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Low Cost · Sandy Springs
Cheap Mortgage Brokers in Sandy Springs, TX — Best Prices
Compare mortgage brokers prices in Sandy Springs to find the best deal. All businesses are reviewed — cheap doesn't mean low quality.
As of June 2026, RatingsNearMe ranks 6 mortgage brokers in Sandy Springs, TX by verified customer ratings and review volume. The highest-rated is Chad Rutherford - Eagle Mortgage Company with a 5.0-star rating from 124 verified reviews. Also in the top tier: Ryan Gibson, Senior Mortgage Broker and Nathan Carver - Premier Lending, Inc.. The average rating across all listed mortgage brokers in Sandy Springs is 5 stars from 81 reviews per business on average.
Mortgage brokers in Sandy Springs: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated June 1, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
6
Businesses listed
5★
Avg rating
81
Avg reviews
Jun 1, 2026
Last updated
Top Rated Mortgage Brokers
Chad Rutherford - Eagle Mortgage Company
306 W Main St Suite B, Gunter, TX 75058, USA
Ryan Gibson, Senior Mortgage Broker
120 E Marshall St Suite B, Van Alstyne, TX 75495, USA
Nathan Carver - Premier Lending, Inc.
1605 Co Rd 377, Van Alstyne, TX 75495, USA
Mortgage Brokers Rankings in Sandy Springs, TX
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Chad Rutherford - Eagle Mortgage Company306 W Main St Suite B, Gunter, TX 75058, USA | 5.0★ | 124 |
| #2 | Ryan Gibson, Senior Mortgage Broker120 E Marshall St Suite B, Van Alstyne, TX 75495, USA | 5.0★ | 48 |
| #3 | Nathan Carver - Premier Lending, Inc.1605 Co Rd 377, Van Alstyne, TX 75495, USA | 4.9★ | 55 |
| #4 | Justin Hill - Eagle Mortgage Company - NMLS# 2009477202 S Coleman St Suite 300A, Prosper, TX 75078, USA | 5.0★ | 157 |
| #5 | Caprock Home Loans130 N Preston Rd, Prosper, TX 75078, USA | 5.0★ | 95 |
| #6 | Private Mortgage Group130 N Preston Rd Ste 318, Prosper, TX 75078, USA | 5.0★ | 4 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Mortgage Brokers in Sandy Springs
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
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Frequently Asked Questions — Mortgage Brokers in Sandy Springs
What does a mortgage broker do differently than going directly to a bank in Sandy Springs?
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 Sandy Springs?
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: June 1, 2026.
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