Anita GarciaHouse hunting is stressful enough. Bad mortgage experiences just make it even worse!
We kept hearing the same stories from friends and readers: brokers who vanished mid-process, quoted rates that later changed, and paperwork snafus that delayed closings. Those stories are what pushed us to act.
We interviewed local homeowners, verified credentials, and contacted brokers directly to test how they deal with clients. The result is a list of the best mortgage brokers in El Paso who actually make owning a home feel less stressful.
Check the list below!
How much does it cost to work with a mortgage broker in El Paso?
Expect to pay at least 0.5% of the loan amount if paying the mortgage broker directly, or at least a 0.5% commission amount. These are just estimated rates. The final price will depend on the mortgage broker’s fees.
1. ReAnn Gonzalez Mortgage Broker – Edge Home Finance
Address: 7362 Remcon Cir #3, El Paso
Contact Details: +1 915-595-1112
Operating Hours: Monday to Sunday – 8 AM to 5 PM
ReAnn Gonzalez at Edge Home Finance stood out to us for her friendly approach and attention to every detail.
One first-time buyer told us ReAnn’s upbeat attitude made the whole mortgage process feel a lot less stressful. She broke down each step and checked in often, so they never felt lost.
She’s known for catching the little things that others might miss and double-checks every part of the application to make sure nothing slips through.
Another couple told us ReAnn found a 0% down USDA loan they didn’t even know existed, which made the difference in them buying their first home.
Her preapproval process is quick and easy to follow too. We like that she takes the time to explain what each number means for your monthly budget, so there are no surprises.
We also found her free payment calculator and mortgage comparison tools handy for running different ‘what if’ scenarios and seeing what rates might actually look like.
The only thing to watch for is that ReAnn’s callback time can be a bit slow. One of her clients told us that sometimes it takes a day or two to hear back from her.
I wholeheartedly recommend her to anyone seeking a smooth and trustworthy
“I have had the pleasure of working with ReAnn for over a year, and she has consistently exemplified outstanding professionalism, clear and timely communication, and sound financial guidance. Throughout the process, she remained approachable and responsive, addressing even the smallest questions with patience and clarity.
What truly set ReAnn apart was her client-centered approach — never once did we feel pressured or rushed into making decisions. Her integrity and calm disposition made us feel confident and well-supported every step of the way.
We evaluated several other lenders (four to five in total), but none matched the level of expertise, responsiveness, and overall service that ReAnn provided. In summary, she is highly knowledgeable, remarkably dependable, and offered us a competitive rate with full transparency. I wholeheartedly recommend her to anyone seeking a smooth and trustworthy lending experience.”
- Mohammad Saidur Rahman Google Reviews
She is very knowledgeable, very responsive
“ReAnn was amazing to work with. This is our second home purchase and both times she has gone above and beyond to help make the process as smooth as possible. She is very knowledgeable, very responsive, and she is always looking out for the best interest for her clients. When we decided to purchase this second time around, it was a no brainer that we wanted to work with ReAnn. Thank you for helping us get into our new home!”
- Karla Rivera Google Reviews
2. Guild Mortgage – Randi Cabrera
Address: 306 Thunderbird Dr Suite A7
Contact Details: +1 915-204-3867
Operating Hours: Monday to Friday – 8 AM to 5 PM
Randi Cabrera at Guild Mortgage is the kind of broker who helps people actually understand the mortgage process.
A buyer mentioned that Randi didn’t just list loan programs—she actually broke down the pros and cons of each, so they could see which fit their situation best.
What stood out to us is that when someone asks for a custom quote, Randi doesn’t just fire off a standard rate sheet. He actually calls to ask about their goals, budget, and even what people want their life to look like in five years.
We also found Randi a great pick for those who think they won’t qualify. We heard from a young couple who thought their low credit score would shut every door, but Randi found a down payment assistance program that actually worked for them.
The temporary buydown calculator and home equity tools are also really helpful. They can help many aspiring homeowners map out what they could actually afford, not just now but years from now.
Our only gripe? She isn’t always available for in-person appointments.
She’s extremely knowledgeable, always available to answer questions
“Randi did an amazing job helping my clients with their loan to purchase their new home! She’s extremely knowledgeable, always available to answer questions, and such a kind and easy person to talk to. Her professionalism and care made the entire process smooth and stress-free. Highly recommend!
Ethel Szafer/Texas Realtor/Austin-El Paso”
- V. Ethel Szafer Google Reviews
Proactive and solution-focused
“What made it great was your clear communication, responsiveness, and how smooth you made the process for both me and the clients. It’s not always easy to find a lender who stays proactive and solution-focused the way you did, and I truly appreciate that level of professionalism. Looking forward to doing more deals together in the future!”
- Krystal Terrazas Google Reviews
3. Insight Mortgage Company
Address: 300 Thunderbird Dr, El Paso,
Contact Details: +1 915-525-3053
Operating Hours: Monday to Friday – 8:30 AM to 5 PM
Shawn and his team at Insight Mortgage Company stand out for making things simple, even for those totally new to mortgages. Right away, their rate quotes are clear, and there’s no pressure to commit.
One person told us the team actually walked her through all the different loan types—FHA, VA, USDA, and conventional. They then explained which one would make the most sense for her.
Another client of theirs shared that her mortgage broker stuck with her for weeks, helping her weigh whether to refinance or stick with her original loan.
Their online tools are a real time-saver too. The payment calculator and preapproval letter generator meant we didn’t have to make a bunch of phone calls.
One person said the free refinance analysis helped her decide whether it was even worth moving forward. The numbers were easy to follow, thanks to the way everything was broken down.
The only thing we didn’t love? Sometimes people end up stuck on hold when they call. One guy said he was waiting on the phone for at least 15 minutes.
They communicated every step of the way
“Shawn and his team were great to work with. They communicated every step of the way and I appreciated the weekly updates. If Shawn needed forms completed he would email them over along with video tutorials explaining the why and how to complete it, just another great example of how he went above and beyond to make the home buying process run smoothly. I highly recommend Shawn and his team!”
- Laura Martinez Google Reviews
He was a pleasure to work with!
“Shawn was great to work with. His communication really is next level top tier! As a first time home buyer he made sure to explain and answer any questions I may have had along the way. He was a pleasure to work with!”
- marvin martinez Google Reviews
4. Nathan Stringfield at CrossCountry Mortgage
Address: 6700 N Mesa St Suite 1
Contact Details: +1 915-201-4820
Operating Hours: Monday to Friday- 8:30 AM to 5 PM
Nathan Stringfield at CrossCountry Mortgage is the go-to guy for down payment assistance. He actually takes the time to dig into his clients’ finances and keeps them in the loop at every step, so they’re not left guessing which program best fits them.
One homebuyer told us that after just one call, Nathan walked her through the Chenoa Fund, which can cover 3.5% or 5% of your down payment. Thanks to his help, she snagged her place before prices shot up.
What we liked most was how Nathan explained everything in plain English. No jargon, no hard sell—just straight answers to every question we threw at him.
From pre-approval to move-in, Nathan keeps things running smoothly. A local business owner mentioned that Nathan’s team swooped in to untangle a paperwork mess just days before closing, saving the deal at the last minute.
The only thing to watch out for: Nathan is very hands-on, maybe a little too much for people who prefer to keep things digital.
His communication is clear, his knowledge is unmatched,
“I’ve worked with Nathan on multiple transactions, and he is truly one of the best. His communication is clear, his knowledge is unmatched, and he always goes above and beyond for every client. I recommend Nathan to all of my buyers for their lending needs. He makes the process smooth, stress free, and reliable every time.”
- Jennifer Bridges Google Reviews
He patiently walked me through every step, ensuring I understood all my options
“From our first conversation, it was clear that Nathan not only had an in-depth understanding of the VA loan process but also a genuine passion for helping veterans achieve their dreams of owning a home. He patiently walked me through every step, ensuring I understood all my options and the benefits available to me. Nathan’s ability to explain complex concepts in a clear, straightforward manner made the entire process feel manageable and less intimidating.”
- Hector Rangel Google Reviews
5. New American Funding – Leslie Bergen
Address: 550 S Mesa Hills Dr Suite F-1,
Contact Details: +1 915-479-5626
Operating Hours: Monday to Friday – 9 AM to 5 PM
Leslie Bergen at New American Funding has a knack for making homeownership feel within reach, even for buyers who thought the door was closed.
She uses New America’s Funding Pathway to Homeownership program to help people with low credit scores and first-time homebuyers secure their dream home.
Buyers can get up to $6,000 in down payment help, and Leslie shows them how to stack it with other programs for even more support.
One buyer shared that Leslie patiently walked them through every step and answered every question. Thanks to her help, they were able to move into their new home right away.
Leslie’s online resources are helpful too. One person mentioned that the online calculators, primarily the amortisation and refinance tools, broke down exactly what they’d owe over time. It made the numbers feel a lot less intimidating.
The only thing we’d flag is the updates on the FHA loan approval process. While Leslie is patient and helpful during the application, one person didn’t get an update after a week and had to ask for one themselves.
Leslie and Megan were excellent, beyond helpful, informative, quick & efficient.
“10/10 if there was a higher ranking I wouldn’t hesitate to rate them. Leslie and Megan were excellent, beyond helpful, informative, quick & efficient. They made the process so easy and were always professional and easy to work with. Leslie was very knowledgeable and answered all of my questions in a timely manner. She helped give me peace of mind for the whole process with great service and friendly interactions. They were both outstanding and incredibly amazing! Thank you for getting our dream home fully funded you all are definitely the best!!!”
- Carla Garcia Google Reviews
Very patient and answered every question
“Working with Leslie has been nothing short of excellent! Leslie and her team were great help the whole way. Very patient and answered every question we had throughout the whole process. I would definitely use them in the future and would very highly recommend them to anyone!”
- Armando Duarte Google Reviews
