 7 Google reviews, this Cibolo mortgage broker is highly trusted.
816 Main St Suite E, Schertz, TX 78154, USARated 5.0 stars from three Google reviews, reflecting exceptional client satisfaction.
816 Main St Suite E, Schertz, TX 78154, USAThis Cibolo mortgage broker currently has zero customer reviews.
4085 Cibolo Canyons St Suite 100, San Antonio, TX 78261, USAMortgage Brokers Rankings in Cibolo, TX
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Jayro Perez at Veterans Lending Group816 Main St Suite E, Schertz, TX 78154, USA | 5.0★ | 7 |
| #2 | Danny Leos at Veterans Lending Group816 Main St Suite E, Schertz, TX 78154, USA | 5.0★ | 3 |
| #3 | Jaime Spanley - Regions Mortgage Loan Officer4085 Cibolo Canyons St Suite 100, San Antonio, TX 78261, USA | — | — |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
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Mortgage Brokers in Cibolo, TX — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Jayro Perez at Veterans Lending Group | 70/100 | 5.0 ★ | 7 |
| 2 | Danny Leos at Veterans Lending Group | 66/100 | 5.0 ★ | 3 |
| 3 | Jaime Spanley - Regions Mortgage Loan Officer | 3/100 | — | 0 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · July 2026
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Frequently Asked Questions — Mortgage Brokers in Cibolo
What does a mortgage broker do differently than going directly to a bank in Cibolo?
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 Cibolo?
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: July 4, 2026.
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