Pricing Guide · Oviedo
Mortgage Brokers Cost in Oviedo, FL — 2026 Price Guide
What should you pay for mortgage brokers in Oviedo? See real 2026 price ranges from local pros and get free quotes to compare.
As of May 2026, RatingsNearMe ranks 10 mortgage brokers in Oviedo, FL by verified customer ratings and review volume. The highest-rated is Redefine Home Loans with a 5.0-star rating from 211 verified reviews. Also in the top tier: Synergy Mortgage Powered by The Mortgage Firm and HS Solutions Investments & Loans Inc. The average rating across all listed mortgage brokers in Oviedo is 5 stars from 79 reviews per business on average.
Mortgage brokers in Oviedo: 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
10
Businesses listed
5★
Avg rating
79
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Redefine Home Loans
7560 Red Bug Lake Rd STE 2030, Oviedo, FL 32765, USA
Synergy Mortgage Powered by The Mortgage Firm
1984 Alafaya Trail #1014, Oviedo, FL 32765, USA
HS Solutions Investments & Loans Inc
3505 Lake Lynda Dr, Orlando, FL 32817, USA
Mortgage Brokers Rankings in Oviedo, FL
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Redefine Home Loans7560 Red Bug Lake Rd STE 2030, Oviedo, FL 32765, USA | 5.0★ | 211 |
| #2 | Synergy Mortgage Powered by The Mortgage Firm1984 Alafaya Trail #1014, Oviedo, FL 32765, USA | 4.9★ | 222 |
| #3 | HS Solutions Investments & Loans Inc3505 Lake Lynda Dr, Orlando, FL 32817, USA | 5.0★ | 65 |
| #4 | Jon Smith at Guaranteed Rate Affinity (NMLS #196479)5965 Red Bug Lake Rd 101 Unit, Winter Springs, FL 32708, USA | 4.9★ | 36 |
| #5 | The Goldberg Team at CrossCountry Mortgage2637 W State Rd 426 #1001, Oviedo, FL 32765, USA | 4.9★ | 49 |
| #6 | Shane Donahoo3208 W State Rd 426 #1000, Oviedo, FL 32765, USA | 5.0★ | 24 |
| #7 | Patrick McDaniel, Movement Mortgage59 Alafaya Woods Blvd, Oviedo, FL 32765, USA | 5.0★ | 29 |
| #8 | Knights Mortgage LLC897 City Walk Ln, Oviedo, FL 32765, USA | 4.9★ | 58 |
| #9 | Oviedo Home Mortgage, LLC3505 Lake Lynda Dr #200, Orlando, FL 32817, USA | — | — |
| #10 | Blue Eagle Mortgage4919 Blackburn Ct, Orlando, FL 32826, USA | 5.0★ | 17 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Oviedo
Jon Smith at Guaranteed Rate Affinity (NMLS #196479)
5965 Red Bug Lake Rd 101 Unit, Winter Springs, FL 32708, USA
The Goldberg Team at CrossCountry Mortgage
2637 W State Rd 426 #1001, Oviedo, FL 32765, USA
Patrick McDaniel, Movement Mortgage
59 Alafaya Woods Blvd, Oviedo, FL 32765, USA
Oviedo Home Mortgage, LLC
3505 Lake Lynda Dr #200, Orlando, FL 32817, USA
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Frequently Asked Questions — Mortgage Brokers in Oviedo
What does a mortgage broker do differently than going directly to a bank in Oviedo?
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 Oviedo?
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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