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Pricing Guide · Sandy Springs
Mortgage Brokers Cost in Sandy Springs, TX — 2026 Price Guide
What should you pay for mortgage brokers in Sandy Springs? See real 2026 price ranges from local pros and get free quotes to compare.
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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