Same Day · Oviedo
Same-Day Mortgage Brokers in Oviedo, FL
Can't wait a week? These mortgage brokers in Oviedo offer same-day or next-day appointments. Call now to check availability.
As of July 2026, RatingsNearMe ranks 10 mortgage brokers in Oviedo, FL by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Redefine Home Loans with a 5.0-star rating from 211 Google reviews and an RNM Score of 99/100. 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 July 4, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
Synergy Mortgage Powered by The Mortgage Firm
Recognized as a top-ranked broker in Oviedo for its consistent client satisfaction and competitive rates.
Most Reviewed
The Goldberg Team at CrossCountry Mortgage
A high review count indicates proven reliability and trust from numerous past clients in the Oviedo area.
When choosing a mortgage broker, compare interest rates and fees, and read recent reviews to ensure the broker aligns with your home-buying timeline and needs.
Local Market Snapshot
10
Businesses listed
5★
Avg rating
79
Avg reviews
Jul 4, 2026
Last updated
Top Rated Mortgage Brokers
Oviedo mortgage broker with a perfect 5.0★ rating from over 200 Google reviews.
7560 Red Bug Lake Rd STE 2030, Oviedo, FL 32765, USATrusted by hundreds of local clients with a stellar 4.9-star rating.
1984 Alafaya Trail #1014, Oviedo, FL 32765, USATrusted by 65 local clients with a perfect 5.0-star rating.
3505 Lake Lynda Dr, Orlando, FL 32817, USAMortgage 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 | Patrick McDaniel, Movement Mortgage59 Alafaya Woods Blvd, Oviedo, FL 32765, USA | 5.0★ | 29 |
| #6 | Shane Donahoo3208 W State Rd 426 #1000, Oviedo, FL 32765, USA | 5.0★ | 24 |
| #7 | Blue Eagle Mortgage4919 Blackburn Ct, Orlando, FL 32826, USA | 5.0★ | 17 |
| #8 | Knights Mortgage LLC897 City Walk Ln, Oviedo, FL 32765, USA | 4.9★ | 58 |
| #9 | The Goldberg Team at CrossCountry Mortgage2637 W State Rd 426 #1001, Oviedo, FL 32765, USA | 4.9★ | 49 |
| #10 | Oviedo Home Mortgage, LLC3505 Lake Lynda Dr #200, Orlando, FL 32817, USA | — | — |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Oviedo
Highly rated Oviedo mortgage broker with 4.9 stars from 36 Google reviews.
5965 Red Bug Lake Rd 101 Unit, Winter Springs, FL 32708, USA
Rated 5.0 stars from 29 Google reviews, this Oviedo mortgage broker is highly trusted.
59 Alafaya Woods Blvd, Oviedo, FL 32765, USA
Exceptional 5.0-star rating from 24 local Google reviews in Oviedo.
3208 W State Rd 426 #1000, Oviedo, FL 32765, USA
Rated 5.0 stars from 17 Google reviews, this Oviedo mortgage broker is highly trusted.
4919 Blackburn Ct, Orlando, FL 32826, USA
Trusted by clients with a 4.9-star rating from 58 reviews.
897 City Walk Ln, Oviedo, FL 32765, USA
Top-rated Oviedo mortgage broker with 4.9 stars from nearly 50 reviews.
2637 W State Rd 426 #1001, Oviedo, FL 32765, USA
This business has no customer reviews yet, so its reputation is unrated.
3505 Lake Lynda Dr #200, Orlando, FL 32817, USA
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Mortgage Brokers in Oviedo, FL — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Redefine Home Loans | 99/100 | 5.0 ★ | 211 |
| 2 | Synergy Mortgage Powered by The Mortgage Firm | 98/100 | 4.9 ★ | 222 |
| 3 | HS Solutions Investments & Loans Inc | 93/100 | 5.0 ★ | 65 |
| 4 | Jon Smith at Guaranteed Rate Affinity (NMLS #196479) | 88/100 | 4.9 ★ | 36 |
| 5 | Patrick McDaniel, Movement Mortgage | 88/100 | 5.0 ★ | 29 |
| 6 | Shane Donahoo | 87/100 | 5.0 ★ | 24 |
| 7 | Blue Eagle Mortgage | 86/100 | 5.0 ★ | 17 |
| 8 | Knights Mortgage LLC | 90/100 | 4.9 ★ | 58 |
| 9 | The Goldberg Team at CrossCountry Mortgage | 90/100 | 4.9 ★ | 49 |
| 10 | Oviedo Home Mortgage, LLC | 15/100 | — | 0 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · July 2026
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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: July 4, 2026.
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