Low Cost · Schertz
Cheap Mortgage Brokers in Schertz, TX — Best Prices
Compare mortgage brokers prices in Schertz to find the best deal. All businesses are reviewed — cheap doesn't mean low quality.
As of July 2026, RatingsNearMe ranks 12 mortgage brokers in Schertz, TX by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Joel Comp - The CompFactor with a 5.0-star rating from 90 Google reviews and an RNM Score of 83/100. Also in the top tier: Guild Mortgage - Helen Bernatek and Holland Home Loans LLC empowered by NEXA Lending - Becca Holland. The average rating across all listed mortgage brokers in Schertz is 5 stars from 51 reviews per business on average.
Mortgage brokers in Schertz: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated July 4, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
Triton Group at Legacy Mutual Mortgage
Triton Group at Legacy Mutual Mortgage stands out as top-ranked due to its exceptional local reputation and strong customer satisfaction in the Schertz area.
Most Reviewed
Chase Mortgage
Having the most reviews indicates a broad base of customer experiences, which helps future clients gauge service consistency and reliability.
When choosing a mortgage broker in Schertz, compare local expertise and responsiveness, not just online reviews. Also verify that the broker offers the loan types and rates that best fit your financial situation.
Local Market Snapshot
12
Businesses listed
5★
Avg rating
51
Avg reviews
Jul 4, 2026
Last updated
Top Rated Mortgage Brokers
Schertz mortgage broker with a perfect 5.0-star rating from 90 Google reviews.
2822 N Loop 1604 W, San Antonio, TX 78248, USA5.0 stars from 87 Google reviews reflects consistently exceptional client satisfaction.
18503 Sigma Rd Suite 151, San Antonio, TX 78258, USATrusted by 86 local clients, this Schertz broker holds a flawless 5.0-star rating.
19315 FM 2252 # 305, Garden Ridge, TX 78266, USAMortgage Brokers Rankings in Schertz, TX
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Joel Comp - The CompFactor2822 N Loop 1604 W, San Antonio, TX 78248, USA | 5.0★ | 90 |
| #2 | Guild Mortgage - Helen Bernatek18503 Sigma Rd Suite 151, San Antonio, TX 78258, USA | 5.0★ | 87 |
| #3 | Holland Home Loans LLC empowered by NEXA Lending - Becca Holland19315 FM 2252 # 305, Garden Ridge, TX 78266, USA | 5.0★ | 86 |
| #4 | Guild Mortgage - Jennifer Schroen1149 E Commerce St Suite 210, San Antonio, TX 78205, USA | 5.0★ | 33 |
| #5 | Travis Winn at Veterans Lending Group816 Main St Suite E, Schertz, TX 78154, USA | 4.8★ | 16 |
| #6 | Hard Money Lenders Schertz1996 Schertz Pkwy, Schertz, TX 78154, USA | — | — |
| #7 | Daniel Ganoe - Mortgage Broker - Texas United Mortgage - NMLS# 16467574917 FM3009, Schertz, TX 78154, USA | — | — |
| #8 | Winn Team at Texana - Schertz816 Main St Suite E, Schertz, TX 78154, USA | 5.0★ | 57 |
| #9 | Cat Blackmon Realtor® | Loan OfficerTwin Branch, Schertz, TX 78154, USA | 5.0★ | 17 |
| #10 | Chase Mortgage6026 FM3009, Schertz, TX 78154, USA | 5.0★ | 1 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Schertz
5.0 stars from 33 reviews, reflecting exceptional client satisfaction in Schertz.
1149 E Commerce St Suite 210, San Antonio, TX 78205, USA
Rated 4.8 stars from 16 Google reviews, this Schertz mortgage broker is highly trusted.
816 Main St Suite E, Schertz, TX 78154, USA
A local mortgage broker in Schertz with no customer reviews yet.
1996 Schertz Pkwy, Schertz, TX 78154, USA
A new mortgage broker in Schertz, TX, with no customer reviews yet.
4917 FM3009, Schertz, TX 78154, USA
Trusted by 57 clients with a perfect 5.0-star rating in Schertz.
816 Main St Suite E, Schertz, TX 78154, USA
Trusted by local clients with a perfect 5.0-star rating across 17 reviews.
Twin Branch, Schertz, TX 78154, USA
Earns a perfect 5.0-star rating from its first Google reviews in Schertz.
6026 FM3009, Schertz, TX 78154, USA
Trusted by 67 clients with a perfect 5.0-star rating.
1200 S Trade Days Blvd Suite 100, Canton, TX 75103, USA
Holds a stellar 4.8-star rating from 59 reviews in Schertz, Texas.
3820 FM3009 #148, Schertz, TX 78154, USA
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Mortgage Brokers in Schertz, TX — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Joel Comp - The CompFactor | 83/100 | 5.0 ★ | 90 |
| 2 | Guild Mortgage - Helen Bernatek | 83/100 | 5.0 ★ | 87 |
| 3 | Holland Home Loans LLC empowered by NEXA Lending - Becca Holland | 83/100 | 5.0 ★ | 86 |
| 4 | Guild Mortgage - Jennifer Schroen | 77/100 | 5.0 ★ | 33 |
| 5 | Travis Winn at Veterans Lending Group | 70/100 | 4.8 ★ | 16 |
| 6 | Hard Money Lenders Schertz | 3/100 | — | 0 |
| 7 | Daniel Ganoe - Mortgage Broker - Texas United Mortgage - NMLS# 1646757 | 3/100 | — | 0 |
| 8 | Winn Team at Texana - Schertz | 80/100 | 5.0 ★ | 57 |
| 9 | Cat Blackmon Realtor® | Loan Officer | 74/100 | 5.0 ★ | 17 |
| 10 | Chase Mortgage | 62/100 | 5.0 ★ | 1 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · July 2026
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Frequently Asked Questions — Mortgage Brokers in Schertz
What does a mortgage broker do differently than going directly to a bank in Schertz?
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 Schertz?
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: July 4, 2026.
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