Pricing Guide · Sterling Heights
Mortgage Brokers Cost in Sterling Heights, MI — 2026 Price Guide
What should you pay for mortgage brokers in Sterling Heights? See real 2026 price ranges from local pros and get free quotes to compare.
As of May 2026, RatingsNearMe ranks 8 mortgage brokers in Sterling Heights, MI by verified customer ratings and review volume. The highest-rated is National Mortgage Home Loans with a 4.9-star rating from 775 verified reviews. Also in the top tier: Advantage Lending Corp and Connect Mortgage Funding, Inc.. The average rating across all listed mortgage brokers in Sterling Heights is 5 stars from 205 reviews per business on average.
Mortgage brokers in Sterling Heights: 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
8
Businesses listed
5★
Avg rating
205
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
National Mortgage Home Loans
4107 John R Rd Suite 100, Troy, MI 48085, USA
Advantage Lending Corp
804 N Main St #1a, Rochester, MI 48307, USA
Connect Mortgage Funding, Inc.
525 E Big Beaver Rd #303, Troy, MI 48083, USA
Mortgage Brokers Rankings in Sterling Heights, MI
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | National Mortgage Home Loans4107 John R Rd Suite 100, Troy, MI 48085, USA | 4.9★ | 775 |
| #2 | Advantage Lending Corp804 N Main St #1a, Rochester, MI 48307, USA | 5.0★ | 290 |
| #3 | Connect Mortgage Funding, Inc.525 E Big Beaver Rd #303, Troy, MI 48083, USA | 5.0★ | 250 |
| #4 | R-B Financial/Mortgages, Inc.44028 Mound Rd #1, Sterling Heights, MI 48314, USA | 5.0★ | 105 |
| #5 | Scope Mortgage Group LLC14140 Wayford Run, Shelby Township, MI 48315, USA | 5.0★ | 43 |
| #6 | Sock Mortgage Powered By Affinity Home Lending42633 Garfield Rd #315, Clinton Township, MI 48038, USA | 5.0★ | 96 |
| #7 | Disho Sinishtaj - EZ Fundings Home Loans8300 Hall Rd #203, Utica, MI 48317, USA | 5.0★ | 25 |
| #8 | Nebo Lending7759 Auburn Rd, Utica, MI 48317, USA | 5.0★ | 59 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Sterling Heights
R-B Financial/Mortgages, Inc.
44028 Mound Rd #1, Sterling Heights, MI 48314, USA
Scope Mortgage Group LLC
14140 Wayford Run, Shelby Township, MI 48315, USA
Sock Mortgage Powered By Affinity Home Lending
42633 Garfield Rd #315, Clinton Township, MI 48038, USA
Disho Sinishtaj - EZ Fundings Home Loans
8300 Hall Rd #203, Utica, MI 48317, USA
Nebo Lending
7759 Auburn Rd, Utica, MI 48317, USA
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Frequently Asked Questions — Mortgage Brokers in Sterling Heights
What does a mortgage broker do differently than going directly to a bank in Sterling Heights?
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 Sterling Heights?
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 MI?
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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