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Mortgage Brokers Near You in Kerrville, TX
Find mortgage brokers close to you in Kerrville. All results are sorted by proximity and rated by real local customers.
As of June 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 June 9, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Kerrville, TX is home to a variety of mortgage brokers who can assist consumers with home loans and refinancing. When searching for a local mortgage broker, consumers should consider factors such as experience, customer reviews, and the range of loan products offered.
- ✓Experienced mortgage brokers in Kerrville, TX
- ✓Variety of loan products and services available
- ✓Research customer reviews when selecting a mortgage broker
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.
How to Choose a Mortgage Broker in Kerrville
What to look for
- • Mortgage brokers with experience working in the Kerrville, TX market
- • Brokers who are licensed and in good standing with the Texas Department of Savings and Mortgage Lending
- • Brokers who can provide references from past clients in Kerrville
- • Brokers who are transparent about their fees and commission structure
Questions to ask
- • How long have you been a mortgage broker in Kerrville?
- • Can you provide a list of lenders you work with and their rates?
- • What is your typical turnaround time for processing a mortgage application?
Red flags
- ⚠ Brokers who are not licensed or have disciplinary actions against their license
- ⚠ Brokers who cannot provide references or client testimonials
- ⚠ Brokers who are evasive about their fees or commission structure
In Texas, mortgage brokers must be licensed by the Texas Department of Savings and Mortgage Lending. It's important to verify a broker's license and check for any disciplinary actions or complaints before working with them.
Local Market Snapshot
7
Businesses listed
4.7★
Avg rating
19
Avg reviews
Jun 9, 2026
Last updated
Top Rated Mortgage Brokers
Mortgage 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 June 2026
All Mortgage Brokers in Kerrville
1801 Sidney Baker St, Kerrville, TX 78028, USA
1001 Sidney Baker St, Kerrville, TX 78028, USA
229 Waggoman Rd B, Kerrville, TX 78028, USA
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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%) · June 2026
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.
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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 9, 2026.
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