4.5+ Stars · Schertz
Highly Rated Mortgage Brokers in Schertz, TX
Only the best make this list. These mortgage brokers in Schertz have earned 4.5+ star ratings from real customers — consistently.
As of May 2026, RatingsNearMe ranks 12 mortgage brokers in Schertz, TX by verified customer ratings and review volume. The highest-rated is Joel Comp - The CompFactor with a 5.0-star rating from 90 verified reviews. 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 May 17, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
12
Businesses listed
5★
Avg rating
51
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Joel Comp - The CompFactor
2822 N Loop 1604 W, San Antonio, TX 78248, USA
Guild Mortgage - Helen Bernatek
18503 Sigma Rd Suite 151, San Antonio, TX 78258, USA
Holland Home Loans LLC empowered by NEXA Lending - Becca Holland
19315 FM 2252 # 305, Garden Ridge, TX 78266, USA
Mortgage 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 | Winn Team at Texana - Schertz816 Main St Suite E, Schertz, TX 78154, USA | 5.0★ | 57 |
| #5 | Fairway Home Mortgage1200 S Trade Days Blvd Suite 100, Canton, TX 75103, USA | 5.0★ | 67 |
| #6 | Chase Mortgage6026 FM3009, Schertz, TX 78154, USA | 5.0★ | 1 |
| #7 | Guild Mortgage - Jennifer Schroen1149 E Commerce St Suite 210, San Antonio, TX 78205, USA | 5.0★ | 33 |
| #8 | Triton Group at Legacy Mutual Mortgage3820 FM3009 #148, Schertz, TX 78154, USA | 4.8★ | 59 |
| #9 | Cat Blackmon Realtor® | Loan OfficerTwin Branch, Schertz, TX 78154, USA | 5.0★ | 17 |
| #10 | Daniel Ganoe - Mortgage Broker - Texas United Mortgage - NMLS# 16467574917 FM3009, Schertz, TX 78154, USA | — | — |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Schertz
Winn Team at Texana - Schertz
816 Main St Suite E, Schertz, TX 78154, USA
Fairway Home Mortgage
1200 S Trade Days Blvd Suite 100, Canton, TX 75103, USA
Chase Mortgage
6026 FM3009, Schertz, TX 78154, USA
Guild Mortgage - Jennifer Schroen
1149 E Commerce St Suite 210, San Antonio, TX 78205, USA
Triton Group at Legacy Mutual Mortgage
3820 FM3009 #148, Schertz, TX 78154, USA
Cat Blackmon Realtor® | Loan Officer
Twin Branch, Schertz, TX 78154, USA
Daniel Ganoe - Mortgage Broker - Texas United Mortgage - NMLS# 1646757
4917 FM3009, Schertz, TX 78154, USA
Travis Winn at Veterans Lending Group
816 Main St Suite E, Schertz, TX 78154, USA
Hard Money Lenders Schertz
1996 Schertz Pkwy, Schertz, TX 78154, USA
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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: May 17, 2026.
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