Low Cost · Smyrna
Cheap Mortgage Brokers in Smyrna, TN — Best Prices
Compare mortgage brokers prices in Smyrna to find the best deal. All businesses are reviewed — cheap doesn't mean low quality.
As of May 2026, RatingsNearMe ranks 13 mortgage brokers in Smyrna, TN by verified customer ratings and review volume. The highest-rated is Valor Mortgage with a 5.0-star rating from 108 verified reviews. Also in the top tier: Keith Morrow, SWBC Mortgage and Tower Loan. The average rating across all listed mortgage brokers in Smyrna is 4.4 stars from 40 reviews per business on average.
Mortgage brokers in Smyrna: 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
13
Businesses listed
4.4★
Avg rating
40
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Keith Morrow, SWBC Mortgage
611 Potomac Pl #120, Smyrna, TN 37167, USA
Tower Loan
12974 Old Nashville Hwy, Smyrna, TN 37167, USA
Mortgage Brokers Rankings in Smyrna, TN
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Valor Mortgage724 S Main St, Springfield, TN 37172, USA | 5.0★ | 108 |
| #2 | Keith Morrow, SWBC Mortgage611 Potomac Pl #120, Smyrna, TN 37167, USA | 5.0★ | 126 |
| #3 | Tower Loan12974 Old Nashville Hwy, Smyrna, TN 37167, USA | 4.9★ | 108 |
| #4 | Ruth Perez, SWBC Mortgage611 Potomac Pl #120, Smyrna, TN 37167, USA | 5.0★ | 3 |
| #5 | FirstBank Mortgage724 President Pl, Smyrna, TN 37167, USA | 5.0★ | 6 |
| #6 | DHI Mortgage819 Seven Oaks Blvd, Smyrna, TN 37167, USA | 1.0★ | 1 |
| #7 | Renee Wyatt Goodrich, SWBC Mortgage611 Potomac Pl #120, Smyrna, TN 37167, USA | 5.0★ | 16 |
| #8 | Nexa Mortgage LLC / Billy Carver Branch Manager1241 Rock Springs Rd, Smyrna, TN 37167, USA | 5.0★ | 21 |
| #9 | US Bank Mortgage345 Sam Ridley Pkwy W, Smyrna, TN 37167, USA | 2.5★ | 2 |
| #10 | Loan Officer - 202104661 Fitzhugh Blvd Suite 135, Smyrna, TN 37167, USA | — | — |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Smyrna
Ruth Perez, SWBC Mortgage
611 Potomac Pl #120, Smyrna, TN 37167, USA
FirstBank Mortgage
724 President Pl, Smyrna, TN 37167, USA
DHI Mortgage
819 Seven Oaks Blvd, Smyrna, TN 37167, USA
Renee Wyatt Goodrich, SWBC Mortgage
611 Potomac Pl #120, Smyrna, TN 37167, USA
Nexa Mortgage LLC / Billy Carver Branch Manager
1241 Rock Springs Rd, Smyrna, TN 37167, USA
US Bank Mortgage
345 Sam Ridley Pkwy W, Smyrna, TN 37167, USA
Loan Officer - 202104
661 Fitzhugh Blvd Suite 135, Smyrna, TN 37167, USA
Accurate Mortgage Group - Smyrna
701 President Pl #165, Smyrna, TN 37167, USA
Wendy Thompson Team Smyrna Mortgage Brokers & Lending Company
301 Wolverine Trail, Smyrna, TN 37167, USA
Bob Hefty
508 Princeton Rd STE 201, Johnson City, TN 37601, USA
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Frequently Asked Questions — Mortgage Brokers in Smyrna
What does a mortgage broker do differently than going directly to a bank in Smyrna?
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 Smyrna?
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 TN?
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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