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Licensed · Downey
Licensed & Insured Mortgage Brokers in Downey, TX
Every mortgage brokers listed here carries proper licensing and insurance in TX. Protect yourself — always verify credentials before work begins.
As of June 2026, RatingsNearMe ranks 20 mortgage brokers in Downey, TX by verified customer ratings and review volume. The highest-rated is Saint Charles Mortgage LLC with a 4.9-star rating from 86 verified reviews. Also in the top tier: Premier Nationwide Lending - Galveston, TX and TexSmart Lending Group. The average rating across all listed mortgage brokers in Downey is 5 stars from 49 reviews per business on average.
Mortgage brokers in Downey: 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
20
Businesses listed
5★
Avg rating
49
Avg reviews
Jun 1, 2026
Last updated
Top Rated Mortgage Brokers
Saint Charles Mortgage LLC
13810 Coyote Run, Santa Fe, TX 77517, USA
Premier Nationwide Lending - Galveston, TX
1021 61st St, Galveston, TX 77551, USA
TexSmart Lending Group
14 Quintana Dr, Galveston, TX 77554, USA
Mortgage Brokers Rankings in Downey, TX
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Saint Charles Mortgage LLC13810 Coyote Run, Santa Fe, TX 77517, USA | 4.9★ | 86 |
| #2 | Premier Nationwide Lending - Galveston, TX1021 61st St, Galveston, TX 77551, USA | 4.9★ | 29 |
| #3 | TexSmart Lending Group14 Quintana Dr, Galveston, TX 77554, USA | 5.0★ | 18 |
| #4 | Cash Mortgage Services7016 Williams Dr, Galveston, TX 77551, USA | 5.0★ | 1 |
| #5 | NorthStar Mortgage, LLC1526 Noble Way Ct, League City, TX 77573, USA | 5.0★ | 2 |
| #6 | Christine Dunn at New American Funding4920 Seawall Blvd # D, Galveston, TX 77551, USA | 5.0★ | 1 |
| #7 | EBLOCK LOANS628 19th St, Galveston, TX 77550, USA | 5.0★ | 29 |
| #8 | Network Funding, LP | Matt Hawkes1009 Broadway Avenue J, Galveston, TX 77550, USA | 5.0★ | 18 |
| #9 | Frank Bohn at Network Funding1009 Broadway Avenue J, Galveston, TX 77550, USA | 5.0★ | 54 |
| #10 | Helping Heroes Buy Homes, LLC NMLS 17891452213 Dove Haven Ln, League City, TX 77573, USA | 5.0★ | 9 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Mortgage Brokers in Downey
Cash Mortgage Services
7016 Williams Dr, Galveston, TX 77551, USA
NorthStar Mortgage, LLC
1526 Noble Way Ct, League City, TX 77573, USA
Christine Dunn at New American Funding
4920 Seawall Blvd # D, Galveston, TX 77551, USA
EBLOCK LOANS
628 19th St, Galveston, TX 77550, USA
Network Funding, LP | Matt Hawkes
1009 Broadway Avenue J, Galveston, TX 77550, USA
Frank Bohn at Network Funding
1009 Broadway Avenue J, Galveston, TX 77550, USA
Helping Heroes Buy Homes, LLC NMLS 1789145
2213 Dove Haven Ln, League City, TX 77573, USA
Mimi Montgomery - Baymont Mortgage
238 S Egret Bay Blvd, League City, TX 77573, USA
King James Lending | Hard Money Loans Local Investors | Quick Close, Best Fees
770 Marina Bay Dr, Kemah, TX 77565, USA
HomeLoanswithDavid
3027 Marina Bay Dr # 315, League City, TX 77573, USA
New American Funding
2600 South Shore Blvd Ste 300A, Ofc 383, League City, TX 77573, USA
Adam Villarreal - Ideal Mortgage Inc.
2600 South Shore Blvd #300, League City, TX 77573, USA
Seth Saldivar - TEXAN DIRECT LENDING
2600 South Shore Blvd #300, League City, TX 77573, USA
Carlos Luis Diaz - Bilingual Loan Officer
2600 South Shore Blvd #300, League City, TX 77573, USA
Bolt Mortgage, Inc
4440 W Main St, League City, TX 77573, USA
Marissa Cantu-Bolt Mortgage
4440 W Main St, League City, TX 77573, USA
Melissa Torres - Bolt Mortgage
4440 W Main St, League City, TX 77573, USA
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Frequently Asked Questions — Mortgage Brokers in Downey
What does a mortgage broker do differently than going directly to a bank in Downey?
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 Downey?
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 1, 2026.
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