24/7 Available · Reno
24-Hour Mortgage Brokers in Reno, NV — Always Available
Emergencies don't keep business hours. These mortgage brokers in Reno are available 24 hours a day, 7 days a week — including holidays.
As of May 2026, RatingsNearMe ranks 20 mortgage brokers in Reno, NV by verified customer ratings and review volume. The highest-rated is Guild Mortgage - Jorge I Montoya Morales with a 5.0-star rating from 604 verified reviews. Also in the top tier: Gold Star Mortgage - Mike Richardson and Home Wealth Funding, Inc. The average rating across all listed mortgage brokers in Reno is 5 stars from 162 reviews per business on average.
Mortgage brokers in Reno: 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
162
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Guild Mortgage - Jorge I Montoya Morales
5370 Kietzke Ln Suite 101 & 103, Reno, NV 89511, USA
Gold Star Mortgage - Mike Richardson
300 E 2nd St Suite 1205, Reno, NV 89501, USA
Home Wealth Funding, Inc
5595 Kietzke Ln #100, Reno, NV 89511, USA
Mortgage Brokers Rankings in Reno, NV
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Guild Mortgage - Jorge I Montoya Morales5370 Kietzke Ln Suite 101 & 103, Reno, NV 89511, USA | 5.0★ | 604 |
| #2 | Gold Star Mortgage - Mike Richardson300 E 2nd St Suite 1205, Reno, NV 89501, USA | 5.0★ | 397 |
| #3 | Home Wealth Funding, Inc5595 Kietzke Ln #100, Reno, NV 89511, USA | 5.0★ | 302 |
| #4 | Raintree Mortgage: Chad Satterwhite, Mortgage Broker NMLS #293351150 W Huffaker Ln # 104, Reno, NV 89511, USA | 5.0★ | 46 |
| #5 | Rory Butler - Gold Star Mortgage300 E 2nd St Suite 1205, Reno, NV 89501, USA | 5.0★ | 65 |
| #6 | Evergreen Home Loans Reno NMLS 16419226151 Lakeside Dr Suite 2100, Reno, NV 89511, USA | 5.0★ | 100 |
| #7 | Guild Mortgage - The Hulbert Brazil Team5370 Kietzke Ln Suite 101 & 103, Reno, NV 89511, USA | 5.0★ | 247 |
| #8 | Guild Mortgage Company5370 Kietzke Ln Suite 101 & 103, Reno, NV 89511, USA | 4.7★ | 59 |
| #9 | The Gifford Team at Guild Mortgage5370 Kietzke Ln #103, Reno, NV 89511, USA | 4.9★ | 89 |
| #10 | Mason-McDuffie Mortgage Corporation6566 S McCarran Blvd suite b, Reno, NV 89509, USA | 4.9★ | 165 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Reno
Raintree Mortgage: Chad Satterwhite, Mortgage Broker NMLS #293351
150 W Huffaker Ln # 104, Reno, NV 89511, USA
Rory Butler - Gold Star Mortgage
300 E 2nd St Suite 1205, Reno, NV 89501, USA
Evergreen Home Loans Reno NMLS 1641922
6151 Lakeside Dr Suite 2100, Reno, NV 89511, USA
Guild Mortgage - The Hulbert Brazil Team
5370 Kietzke Ln Suite 101 & 103, Reno, NV 89511, USA
Guild Mortgage Company
5370 Kietzke Ln Suite 101 & 103, Reno, NV 89511, USA
The Gifford Team at Guild Mortgage
5370 Kietzke Ln #103, Reno, NV 89511, USA
Mason-McDuffie Mortgage Corporation
6566 S McCarran Blvd suite b, Reno, NV 89509, USA
Becky Wishart | Reno Home Loans Specialist
300 E 2nd St Suite 1205, Reno, NV 89501, USA
Kevin Edwards Mortgage Broker
3500 Lakeside Ct Suite 110, Reno, NV 89509, USA
Wholesale Mortgage Services
9635 Gateway Dr # B, Reno, NV 89521, USA
Aria James, Mortgage Broker, NMLS# 158286
675 W Moana Ln #121, Reno, NV 89511, USA
Guild Mortgage - Amanda Rea
5370 Kietzke Ln Suite 101 & 103, Reno, NV 89511, USA
US Financial, LLC - Mark Lamerdin
1325 Airmotive Wy #175-D, Reno, NV 89502, USA
Kevin Areia - Mortgage Advisor at Stanford Mortgage
1170 S Rock Blvd #201, Reno, NV 89502, USA
Shivani Peterson, Mortgage Advisor
295 Holcomb Ave Suite 250, Reno, NV 89502, USA
Borrego Lending Group with Mortgage Professionals Group
5496 Reno Corporate Dr, Reno, NV 89511, USA
PrimeLending, A PlainsCapital Company - Reno
6900 S McCarran Blvd Suite 1080, Reno, NV 89509, USA
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Frequently Asked Questions — Mortgage Brokers in Reno
What does a mortgage broker do differently than going directly to a bank in Reno?
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 Reno?
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 NV?
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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