Low Cost · Haltom City
Cheap Mortgage Brokers in Haltom City, TX — Best Prices
Compare mortgage brokers prices in Haltom City to find the best deal. All businesses are reviewed — cheap doesn't mean low quality.
As of May 2026, RatingsNearMe ranks 7 mortgage brokers in Haltom City, TX by verified customer ratings and review volume. The highest-rated is JoshMoodyLoans.com - The Moody Team with a 5.0-star rating from 410 verified reviews. Also in the top tier: Hometrust Mortgage Company and GFS Home Loans. The average rating across all listed mortgage brokers in Haltom City is 4.6 stars from 106 reviews per business on average.
Mortgage brokers in Haltom City: 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
7
Businesses listed
4.6★
Avg rating
106
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
JoshMoodyLoans.com - The Moody Team
5000 Legacy Dr #180, Plano, TX 75024, USA
Hometrust Mortgage Company
5353 W Alabama St #500, Houston, TX 77056, USA
GFS Home Loans
4501 Merlot Ave suite 100, Grapevine, TX 76051, USA
Mortgage Brokers Rankings in Haltom City, TX
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | JoshMoodyLoans.com - The Moody Team5000 Legacy Dr #180, Plano, TX 75024, USA | 5.0★ | 410 |
| #2 | Hometrust Mortgage Company5353 W Alabama St #500, Houston, TX 77056, USA | 4.9★ | 144 |
| #3 | GFS Home Loans4501 Merlot Ave suite 100, Grapevine, TX 76051, USA | 5.0★ | 62 |
| #4 | Acceptance Home Loans - Shirley Hurm5601 Bridge St STE 300, Fort Worth, TX 76112, USA | 5.0★ | 10 |
| #5 | Emerald Mortgage Partners, LLC2821 Field St, Haltom City, TX 76117, USA | — | — |
| #6 | Doug Bateman1452 Hughes Rd, Grapevine, TX 76051, USA | 3.0★ | 2 |
| #7 | HomeTown Lending - Tyler Garcia5050 Quorum Dr #600, Dallas, TX 75254, USA | 5.0★ | 10 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Haltom City
Acceptance Home Loans - Shirley Hurm
5601 Bridge St STE 300, Fort Worth, TX 76112, USA
Emerald Mortgage Partners, LLC
2821 Field St, Haltom City, TX 76117, USA
Doug Bateman
1452 Hughes Rd, Grapevine, TX 76051, USA
HomeTown Lending - Tyler Garcia
5050 Quorum Dr #600, Dallas, TX 75254, USA
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Frequently Asked Questions — Mortgage Brokers in Haltom City
What does a mortgage broker do differently than going directly to a bank in Haltom City?
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 Haltom City?
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: May 17, 2026.
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