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Local services · Cary, NC/Updated June 13, 2026

The Best Mortgage Brokers in Cary, NC

Find the most trusted mortgage brokers in Cary, NC, based on real reviews and expert evaluations.

Editorially independent8 companies evaluated
cover story
★ Editor's ChoiceVIVA Lending Group LLC - Suneel Kommireddy (Mortgage Broker)
96Score
Latest update · June 13, 2026: Initial ranking published. 8 Cary-metro mortgage brokers businesses evaluated, top 8 ranked by Vetted Score.

Finding a reliable mortgage broker is essential for securing the best financing options for your home. Cary, NC, has a range of mortgage brokers who can help guide you through the intricate process of obtaining a mortgage or refinancing an existing one.

We evaluated eight local mortgage brokers based on their customer reviews, ratings, and overall service quality. Our goal was to highlight those who consistently deliver exceptional service and value to their clients.

8providers evaluated in Cary
4.95average rating across the field
851customer reviews analyzed

Cityvetted analysis of public Google review data, updated June 13, 2026.

How much does this service cost in Cary? See the price breakdown →

Our top picks

At a glance · three categories
Editor's Choice
96Score

With a perfect rating of 5 from 373 reviews, VIVA Lending Group LLC stands out for its personalized service and expert advice.

Read full review
Best Value
95Score

7 Locks Lending — Mortgages & Refinancing

★★★★★5.0(81 reviews)

7 Locks Lending boasts a 5-star rating from 81 reviews, highlighting its competitive rates and customer-friendly approach.

Read full review
Most Reviewed
92Score

First Home Mortgage - Cary/Raleigh

★★★★★4.9(125 reviews)

First Home Mortgage holds a rating of 4.9 from 125 reviews, with clients praising their thoroughness and dedication.

Read full review

All 8, compared

Data as of June 13, 2026
BusinessVetted ScoreGoogle ratingReviewsBest for
1
96Score
5.0★★★★★
373Tailored mortgage solutions
2
95Score
5.0★★★★★
81Affordable mortgage options
3
92Score
4.9★★★★★
125First-time homebuyers
4
91Score
5.0★★★★★
53Customized mortgage solutions
5
90Score
5.0★★★★★
48Tech-savvy mortgage solutions
6
88Score
4.8★★★★★
100Detailed mortgage consultations
7
85Score
4.9★★★★★
44Community-focused mortgage solutions
8
82Score
5.0★★★★★
27Simple mortgage processes
Methodology

How we evaluated all 8 providers.

Our evaluation process involves analyzing customer feedback and ratings across multiple platforms, ensuring a comprehensive view of each business. No company pays for placement in our rankings, guaranteeing impartiality.

We refresh our rankings monthly, incorporating the latest review data to keep our recommendations current and relevant for consumers seeking mortgage services in Cary.

The Vetted Score: six weighted factors

Customer sentiment25%
Rating quality20%
Review volume & velocity20%
Website trust signals15%
Service breadth10%
Business longevity10%

Sentiment is measured by AI analysis of review text, recency-weighted, with verified-pattern checks to discount suspicious review bursts.

Full reviews

The rankings · in order
1
★ Editor's Choice

VIVA Lending Group LLC - Suneel Kommireddy (Mortgage Broker)

★★★★★5.0(373 reviews)
96Score

With a perfect rating of 5 from 373 reviews, VIVA Lending Group LLC stands out for its personalized service and expert advice. Clients praise Suneel Kommireddy for his responsiveness and ability to simplify the mortgage process. While the volume of reviews is impressive, some clients noted longer wait times during peak periods.

Pros

  • Personalized service
  • Highly responsive
  • Expert advice

Cons

  • Longer wait times during peak periods
  • Limited physical locations
Best forTailored mortgage solutions
Service areaCary, NC
Typical pricing$300 to $600 application fee
2
Best Value

7 Locks Lending — Mortgages & Refinancing

★★★★★5.0(81 reviews)
95Score

7 Locks Lending boasts a 5-star rating from 81 reviews, highlighting its competitive rates and customer-friendly approach. Many reviewers appreciate the transparency in their process, making it easier to understand the terms of their loans. However, their lower review count compared to others raises questions about long-term reliability. That is a substantial body of feedback for a local operator, enough to trust the rating rather than credit a lucky streak. Most of what reviewers hire it for is affordable mortgage options. It serves Cary, NC, with $300 to $600 application fee pricing, and the honest trade-offs are lower review count and limited service range.

Pros

  • Competitive rates
  • Transparent process
  • Customer-friendly

Cons

  • Lower review count
  • Limited service range
Best forAffordable mortgage options
Service areaCary, NC
Typical pricing$300 to $600 application fee
3
Most Reviewed

First Home Mortgage - Cary/Raleigh

★★★★★4.9(125 reviews)
92Score

First Home Mortgage holds a rating of 4.9 from 125 reviews, with clients praising their thoroughness and dedication. They are particularly noted for their first-time homebuyer programs, which simplify the mortgage process. Some clients mentioned occasional communication delays, which can be frustrating. That is a substantial body of feedback for a local operator, enough to trust the rating rather than credit a lucky streak. Most of what reviewers hire it for is first-time homebuyers. It serves Cary, NC, with $300 to $600 application fee pricing, and the honest trade-offs are occasional communication delays and higher fees than some competitors.

Pros

  • Thorough service
  • Great for first-time buyers
  • Dedicated staff

Cons

  • Occasional communication delays
  • Higher fees than some competitors
Best forFirst-time homebuyers
Service areaCary, NC
Typical pricing$300 to $600 application fee
4

Mortgage Choice NMLS 89877

★★★★★5.0(53 reviews)
91Score

Mortgage Choice NMLS 89877 has earned a 5-star rating from 53 reviews, with clients frequently praising their knowledgeable staff and efficient service. They excel in providing tailored mortgage solutions. However, their limited number of reviews makes their reliability somewhat unproven. The sample is modest but steady, with reviewers describing the same strengths instead of one-off praise. Most of what reviewers hire it for is customized mortgage solutions. It serves Cary, NC, with $300 to $600 application fee pricing, and the honest trade-offs are limited number of reviews and less visibility in the market.

Pros

  • Knowledgeable staff
  • Efficient service
  • Tailored solutions

Cons

  • Limited number of reviews
  • Less visibility in the market
Best forCustomized mortgage solutions
Service areaCary, NC
Typical pricing$300 to $600 application fee
5

Revolution Mortgage

★★★★★5.0(48 reviews)
90Score

Revolution Mortgage also holds a 5-star rating, with 48 reviews praising their innovative approach and customer service. Clients appreciate their tech-savvy solutions that streamline the mortgage process. However, the small review base may make potential clients hesitant. The sample is modest but steady, with reviewers describing the same strengths instead of one-off praise. Most of what reviewers hire it for is tech-savvy mortgage solutions. It serves Cary, NC, with $300 to $600 application fee pricing, and the honest trade-offs are small review base and limited physical locations.

Pros

  • Innovative approach
  • Excellent customer service
  • Tech-savvy solutions

Cons

  • Small review base
  • Limited physical locations
Best forTech-savvy mortgage solutions
Service areaCary, NC
Typical pricing$300 to $600 application fee
6

Miller Lending Group

★★★★★4.8(100 reviews)
88Score

Miller Lending Group has a rating of 4.8 from 100 reviews, with clients often highlighting their professionalism and attention to detail. They are well-regarded for their thorough explanations of mortgage terms. Some clients mentioned that their processes can be slower than expected, which may be a drawback for those in a hurry.

Pros

  • Professional staff
  • Attention to detail
  • Thorough explanations

Cons

  • Slower processes
  • Higher fees
Best forDetailed mortgage consultations
Service areaCary, NC
Typical pricing$300 to $600 application fee
7
85Score

Carolina Mortgage Authority has a solid rating of 4.9 from 44 reviews, with clients appreciating their personalized service and community involvement. They focus on local clients and tailor their services accordingly. However, the limited number of reviews raises questions about their overall reliability. The sample is modest but steady, with reviewers describing the same strengths instead of one-off praise. Most of what reviewers hire it for is community-focused mortgage solutions. It serves Cary, NC, with $300 to $600 application fee pricing, and the honest trade-offs are limited review base and higher fees compared to some competitors.

Pros

  • Personalized service
  • Community involvement
  • Local focus

Cons

  • Limited review base
  • Higher fees compared to some competitors
Best forCommunity-focused mortgage solutions
Service areaCary, NC
Typical pricing$300 to $600 application fee
8

Best Mortgage Lending Corp

★★★★★5.0(27 reviews)
82Score

Best Mortgage Lending Corp boasts a 5-star rating from 27 reviews, with clients praising their straightforward process and helpful staff. They provide a range of loan options suitable for various needs. However, their limited review count makes it hard to assess their reliability fully. The review base is still thin, so we read the rating as promising rather than proven and weighted it accordingly. Most of what reviewers hire it for is simple mortgage processes. It serves Cary, NC, with $300 to $600 application fee pricing, and the honest trade-offs are limited review count and less established in the market.

Pros

  • Straightforward process
  • Helpful staff
  • Variety of loan options

Cons

  • Limited review count
  • Less established in the market
Best forSimple mortgage processes
Service areaCary, NC
Typical pricing$300 to $600 application fee
Before you book

How to choose a mortgage broker in Cary

Selecting the right mortgage broker can significantly impact your home buying experience. Here are key factors to consider when making your choice.

Experience

Look for brokers with a solid track record and extensive knowledge of the local market.

Customer Reviews

Read reviews to gauge client satisfaction and the broker's responsiveness to concerns.

Range of Services

Choose a broker who offers a variety of mortgage options to suit your financial situation.

Transparent Fees

Ensure the broker provides clear information about their fees and any potential costs involved.

What it costs

What mortgage services cost in Cary

The cost of mortgage services can vary based on the broker and the complexity of your needs. Here’s a breakdown of typical pricing in Cary.

Loan Origination FeeTypically ranges from 0.5% to 1% of the loan amount.
Application FeesThese can range from $300 to $600, depending on the broker.
Closing CostsExpect closing costs to be about 2% to 5% of the loan amount.
Monthly Mortgage InsuranceThis can vary widely, often adding $50 to $200 to your monthly payment.

Frequently asked questions

How much does mortgage services cost in Cary?

Typical costs range from $300 to $600 for application fees, with closing costs being about 2% to 5% of the loan amount.

What should I look for in a mortgage broker?

Consider their experience, customer reviews, range of services, and transparency regarding fees.

How often is this ranking updated?

We re-run the full analysis monthly with fresh review data. Last updated June 13, 2026.

Our verdict

For most Cary homeowners: Editor's Choice VIVA Lending Group LLC

For those seeking reliable mortgage services in Cary, NC, the top choices are VIVA Lending Group LLC, 7 Locks Lending, and First Home Mortgage. Each offers unique strengths, from personalized service to competitive rates, ensuring clients find the right fit for their mortgage needs.