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Low Cost · Queens
Cheap Mortgage Brokers in Queens, NY — Best Prices
Compare mortgage brokers prices in Queens 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 Queens, NY by verified customer ratings and review volume. The highest-rated is MortgageDepot with a 4.9-star rating from 577 verified reviews. Also in the top tier: R&J Capital Mortgage & Loan Brokers of NY and Grayton Mortgage, Inc.. The average rating across all listed mortgage brokers in Queens is 4.9 stars from 282 reviews per business on average.
Mortgage brokers in Queens: 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
4.9★
Avg rating
282
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
MortgageDepot
125-10 Queens Blvd STE 316, Kew Gardens, NY 11415, USA
R&J Capital Mortgage & Loan Brokers of NY
80-02 Kew Gardens Rd Suite 1040, Forest Hills, NY 11375, USA
Grayton Mortgage, Inc.
37 Greenpoint Ave, 414 Mailbox 32, Brooklyn, NY 11222, USA
Mortgage Brokers Rankings in Queens, NY
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | MortgageDepot125-10 Queens Blvd STE 316, Kew Gardens, NY 11415, USA | 4.9★ | 577 |
| #2 | R&J Capital Mortgage & Loan Brokers of NY80-02 Kew Gardens Rd Suite 1040, Forest Hills, NY 11375, USA | 5.0★ | 454 |
| #3 | Grayton Mortgage, Inc.37 Greenpoint Ave, 414 Mailbox 32, Brooklyn, NY 11222, USA | 5.0★ | 68 |
| #4 | GoRascal185 Wythe Ave Suite A2, Brooklyn, NY 11249, USA | 4.9★ | 416 |
| #5 | GuardHill Financial LLC140 E 45th St 31st fl, New York, NY 10017, USA | 4.8★ | 254 |
| #6 | Pan Am Mortgage116 E 30th St, New York, NY 10016, USA | 5.0★ | 43 |
| #7 | Amerifund Home Mortgage LLC1177 6th Ave 5th floor, New York, NY 10036, USA | 4.1★ | 14 |
| #8 | R&J Mortgage & Loan Brokers Manhattan NYC31 W 34th St. #7162, New York, NY 10001, USA | 4.8★ | 20 |
| #9 | Block Financial Resources1123 Broadway #921, New York, NY 10010, USA | 4.8★ | 97 |
| #10 | Lee's Brokerage Co191 Canal St # 402, New York, NY 10013, USA | 5.0★ | 1 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Queens
GoRascal
185 Wythe Ave Suite A2, Brooklyn, NY 11249, USA
GuardHill Financial LLC
140 E 45th St 31st fl, New York, NY 10017, USA
Pan Am Mortgage
116 E 30th St, New York, NY 10016, USA
Amerifund Home Mortgage LLC
1177 6th Ave 5th floor, New York, NY 10036, USA
R&J Mortgage & Loan Brokers Manhattan NYC
31 W 34th St. #7162, New York, NY 10001, USA
Block Financial Resources
1123 Broadway #921, New York, NY 10010, USA
Lee's Brokerage Co
191 Canal St # 402, New York, NY 10013, USA
Morty
180 Varick St #816, New York, NY 10014, USA
Jessica Coen, Mortgage Lender - Your Mortgage Sherpa
258 City Island Ave, Bronx, NY 10464, USA
US Mortgage Corporation - Bronx
258 City Island Ave, Bronx, NY 10464, USA
Brian Scott Cohen (NMLS #410025) at Guaranteed Rate Affinity (NMLS #1598647)
348 W 14th St Second Floor, New York, NY 10014, USA
Jumbo Mortgage & Construction Mortgage
2 Wall St, New York, NY 10005, USA
Better
1 World Trade Center 80th Floor, New York, NY 10007, USA
Lending Buddy
One World Trade Center, 285 Fulton St, New York, NY 10007, USA
The Fisher Mortgage Group @ UNMB Home Loans Inc
2105 Williamsbridge Rd 2nd Floor, Bronx, NY 10461, USA
LoanDepot Frances Nieves NMLS 460038 Mortgage Lender
5 Marine Vw Plz, Hoboken, NJ 07030, USA
NJ Lenders Corp.- Hoboken, NJ (NMLS# 1381344)
33-41 Newark St. Suite 4B, Hoboken, NJ 07030, USA
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Frequently Asked Questions — Mortgage Brokers in Queens
What does a mortgage broker do differently than going directly to a bank in Queens?
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 Queens?
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 NY?
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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