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Mortgage Brokers Near You in Largo, FL
Find mortgage brokers close to you in Largo. All results are sorted by proximity and rated by real local customers.
As of May 2026, RatingsNearMe ranks 9 mortgage brokers in Largo, FL by verified customer ratings and review volume. The highest-rated is VanDyk Mortgage Corporation with a 5.0-star rating from 181 verified reviews. Also in the top tier: The Florida Mortgage Lab and Top Mortgage Team. The average rating across all listed mortgage brokers in Largo is 4.8 stars from 55 reviews per business on average.
Mortgage brokers in Largo: 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
9
Businesses listed
4.8★
Avg rating
55
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
VanDyk Mortgage Corporation
801 W Bay Dr Suite 200, Largo, FL 33770, USA
The Florida Mortgage Lab
101925 Overseas Hwy Suite 106, Key Largo, FL 33037, USA
Top Mortgage Team
12600 S Belcher Rd #106-H, Largo, FL 33773, USA
Mortgage Brokers Rankings in Largo, FL
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | VanDyk Mortgage Corporation801 W Bay Dr Suite 200, Largo, FL 33770, USA | 5.0★ | 181 |
| #2 | The Florida Mortgage Lab101925 Overseas Hwy Suite 106, Key Largo, FL 33037, USA | 5.0★ | 59 |
| #3 | Top Mortgage Team12600 S Belcher Rd #106-H, Largo, FL 33773, USA | 5.0★ | 25 |
| #4 | GT Mortgage Solutions LLC801 W Bay Dr Suite 116, Largo, FL 33770, USA | 5.0★ | 8 |
| #5 | Inspired Home Loans12600 S Belcher Rd #106-H, Largo, FL 33773, USA | 5.0★ | 18 |
| #6 | Beach Line Mortgage Inc.2401 W Bay Dr Suite 117, Largo, FL 33770, USA | 4.5★ | 34 |
| #7 | Statewide Mortgage Co1601 E Bay Dr STE 3, Largo, FL 33771, USA | 5.0★ | 1 |
| #8 | Merchant One Mortgage Florida12800 Indian Rocks Rd #5C, Largo, FL 33774, USA | 4.0★ | 21 |
| #9 | Get Fast Lending: Robert Harris, Mortgage Broker6933 Greenbrier Dr, Seminole, FL 33777, USA | 4.9★ | 148 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Largo
GT Mortgage Solutions LLC
801 W Bay Dr Suite 116, Largo, FL 33770, USA
Beach Line Mortgage Inc.
2401 W Bay Dr Suite 117, Largo, FL 33770, USA
Merchant One Mortgage Florida
12800 Indian Rocks Rd #5C, Largo, FL 33774, USA
Get Fast Lending: Robert Harris, Mortgage Broker
6933 Greenbrier Dr, Seminole, FL 33777, USA
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Frequently Asked Questions — Mortgage Brokers in Largo
What does a mortgage broker do differently than going directly to a bank in Largo?
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 Largo?
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.
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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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