24/7 Available · Pearland
24-Hour Mortgage Brokers in Pearland, TX — Always Available
Emergencies don't keep business hours. These mortgage brokers in Pearland are available 24 hours a day, 7 days a week — including holidays.
As of May 2026, RatingsNearMe ranks 11 mortgage brokers in Pearland, TX by verified customer ratings and review volume. The highest-rated is LB Lending with a 5.0-star rating from 116 verified reviews. Also in the top tier: Jose Alvarez TX Lender Clear Home Loans Inc and Clear Home Loans, Danny Alvarez, VP Of Mortgage Lending. The average rating across all listed mortgage brokers in Pearland is 5 stars from 45 reviews per business on average.
Mortgage brokers in Pearland: 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
11
Businesses listed
5★
Avg rating
45
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
LB Lending
2880 Broadway Bend Dr Building 3, Pearland, TX 77584, USA
Jose Alvarez TX Lender Clear Home Loans Inc
11960 W Broadway St Suite 220, Pearland, TX 77584, USA
Clear Home Loans, Danny Alvarez, VP Of Mortgage Lending
11960 W Broadway St Ste. 220, Pearland, TX 77584, USA
Mortgage Brokers Rankings in Pearland, TX
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | LB Lending2880 Broadway Bend Dr Building 3, Pearland, TX 77584, USA | 5.0★ | 116 |
| #2 | Jose Alvarez TX Lender Clear Home Loans Inc11960 W Broadway St Suite 220, Pearland, TX 77584, USA | 5.0★ | 173 |
| #3 | Clear Home Loans, Danny Alvarez, VP Of Mortgage Lending11960 W Broadway St Ste. 220, Pearland, TX 77584, USA | 5.0★ | 55 |
| #4 | Mortgage Options Of Texas LLC2404 S Grand Blvd #220A, Pearland, TX 77581, USA | 4.8★ | 20 |
| #5 | Clear Home Loans Inc: Eugenio Guajardo, VP of Mortgage Lending11960 W Broadway St suite 220, Pearland, TX 77584, USA | 5.0★ | 12 |
| #6 | Gateway Mortgage Group1000 Broadway St #110b, Pearland, TX 77581, USA | 5.0★ | 3 |
| #7 | Yesenia Benavides Lender VP Clear Home Loans Inc.11960 W Broadway St Suite 220, Pearland, TX 77584, USA | 5.0★ | 7 |
| #8 | Flagstone Financial - Mortgage4900 Woodway Dr Ste 1060, Houston, TX 77056, USA | 4.9★ | 56 |
| #9 | Peabody Capital Lending, LLC2743 Smith Ranch Rd Unit 303, Pearland, TX 77584, USA | 5.0★ | 5 |
| #10 | Mortgage Associates1506 E Broadway St Suite 102, Pearland, TX 77581, USA | 5.0★ | 41 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Pearland
Mortgage Options Of Texas LLC
2404 S Grand Blvd #220A, Pearland, TX 77581, USA
Clear Home Loans Inc: Eugenio Guajardo, VP of Mortgage Lending
11960 W Broadway St suite 220, Pearland, TX 77584, USA
Yesenia Benavides Lender VP Clear Home Loans Inc.
11960 W Broadway St Suite 220, Pearland, TX 77584, USA
Flagstone Financial - Mortgage
4900 Woodway Dr Ste 1060, Houston, TX 77056, USA
Peabody Capital Lending, LLC
2743 Smith Ranch Rd Unit 303, Pearland, TX 77584, USA
Mortgage Associates
1506 E Broadway St Suite 102, Pearland, TX 77581, USA
Esperanza Garcia - Clear Choice Home Loans, LLC
11960 W Broadway St Ste 220, Pearland, TX 77584, USA
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Frequently Asked Questions — Mortgage Brokers in Pearland
What does a mortgage broker do differently than going directly to a bank in Pearland?
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 Pearland?
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: May 17, 2026.
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