Best Value · Kerrville
Affordable Mortgage Brokers in Kerrville, TX
Find quality mortgage brokers that fit your budget. Compare prices, read reviews, and request free quotes — no obligation.
As of July 2026, RatingsNearMe ranks 7 mortgage brokers in Kerrville, TX by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Chet Hearn - Senior Mortgage Advisor with a 5.0-star rating from 16 Google reviews and an RNM Score of 85/100. Also in the top tier: The Money Store and AGS Lending Partners - USA. The average rating across all listed mortgage brokers in Kerrville is 4.7 stars from 19 reviews per business on average.
Mortgage brokers in Kerrville: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated July 5, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
AGS Lending Partners - USA
AGS Lending Partners - USA stands out as the top-ranked mortgage broker in Kerrville due to its strong reputation and comprehensive lending solutions.
Most Reviewed
RBFCU - Kerrville
A high review count indicates broad customer experience and trust, helping consumers gauge reliability and service quality.
When choosing a mortgage broker in Kerrville, compare local expertise and customer reviews to find a lender that fits your specific financial needs. Always verify licensing and ask about loan options before committing.
Local Market Snapshot
7
Businesses listed
4.7★
Avg rating
19
Avg reviews
Jul 5, 2026
Last updated
Top Rated Mortgage Brokers
Kerrville mortgage broker with a perfect 5.0-star rating from 16 Google reviews.
230 Castle Pne, Kerrville, TX 78028, USAConsistently earns a perfect 5.0-star rating from over a dozen local reviews.
322 Thompson Dr, Kerrville, TX 78028, USA5.0-star rating from 11 Google reviews for mortgage services in Kerrville.
222 Sidney Baker St S # 211, Kerrville, TX 78028, USAMortgage Brokers Rankings in Kerrville, TX
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Chet Hearn - Senior Mortgage Advisor230 Castle Pne, Kerrville, TX 78028, USA | 5.0★ | 16 |
| #2 | The Money Store322 Thompson Dr, Kerrville, TX 78028, USA | 5.0★ | 16 |
| #3 | AGS Lending Partners - USA222 Sidney Baker St S # 211, Kerrville, TX 78028, USA | 5.0★ | 11 |
| #4 | RBFCU - Kerrville1801 Sidney Baker St, Kerrville, TX 78028, USA | 3.7★ | 50 |
| #5 | Capital Farm Credit1001 Sidney Baker St, Kerrville, TX 78028, USA | 5.0★ | 1 |
| #6 | Bitkower Real Estate-Mortgage229 Waggoman Rd B, Kerrville, TX 78028, USA | — | — |
| #7 | PNC Mortgage1425 Sidney Baker St, Kerrville, TX 78028, USA | — | — |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Kerrville
Serving Kerrville with dozens of Google reviews and a 3.7-star average rating.
1801 Sidney Baker St, Kerrville, TX 78028, USA
5.0 stars from 1 review; a perfect start for this local mortgage broker.
1001 Sidney Baker St, Kerrville, TX 78028, USA
This business has no reviews yet, so its reputation is currently unrated.
229 Waggoman Rd B, Kerrville, TX 78028, USA
No Google reviews yet; local mortgage broker in Kerrville, TX.
1425 Sidney Baker St, Kerrville, TX 78028, USA
Get Free Quotes
We'll connect you with the top mortgage brokers in Kerrville, TX.
Mortgage Brokers in Kerrville, TX — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Chet Hearn - Senior Mortgage Advisor | 85/100 | 5.0 ★ | 16 |
| 2 | The Money Store | 85/100 | 5.0 ★ | 16 |
| 3 | AGS Lending Partners - USA | 83/100 | 5.0 ★ | 11 |
| 4 | RBFCU - Kerrville | 69/100 | 3.7 ★ | 50 |
| 5 | Capital Farm Credit | 74/100 | 5.0 ★ | 1 |
| 6 | Bitkower Real Estate-Mortgage | 7/100 | — | 0 |
| 7 | PNC Mortgage | 7/100 | — | 0 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · July 2026
Get your business on AI — ChatGPT, Perplexity & Google AI
AI assistants increasingly recommend local mortgage brokers straight from RatingsNearMe. Claim your spot in Kerrville to get featured in AI answers, comparison tables, and “best near me” results — where customers are actually searching now.
Frequently Asked Questions — Mortgage Brokers in Kerrville
What does a mortgage broker do differently than going directly to a bank in Kerrville?
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 Kerrville?
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.
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: July 5, 2026.
More Home Services in Kerrville
Related Searches
More ways to find mortgage brokers in Kerrville
Mortgage Brokers in nearby cities