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Low Cost · Prosper
Cheap Mortgage Brokers in Prosper, TX — Best Prices
Compare mortgage brokers prices in Prosper to find the best deal. All businesses are reviewed — cheap doesn't mean low quality.
As of May 2026, RatingsNearMe ranks 20 mortgage brokers in Prosper, TX by verified customer ratings and review volume. The highest-rated is Justin Hill - Eagle Mortgage Company - NMLS# 2009477 with a 5.0-star rating from 157 verified reviews. Also in the top tier: Caprock Home Loans and Private Mortgage Group. The average rating across all listed mortgage brokers in Prosper is 5 stars from 89 reviews per business on average.
Mortgage brokers in Prosper: 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
20
Businesses listed
5★
Avg rating
89
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Justin Hill - Eagle Mortgage Company - NMLS# 2009477
202 S Coleman St Suite 300A, Prosper, TX 75078, USA
Caprock Home Loans
130 N Preston Rd, Prosper, TX 75078, USA
Private Mortgage Group
130 N Preston Rd Ste 318, Prosper, TX 75078, USA
Mortgage Brokers Rankings in Prosper, TX
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Justin Hill - Eagle Mortgage Company - NMLS# 2009477202 S Coleman St Suite 300A, Prosper, TX 75078, USA | 5.0★ | 157 |
| #2 | Caprock Home Loans130 N Preston Rd, Prosper, TX 75078, USA | 5.0★ | 95 |
| #3 | Private Mortgage Group130 N Preston Rd Ste 318, Prosper, TX 75078, USA | 5.0★ | 4 |
| #4 | McGee Residential Mortgage, LLC8519 Brown Stone Ln, Frisco, TX 75033, USA | 5.0★ | 20 |
| #5 | Tom Sherman - Benchmark Mortgage1402 S Custer Rd #901, McKinney, TX 75070, USA | 5.0★ | 82 |
| #6 | Mike Remington - Benchmark Mortgage1402 S Custer Rd #901, McKinney, TX 75072, USA | 5.0★ | 13 |
| #7 | CORE Mortgage1402 S Custer Rd #204, McKinney, TX 75072, USA | 4.8★ | 231 |
| #8 | Patrick Dixon, Mortgage Broker NMLS #18148828305 Pinnacle Dr, Frisco, TX 75033, USA | 5.0★ | 6 |
| #9 | First Rate Financial LLC14083 Badlands Dr, Frisco, TX 75035, USA | 4.9★ | 155 |
| #10 | Richardson Mortgage9355 John W. Elliott Dr 25 Suite 25604, Frisco, TX 75033, USA | 5.0★ | 95 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Prosper
McGee Residential Mortgage, LLC
8519 Brown Stone Ln, Frisco, TX 75033, USA
Tom Sherman - Benchmark Mortgage
1402 S Custer Rd #901, McKinney, TX 75070, USA
Mike Remington - Benchmark Mortgage
1402 S Custer Rd #901, McKinney, TX 75072, USA
Patrick Dixon, Mortgage Broker NMLS #1814882
8305 Pinnacle Dr, Frisco, TX 75033, USA
First Rate Financial LLC
14083 Badlands Dr, Frisco, TX 75035, USA
Richardson Mortgage
9355 John W. Elliott Dr 25 Suite 25604, Frisco, TX 75033, USA
Elite Lending Solutions Incorporated
8072 Preston Rd #203, Frisco, TX 75034, USA
Alliance Mortgage Group
2770 Main St #221, Frisco, TX 75033, USA
Guaranty Federal Mortgage
6351 Preston Rd #125, Frisco, TX 75034, USA
Hawkins Mortgage Group
6401 S Custer Rd, McKinney, TX 75070, USA
LendNext Mortgage Corporation
6800 Weiskopf Ave suite 150, McKinney, TX 75070, USA
AWay Home Loans, LLC NMLS# 1944472
7300 State Hwy 121 suite 300, McKinney, TX 75070, USA
James Hoglen NMLS #211689 - ITrustLendingTeam
7300 State Hwy 121 Ste 314, McKinney, TX 75070, USA
Itrustlendingteam
7300 State Hwy 121 Ste 314, McKinney, TX 75070, USA
Fairway Independent Mortgage Frisco
8000 Warren Pkwy, Frisco, TX 75034, USA
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Frequently Asked Questions — Mortgage Brokers in Prosper
What does a mortgage broker do differently than going directly to a bank in Prosper?
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 Prosper?
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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