Top One Mortgage, LLC (Houston - NMLS # 257832) - Houston, Texas

Introduction to Top One Mortgage, LLC

Top One Mortgage, LLC stands as a notable entity within the mortgage lending sector, specifically located in the vibrant city of Houston, Texas. Operating as both a mortgage lender and a mortgage broker, the company caters to the diverse financing needs of homebuyers, sellers, and refinancers across the Houston metropolitan area and potentially beyond. With a focus on residential real estate transactions, Top One Mortgage positions itself as a facilitator for navigating the complexities of home financing.

Core Business Identity and Specialties

At its core, Top One Mortgage functions as a dedicated mortgage intermediary. Its primary activities encompass originating mortgage loans (lender role) and facilitating loan applications on behalf of borrowers (broker role). This dual capacity allows the company to serve clients by sourcing the best possible rates and terms from various investor partners, ensuring flexibility and competitive options. Their expertise lies in guiding clients through the mortgage process, from initial qualification to final loan closing, leveraging their understanding of current market conditions and loan products.

Company Location and Premises

Top One Mortgage maintains its operational headquarters at 7001 Corporate Drive, Suite 100A, Houston, Texas 77036. This strategic location places it within a significant commercial corridor in Houston, potentially offering accessibility for clients visiting the office. The company identifies itself as a women-owned business, reflecting a commitment to diversity and potentially offering a unique perspective on client interactions. Furthermore, the premises is fully equipped with a wheelchair accessible entrance and an accessible parking lot, ensuring that the facility is welcoming and usable for clients with mobility challenges, embodying principles of accessibility.

Contact Information and Digital Presence

Individuals seeking to engage with Top One Mortgage can reach the company directly via telephone at the provided number, 134846300. This direct line offers a primary point of contact for inquiries, consultation appointments, or urgent matters related to mortgage services. For those preferring digital communication or seeking more detailed information, the official website serves as a central hub: www.toponemortgage.com. While browsing this site provides valuable insights into their services and company ethos, it's worth noting that direct links or specific functionalities for Google My Business reviews may not be present on this domain.

Reputation and Client Feedback

The reputation of any financial institution is significantly shaped by client experiences, and Top One Mortgage is no exception. The company maintains a considerable footprint on Google My Business, boasting 95 customer reviews. This volume of feedback indicates active client engagement and satisfaction monitoring. A highly favorable average rating of 4.8 out of 5 underscores a strong performance in client service and product delivery. These reviews often highlight aspects such as responsive customer service, knowledgeable loan officers, competitive rates secured, and a streamlined mortgage process. Prospective clients interested in Top One Mortgage should diligently review these testimonials to gauge the consistency and quality of service offered, paying particular attention to recurring themes and any potential concerns raised by previous borrowers.

Understanding Mortgage Broker vs. Lender Dynamics

When considering engaging with Top One Mortgage, it is crucial for clients to understand the distinction between mortgage brokers and lenders. As a mortgage broker, Top One Mortgage does not typically fund loans directly. Instead, they act as a facilitator, shopping a borrower's application among multiple investor sources (lenders) where mortgage products are purchased. This broker model offers advantages such as access to a wider range of loan options, potentially leading to better rates and terms. Borrowers should inquire about broker fees, origination charges, and the specific investor partners Top One Mortgage collaborates with, as different lenders may have varying requirements and interest rates.

Services Offered

Top One Mortgage likely offers a comprehensive suite of residential mortgage products, commonly including:

• Conventional Loans: Standard mortgage options not guaranteed by the government.
• FHA Loans: Loans backed by the Federal Housing Administration, typically requiring lower down payments and credit scores.
• VA Loans: Preferred loans for U.S. veterans, service members, and eligible spouses, often with no down payment requirement.
• USDA Loans: Rural development loans for qualifying rural and suburban homebuyers, offering favorable terms.
• Refinancing Options: Assisting clients in refinancing their existing mortgages to secure better rates, shorten loan terms, or access home equity.
• First-time Homebuyer Programs: Guidance and access to programs designed to assist novice homebuyers.

Client Journey and Recommendations

For individuals considering mortgage services in the Houston area, Top One Mortgage presents itself as a viable option. The recommended approach involves initial research, which includes reviewing their online presence, verifying their NMLS registration (#257832), and examining the Google My Business reviews for anecdotal evidence and ratings. Following this, contacting the office or calling the provided number allows for a direct conversation with a representative or loan officer. Prospective clients should clearly communicate their mortgage goals (e.g., home purchase, refinance) and provide preliminary financial information (though confidentiality needs to be respected). Questions to consider include: What loan programs do they specialize in What are their estimated closing costs How do they compare rates with other lenders A thorough understanding of these elements, combined with the positive feedback indicated by the high average rating, forms a solid basis for engaging with Top One Mortgage's services.

👍 Reviews of Top One Mortgage, LLC (Houston - NMLS # 257832)

Tina

5/5

Nicole at Top One Mortgage has been an absolute rock throughout my loan process. Her professionalism, reliability, and clear communication made all the difference. She checked in with me almost daily, ensuring I was always in the loop about the status of my case. Because of her, I could rest easy at night, even during what’s typically a very stressful time.

I consider myself incredibly fortunate to have had her guidance for my first home purchase. Without her expertise, the process would have been far more challenging. I plan to work with her again in the future, including when it’s time to refinance. Beyond her professional support, we’ve also built a genuine friendship through this experience.

I also want to give a shoutout to Danni, who is equally professional and dedicated. The entire team at Top One Mortgage is top-notch—responsible, skilled, and truly committed to their clients. I can’t recommend them enough!

jinshan X.

5/5

Is my second times worked with this team, it was fantastic experience you will never have in other place. Evelyn is the best, always answer you question ASAP. Danni focus on the small detial even i had a big mistake before we send documents to the bank, i really apperciate this team and highly recommend this place!!

Kelly K.

5/5

Top One Mortgage is truly THE BEST. Michelle, Morgan, and everyone there is extremely kind, helpful, proactive, and responsive. They made the process so seamless and easy. Most importantly, got us the best rate in the market. And even reminded us of our upcoming first mortgage payment. We use Top One Mortgage for personal and our real estate investments. Definitely the most reliable and trustworthy in Houston! We can’t thank you enough Top One Mortgage!!

Myles C.

5/5

I had the best experience working with Top One Mortgage! Everything was quick and they made sure everything would go through and helped thoroughly throughout the process! Trust Top One!!!

Weixin L.

5/5

I had an exceptional experience with Top One Mortgage during my mortgage loan process, and I highly recommend their services. From start to finish, the team demonstrated professionalism, expertise, and genuine care, making the entire journey smooth and stress-free.
They were always prompt in addressing my questions and concerns. They provided clear explanations at every step, ensuring I felt well-informed and supported throughout. The closing process was seamless, thanks to their efficient coordination and attention to detail. I am now a proud homeowner, all thanks to Top One Mortgage!
If you're looking for a reliable and dedicated mortgage lender, I highly recommend Top One Mortgage. They truly go beyond delivering outstanding service.
Highly recommended!

Corey K.

5/5

I have worked with Vincent and Michelle on several transactions now. They are great to work with, incredibly knowledgable and helped me save time and money during large purchase decisions. They are very responsive and always available to answer questions, Michelle's team makes the whole application process easy and helps shop around rates to ensure I am getting the best deal possible.

I would highly recommend then and would not hesitate to reach out to them the next time I am looking to buy a home or refinance!

Nina A.

5/5

Michelle was fantastic in helping me secure a loan. Very smooth process and was very helpful. Someone I can trust for sure.

Lily C.

5/5

I wish I could give 100 stars to Evelyn instead of just 5 stars. I recently purchased my very first primary home in the US, my scenario was pretty complicated, I almost gave up on it because other loan officers told me I could not get my loan approved. Until I met Evelyn, she went through all of my financial documents thoroughly and told me she thinks there might be a solution and she would try her best. And yes I got my loan approved and was able to close on my home as well! I am so happy and I would recommend Evelyn to everyone. Evelyn is not just a loan officer, she is also a problem solver.