Free Quotes · Lake Mary
Mortgage Brokers in Lake Mary, FL — Free Estimates
Get no-obligation quotes from the top mortgage brokers in Lake Mary. Compare pricing before you commit — it only takes a minute.
As of June 2026, RatingsNearMe ranks 8 mortgage brokers in Lake Mary, FL by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is RP Funding with a 4.2-star rating from 1,109 Google reviews and an RNM Score of 75/100. Also in the top tier: The Joe Onofre Mortgage Team and Acceptance Mortgage Solutions Inc.. The average rating across all listed mortgage brokers in Lake Mary is 4.9 stars from 176 reviews per business on average.
Mortgage brokers in Lake Mary: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated June 10, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Lake Mary, Florida is home to a variety of mortgage brokers who can assist consumers with obtaining home loans. These brokers can help navigate the mortgage process, compare rates and terms from multiple lenders, and guide homebuyers through the application and approval steps.
- ✓Mortgage brokers in Lake Mary can provide personalized guidance throughout the home buying process
- ✓Consumers can compare loan options and rates from multiple lenders by working with a local mortgage broker
- ✓Mortgage brokers in Lake Mary can help homebuyers understand and complete the necessary paperwork and requirements
How to Choose a Mortgage Broker in Lake Mary
What to look for
- • Years of experience in the Lake Mary, FL mortgage market
- • Strong local knowledge and connections with lenders
- • Transparent fees and cost estimates
- • Positive reviews from past clients
Questions to ask
- • What is your typical turnaround time for pre-approvals and loan closings?
- • Can you provide references from recent clients in Lake Mary?
- • How do you stay up-to-date on the latest mortgage products and regulations?
- • What is your process for finding the best loan options for my specific needs?
Red flags
- ⚠ Unwillingness to provide a detailed cost breakdown
- ⚠ Lack of familiarity with the Lake Mary real estate market
- ⚠ Negative online reviews or complaints from past clients
In Florida, mortgage brokers must be licensed by the Office of Financial Regulation. Be sure to verify the broker's license and check for any disciplinary actions or complaints.
Local Market Snapshot
8
Businesses listed
4.9★
Avg rating
176
Avg reviews
Jun 10, 2026
Last updated
Top Rated Mortgage Brokers
4.2 stars from over 1,100 Google reviews reflect strong local reputation.
1400 S International Pkwy #1000, Lake Mary, FL 32746, USA91 reviews with a perfect 5.0-star rating from clients in Lake Mary.
2601 W Lake Mary Blvd Suite 129, Lake Mary, FL 32746, USALake Mary mortgage broker with a perfect 5.0-star rating from 28 client reviews.
417 Country Wood Cir, Lake Mary, FL 32746, USAMortgage Brokers Rankings in Lake Mary, FL
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | RP Funding1400 S International Pkwy #1000, Lake Mary, FL 32746, USA | 4.2★ | 1,109 |
| #2 | The Joe Onofre Mortgage Team2601 W Lake Mary Blvd Suite 129, Lake Mary, FL 32746, USA | 5.0★ | 91 |
| #3 | Acceptance Mortgage Solutions Inc.417 Country Wood Cir, Lake Mary, FL 32746, USA | 5.0★ | 28 |
| #4 | Dennis Ross, Dr.MortgageUSA1130 Business Center Dr Ste 1000, Lake Mary, FL 32746, USA | 5.0★ | 25 |
| #5 | Greg Matthews - Mortgage Broker615 Crescent Executive Ct #224, Lake Mary, FL 32746, USA | 5.0★ | 48 |
| #6 | Richard Williams at CrossCountry Mortgage600 Rinehart Rd #3050, Lake Mary, FL 32746, USA | 5.0★ | 48 |
| #7 | Oceans Lending3098 W Lake Mary Blvd 2nd Floor, Lake Mary, FL 32746, USA | 4.7★ | 14 |
| #8 | Andrew Webb at CrossCountry Mortgage, LLC600 Rinehart Rd #3050, Lake Mary, FL 32746, USA | 5.0★ | 46 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Mortgage Brokers in Lake Mary
5.0 stars from 25 Google reviews, reflecting exceptional client satisfaction.
1130 Business Center Dr Ste 1000, Lake Mary, FL 32746, USA
5.0 stars from 48 Google reviews, reflecting exceptional client satisfaction.
615 Crescent Executive Ct #224, Lake Mary, FL 32746, USA
Lake Mary mortgage broker with a flawless 5.0-star rating from 48 reviews.
600 Rinehart Rd #3050, Lake Mary, FL 32746, USA
4.7 stars from 14 Google reviews, reflecting strong local client satisfaction.
3098 W Lake Mary Blvd 2nd Floor, Lake Mary, FL 32746, USA
Consistently rated 5.0 stars from 46 Google reviews for mortgage services.
600 Rinehart Rd #3050, Lake Mary, FL 32746, USA
Get Free Quotes
We'll connect you with the top mortgage brokers in Lake Mary, FL.
Mortgage Brokers in Lake Mary, FL — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | RP Funding | 75/100 | 4.2 ★ | 1,109 |
| 2 | The Joe Onofre Mortgage Team | 83/100 | 5.0 ★ | 91 |
| 3 | Acceptance Mortgage Solutions Inc. | 88/100 | 5.0 ★ | 28 |
| 4 | Dennis Ross, Dr.MortgageUSA | 76/100 | 5.0 ★ | 25 |
| 5 | Greg Matthews - Mortgage Broker | 79/100 | 5.0 ★ | 48 |
| 6 | Richard Williams at CrossCountry Mortgage | 79/100 | 5.0 ★ | 48 |
| 7 | Oceans Lending | 68/100 | 4.7 ★ | 14 |
| 8 | Andrew Webb at CrossCountry Mortgage, LLC | 79/100 | 5.0 ★ | 46 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · June 2026
Get your business on AI — ChatGPT, Perplexity & Google AI
AI assistants increasingly recommend local mortgage brokers straight from RatingsNearMe. Claim your spot in Lake Mary 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 Lake Mary
What does a mortgage broker do differently than going directly to a bank in Lake Mary?
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 Lake Mary?
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 FL?
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: June 10, 2026.
More Home Services in Lake Mary
Related Searches
More ways to find mortgage brokers in Lake Mary
Mortgage Brokers in nearby cities