--- title: "Your Mortgage, Our Mission — 100+ Lenders in 15 States | PierPoint Mortgage" description: "Home loans across 15 states. Every product known to the mortgage industry, 100+ lenders competing for your rate. NMLS #112844, 4.9★ (152 reviews), 26-day avg close. Call (231) 737-9911" author: "PierPoint Mortgage" date: "2026-03-30" tags: ["home loans in 15 states"] canonical: "https://pierpointmortgage.com/" last_updated: "2026-06-30" --- # Your Mortgage, Our Mission — 100+ Lenders in 15 States | PierPoint Mortgage **By PierPoint Mortgage** | March 30, 2026 Home loans across 15 states. Every product known to the mortgage industry, 100+ lenders competing for your rate. NMLS #112844, 4.9★ (152 reviews), 26-day avg close. Call (231) 737-9911 --- > **Quick answer:** PierPoint Mortgage matches homebuyers and investors in 15 states to the right loan from hundreds of [wholesale lenders](https://pierpointmortgage.com/loan-process/). Licensed since 2003 (NMLS #112844), 4.9 stars from 152 verified reviews, close in 26 days. Call [(231) 737-9911](tel:+12317379911) for a free rate comparison. Licensed Mortgage Brokers & Lenders • NMLS #112844 [Apply Now](https://shannonswartz.zipforhome.com/LoanApplication/Contact?Language=E&IsStart=Y)[or get a quick quote →](https://pierpointmortgage.com/quick-quote/) ★★★★★ **4.9 / 5** from 152 verified reviews on Google 32Years in Business 100+[Wholesale Lenders](https://pierpointmortgage.com/loan-process/) 15States Licensed [4.9 ★Google Rating](https://share.google/2rsXd7ENNJ35x0fZn) 100+Wholesale Lenders 26 daysAvg. Close Time $0VA [Down Payment](https://pierpointmortgage.com/first-time-homebuyer-loans/) 3.5%FHA Min. Down Our Approach ## More Products, Better Service Most banks offer 3 to 5 loan programs and steer every borrower toward whatever they can sell in-house. PierPoint Mortgage operates differently. As an independent mortgage brokerage, we access wholesale rate sheets from hundreds of lenders and match each borrower to the program that actually fits their financial situation, whether that is a conventional 30-year fixed, a [DSCR](https://pierpointmortgage.com/dscr-investor-loans/)[investor loan](https://pierpointmortgage.com/dscr-investor-loans/), or a bank statement program for [self-employed borrowers](https://pierpointmortgage.com/bank-statement-loans/). Every loan product known to the mortgage industry — covering [first-time buyers](https://pierpointmortgage.com/first-time-homebuyer/), military [veterans](https://pierpointmortgage.com/va-loans/), real estate investors, foreign nationals, and commercial property owners. That breadth of access is why our clients consistently close faster and at lower rates than borrowers who only shop one bank. since 2003, PierPoint Mortgage has earned a 4.9-star rating by making the lending process transparent, competitive, and genuinely borrower-first. ### By the Numbers - **31 years** serving borrowers across 15 states - **Hundreds of wholesale lenders** competing for your rate - **Every product** known to the mortgage industry - **15 states** with active licensing - **26-day average** close-to-fund timeline - **NMLS #112844** — fully licensed and compliant Quick Links ## What Can We Help You With? [### Mortgage Refinance Lower your rate, shorten your term, or tap into home equity with competitive refinancing options.](https://pierpointmortgage.com/mortgage-refinancing/)[### Loan Application Start your application online in under 5 minutes. Our team reviews it same-day.](https://shannonswartz.zipforhome.com/LoanApplication/Contact?Language=E&IsStart=Y)[### Mortgage Quote Get a personalized rate quote with no obligation and no impact to your credit score.](https://pierpointmortgage.com/quick-quote/)### Mortgage Calculator Estimate your monthly payment based on home price, down payment, and current rates. Loan Programs ## Your Trusted Brokers & Lenders PierPoint Mortgage brokers hold active licenses across 15 states and maintain lending relationships with hundreds of wholesale partners. That network gives us access to rate sheets and programs that individual banks cannot match. Below are six of our most-requested loan products, each designed for a specific borrower profile. ### Conventional Loans Fixed and adjustable-rate mortgages for borrowers with 620+ [credit scores](https://pierpointmortgage.com/credit-info/) and 3-20% [down payment](https://pierpointmortgage.com/first-time-homebuyer/). Conforming loan limits up to $766,550 in most counties, with higher limits in designated high-cost areas. [Learn More →](https://pierpointmortgage.com/conventional-loans/) ### FHA Loans Government-insured mortgages requiring as little as 3.5% down with [credit scores](https://pierpointmortgage.com/credit-info/) starting at 580. Popular with [first-time homebuyers](https://pierpointmortgage.com/first-time-homebuyer/) who need flexible qualification requirements and lower closing costs. [Learn More →](https://pierpointmortgage.com/fha-loans/) ### VA Loans Zero-down-payment mortgages exclusively for eligible [veterans](https://pierpointmortgage.com/va-loans/), active-duty service members, and surviving spouses. No private mortgage insurance required, with competitive rates from VA-approved lenders. [Learn More →](https://pierpointmortgage.com/va-loans/) ### Jumbo Loans Financing above conforming limits for luxury homes and high-value properties. Available with 10-20% down, competitive rates, and flexible underwriting for high-net-worth borrowers. [Learn More →](https://pierpointmortgage.com/jumbo-loans/) ### USDA Loans Zero-down-payment mortgages for eligible rural and suburban homebuyers. Income limits apply by county, but qualifying areas cover more territory than most borrowers expect across all 15 states. [Learn More →](https://pierpointmortgage.com/usda-loans/) ### Reverse Mortgages Home Equity Conversion Mortgages (HECM) for homeowners age 62 and older. Convert home equity into tax-free income without monthly mortgage payments while retaining ownership of the property. [Learn More →](https://pierpointmortgage.com/reverse-mortgages/) Complete Loan Menu ## Every Loan Product Known to the Mortgage Industry [#### Conventional Loans Fixed & adjustable rates, 3-20% down](https://pierpointmortgage.com/conventional-loans/)[#### FHA Loans 3.5% down, credit from 580](https://pierpointmortgage.com/fha-loans/)[#### VA Loans $0 down for eligible veterans](https://pierpointmortgage.com/va-loans/)[#### USDA Loans $0 down, rural & suburban areas](https://pierpointmortgage.com/usda-loans/)[#### Jumbo Loans Above conforming limits](https://pierpointmortgage.com/jumbo-loans/)[#### Reverse Mortgages Age 62+, convert equity to income](https://pierpointmortgage.com/reverse-mortgages/)[#### Mortgage Refinancing Lower rate, cash-out, or shorten term](https://pierpointmortgage.com/mortgage-refinancing/)[#### DSCR Investor Loans Qualify on rental income, not W-2s](https://pierpointmortgage.com/dscr-investor-loans/)[#### Bank Statement Loans Self-employed, 12-24 mo. statements](https://pierpointmortgage.com/bank-statement-loans/)[#### Fix & Flip Loans Short-term rehab financing](https://pierpointmortgage.com/fix-n-flip-loans/)[#### Foreign National Loans No SSN or US credit required](https://pierpointmortgage.com/foreign-national-loans/)[#### Manufactured Home Loans Mobile & modular home financing](https://pierpointmortgage.com/manufactured-home-loans/)[#### Hard Money Loans Asset-based, fast approval](https://pierpointmortgage.com/hard-money-loans/)[#### New Construction Loans Build from the ground up](https://pierpointmortgage.com/new-construction-loans/)[#### Commercial Loans Office, retail, multifamily, mixed-use](https://pierpointmortgage.com/commercial-loans/)[#### Profit & Loss Loans P&L statement qualification](https://pierpointmortgage.com/profit-and-loss-loans/) About PierPoint Mortgage ## Who We Are ![Shannon Swartz, Owner and CEO of PierPoint Mortgage](https://pierpointmortgage.com/wp-content/uploads/2026/06/shannon-swartz-headshot-v2.png) Shannon Swartz Owner, President & CEO NMLS Loan Originator **#112844** - **31+ years** in mortgage industry - Founded PierPoint Mortgage in **2003** - Active in **15 U.S. states** - Originates every product known to the industry - Trusted by self-employed, investors, veterans [★ 4.9152 Google Reviews](https://share.google/2rsXd7ENNJ35x0fZn) [PierPoint Mortgage LLC](https://pierpointmortgage.com/) was founded in 2003 with a straightforward mission: give borrowers access to more loan products and better rates than any single bank can offer. We operate as a licensed mortgage brokerage under NMLS #112844, connecting consumers directly to wholesale lending channels that are not available through retail banks or online-only lenders. Our team holds active state licenses across [Alabama](https://pierpointmortgage.com/mortgage-broker-alabama/), [California](https://pierpointmortgage.com/mortgage-broker-california/), [Colorado](https://pierpointmortgage.com/mortgage-broker-colorado/), [Connecticut](https://pierpointmortgage.com/mortgage-broker-connecticut/), [Florida](https://pierpointmortgage.com/mortgage-broker-florida/), [Georgia](https://pierpointmortgage.com/mortgage-broker-georgia/), [Louisiana](https://pierpointmortgage.com/mortgage-broker-louisiana/), [Maine](https://pierpointmortgage.com/mortgage-broker-maine/), [Michigan](https://pierpointmortgage.com/mortgage-broker-michigan/), [North Carolina](https://pierpointmortgage.com/mortgage-broker-north-carolina/), [Oklahoma](https://pierpointmortgage.com/mortgage-broker-oklahoma/), [Oregon](https://pierpointmortgage.com/mortgage-broker-oregon/), [Pennsylvania](https://pierpointmortgage.com/mortgage-broker-pennsylvania/), [Virginia](https://pierpointmortgage.com/mortgage-broker-virginia/), and [Washington](https://pierpointmortgage.com/mortgage-broker-washington/). With 31+ years of mortgage industry experience, we have closed loans for [first-time buyers](https://pierpointmortgage.com/first-time-homebuyer/), [multi-property investors](https://pierpointmortgage.com/dscr-investor-loans/), [self-employed business owners](https://pierpointmortgage.com/bank-statement-loans/), military veterans seeking [VA loans](https://pierpointmortgage.com/va-loans/), and [retirees](https://pierpointmortgage.com/reverse-mortgages/) pursuing [reverse mortgages](https://pierpointmortgage.com/reverse-mortgages/). Every loan is shopped across hundreds of lenders to ensure the most competitive terms available. What separates PierPoint from large retail lenders is accountability and access. When you call us, you speak directly with a licensed loan officer who manages your file from [application](https://pierpointmortgage.com/apply/) through closing. We do not hand borrowers off between departments or route calls to overseas service centers. Our broker model means we have no obligation to push proprietary products. If a competitor offers a better rate on a specific program, we tell you. That transparency has earned us a [4.9-star Google rating](https://share.google/2rsXd7ENNJ35x0fZn) and repeat business from clients who return for [refinances](https://pierpointmortgage.com/mortgage-refinancing/), investment properties, and referrals to family members. PierPoint Mortgage exists to serve the borrower, not the bank. Why PierPoint ## Why Choose PierPoint Mortgage ### 50+ Years Combined Experience Our broker network brings over five decades of lending expertise spanning residential, commercial, and investment properties. ### Every Mortgage Product From conventional and FHA to [DSCR](https://pierpointmortgage.com/dscr-investor-loans/)[investor loans](https://pierpointmortgage.com/dscr-investor-loans/) and foreign national programs, we cover borrowers that banks turn away. ### Streamlined Process Apply in 5 minutes online. Your dedicated loan officer manages the entire file through underwriting, appraisal, and closing. ### Rates from Hundreds of Lenders We shop wholesale rate sheets daily and lock the most competitive terms available for your specific loan scenario. ### Transparent Communication No hidden fees, no last-minute surprises. You receive a full cost breakdown before you commit to any loan program. Take Your Next Step ## Three Ways to Get Started With PierPoint Mortgage Pick the path that fits where you are. Each one connects you with a licensed broker — no overseas call centers, no runaround. [### Apply Now Start your full mortgage application online. Pre-approval in 24 hours. Start Application](https://shannonswartz.zipforhome.com/LoanApplication/Contact?Language=E&IsStart=Y)[### Get a Quick Quote Compare rates across 100+ wholesale lenders in under 60 seconds. No credit pull. See My Rate](https://pierpointmortgage.com/quick-quote/)[### Schedule a Consultation Book a 30-minute call with Shannon. Talk through your goals and lock in a strategy. Book a Call](https://pierpointmortgage.com/get-your-free-mortgage-consultation/) The Process ## How It Works 1 ### Apply in 5 Minutes Complete our secure online application with basic income, asset, and property details. No credit pull at this stage. 2 ### We Shop Hundreds of Lenders Your loan officer compares rate sheets from our entire wholesale network to identify the best program and rate for your profile. 3 ### Compare & Choose We present your top options with full cost breakdowns including origination fees, closing costs, and monthly payment projections. 4 ### Close in ~26 days Once you choose a loan, we coordinate underwriting, appraisal, title, and closing. Average close-to-fund timeline is 26 days. Our Commitment ## What Makes Us Your Ideal Mortgage Company We Walk You Through Every Step Mortgage transactions involve dozens of documents, multiple third parties, and strict timelines. PierPoint assigns a single loan officer to your file from the first phone call through the closing table. That person explains every document, every deadline, and every dollar amount so you understand exactly what is happening at each stage. We do not believe in leaving borrowers to figure things out on their own. Our Communication is Direct You will never wonder about your loan status. PierPoint loan officers communicate via phone, text, and email based on your preference. We provide proactive updates when milestones are reached, when documents are needed, and when closing is confirmed. If an issue arises during underwriting, you hear about it the same day with a clear explanation and resolution plan. Our Team Gets Back to You PierPoint maintains a same-business-day response commitment for all borrower inquiries. Whether you email at 7 AM or call at 6 PM, your loan officer responds within business hours that day. We staff our team to prevent the bottlenecks that slow down large retail banks, where loan officers juggle 40+ files at once and borrowers wait days for callbacks. We Know What is Best for You Access to hundreds of wholesale lenders means we can objectively compare programs across the market. If a 7/1 ARM saves you $400 per month over a 30-year fixed and you plan to move in five years, we will show you that math. If a [VA loan](https://pierpointmortgage.com/va-loans/) eliminates your need for a down payment, we identify that option immediately. Our recommendations are driven by your financial goals, not by bank quotas. We Continuously Upgrade Our Knowledge Mortgage guidelines change constantly. Fannie Mae, Freddie Mac, FHA, and VA update their handbooks multiple times per year. PierPoint loan officers complete continuing education beyond state requirements and attend wholesale lender training sessions to stay current on new programs, guideline overlays, and rate promotions. When a new product launches that could benefit you, we reach out proactively. We Welcome Your Questions There is no such thing as a bad question in the mortgage process. Whether you want to understand the difference between APR and interest rate, why title insurance is required, or how escrow impounds work, we explain it in plain language. PierPoint was built on the belief that educated borrowers make better financial decisions and become long-term clients who refer their friends and family. Licensed in 15 States ## Service Areas [### California 15 cities served](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-california/) [Los Angeles](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-california/mortgage-broker-los-angeles-ca/)[San Diego](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-california/mortgage-broker-san-diego-ca/)[San Francisco](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-california/mortgage-broker-san-francisco-ca/)[San Jose](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-california/mortgage-broker-san-jose-ca/)[Sacramento](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-california/mortgage-broker-sacramento-ca/)[View all →](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-california/) [### Florida 15 cities served](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-florida/) [Miami](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-florida/mortgage-broker-miami-fl/)[Tampa](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-florida/mortgage-broker-tampa-fl/)[Orlando](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-florida/mortgage-broker-orlando-fl/)[Jacksonville](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-florida/mortgage-broker-jacksonville-fl/)[Fort Lauderdale](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-florida/mortgage-broker-fort-lauderdale-fl/)[View all →](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-florida/) [### Michigan 15 cities served](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-michigan/) [Detroit](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-michigan/mortgage-broker-detroit-mi/)[Grand Rapids](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-michigan/mortgage-broker-grand-rapids-mi/)[Ann Arbor](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-michigan/mortgage-broker-ann-arbor-mi/)[Lansing](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-michigan/mortgage-broker-lansing-mi/)[Dearborn](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-michigan/mortgage-broker-dearborn-mi/)[View all →](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-michigan/) [### Pennsylvania 15 cities served](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-pennsylvania/) [Philadelphia](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-pennsylvania/mortgage-broker-philadelphia-pa/)[Pittsburgh](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-pennsylvania/mortgage-broker-pittsburgh-pa/)[Allentown](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-pennsylvania/mortgage-broker-allentown-pa/)[Erie](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-pennsylvania/mortgage-broker-erie-pa/)[Reading](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-pennsylvania/mortgage-broker-reading-pa/)[View all →](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-pennsylvania/) [### Washington 15 cities served](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-washington/) [Seattle](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-washington/mortgage-broker-seattle-wa/)[Spokane](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-washington/mortgage-broker-spokane-wa/)[Tacoma](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-washington/mortgage-broker-tacoma-wa/)[Bellevue](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-washington/mortgage-broker-bellevue-wa/)[Vancouver](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-washington/mortgage-broker-vancouver-wa/)[View all →](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-washington/) [### Virginia 15 cities served](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-virginia/) [Virginia Beach](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-virginia/mortgage-broker-virginia-beach-va/)[Norfolk](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-virginia/mortgage-broker-norfolk-va/)[Richmond](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-virginia/mortgage-broker-richmond-va/)[Arlington](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-virginia/mortgage-broker-arlington-va/)[Alexandria](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-virginia/mortgage-broker-alexandria-va/)[View all →](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-virginia/) [### North Carolina 15 cities served](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-north-carolina/) [Charlotte](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-north-carolina/mortgage-broker-charlotte-nc/)[Raleigh](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-north-carolina/mortgage-broker-raleigh-nc/)[Greensboro](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-north-carolina/mortgage-broker-greensboro-nc/)[Durham](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-north-carolina/mortgage-broker-durham-nc/)[Cary](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-north-carolina/mortgage-broker-cary-nc/)[View all →](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-north-carolina/) [### Connecticut 15 cities served](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-connecticut/) [Hartford](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-connecticut/mortgage-broker-hartford-ct/)[New Haven](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-connecticut/mortgage-broker-new-haven-ct/)[Stamford](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-connecticut/mortgage-broker-stamford-ct/)[Bridgeport](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-connecticut/mortgage-broker-bridgeport-ct/)[Norwalk](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-connecticut/mortgage-broker-norwalk-ct/)[View all →](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-connecticut/) [### Louisiana 15 cities served](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-louisiana/) [New Orleans](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-louisiana/mortgage-broker-new-orleans-la/)[Baton Rouge](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-louisiana/mortgage-broker-baton-rouge-la/)[Shreveport](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-louisiana/mortgage-broker-shreveport-la/)[Lafayette](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-louisiana/mortgage-broker-lafayette-la/)[Lake Charles](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-louisiana/mortgage-broker-lake-charles-la/)[View all →](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-louisiana/) [### Colorado 15 cities served](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-colorado/) [Denver](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-colorado/mortgage-broker-denver-co/)[Colorado Springs](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-colorado/mortgage-broker-colorado-springs-co/)[Aurora](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-colorado/mortgage-broker-aurora-co/)[Fort Collins](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-colorado/mortgage-broker-fort-collins-co/)[Boulder](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-colorado/mortgage-broker-boulder-co/)[View all →](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-colorado/) [### Georgia 15 cities served](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-georgia/) [Atlanta](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-georgia/mortgage-broker-atlanta-ga/)[Augusta](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-georgia/mortgage-broker-augusta-ga/)[Columbus](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-georgia/mortgage-broker-columbus-ga/)[Savannah](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-georgia/mortgage-broker-savannah-ga/)[Athens](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-georgia/mortgage-broker-athens-ga/)[View all →](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-georgia/) [### Oregon 15 cities served](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-oregon/) [Portland](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-oregon/mortgage-broker-portland-or/)[Eugene](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-oregon/mortgage-broker-eugene-or/)[Salem](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-oregon/mortgage-broker-salem-or/)[Bend](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-oregon/mortgage-broker-bend-or/)[Beaverton](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-oregon/mortgage-broker-beaverton-or/)[View all →](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-oregon/) [### Alabama 15 cities served](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-alabama/) [Birmingham](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-alabama/mortgage-broker-birmingham-al/)[Montgomery](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-alabama/mortgage-broker-montgomery-al/)[Mobile](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-alabama/mortgage-broker-mobile-al/)[Tuscaloosa](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-alabama/mortgage-broker-tuscaloosa-al/)[Huntsville](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-alabama/mortgage-broker-huntsville-al/)[View all →](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-alabama/) [### Maine 15 cities served](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-maine/) [Portland](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-maine/mortgage-broker-portland-me/)[Bangor](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-maine/mortgage-broker-bangor-me/)[Augusta](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-maine/mortgage-broker-augusta-me/)[Lewiston](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-maine/mortgage-broker-lewiston-me/)[South Portland](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-maine/mortgage-broker-south-portland-me/)[View all →](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-maine/) [### Oklahoma 15 cities served](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-oklahoma/) [Oklahoma City](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-oklahoma/mortgage-broker-oklahoma-city-ok/)[Tulsa](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-oklahoma/mortgage-broker-tulsa-ok/)[Norman](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-oklahoma/mortgage-broker-norman-ok/)[Lawton](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-oklahoma/mortgage-broker-lawton-ok/)[Edmond](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-oklahoma/mortgage-broker-edmond-ok/)[View all →](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-oklahoma/) [See all the 15 states we serve →](https://pierpointmortgage.com/locations/) Plan Your Mortgage ## Calculate or Find Your Loan Estimate your monthly payment in seconds, or take a quick quiz to see which loan fits your situation. Monthly Payment ### Mortgage Calculator Home Price $400,000 Down Payment (%) 10% Interest Rate (%) 6.750% Loan Term (Years) 30 yrs Estimated Monthly Payment$2,335 Loan Matcher ### Which Loan Fits You? Step 1 of 4 30 seconds ### What is the purpose of your loan? Buy a Home [Refinance](https://pierpointmortgage.com/mortgage-refinancing/) Investment Property Cash-Out Equity ### How are you employed? W-2 Employee Self-Employed Retired Other / 1099 ### What is your estimated credit score? 740+ 680 – 739 580 – 679 Below 580 ### Are you a veteran or active-duty service member? Yes No ### Recommended Loan [Call (231) 737-9911](tel:+12317379911) Get matched in 30 seconds Answer 4 quick questions — we’ll match you with the right loan from our hundreds of wholesale lenders ✓ No credit pull✓ No spam✓ Free Client Stories ## What People Say About Us Real Google reviews from PierPoint Mortgage borrowers across 15 states. Common Questions ## Frequently Asked Questions Is a mortgage broker and lender the same? No. A mortgage lender uses its own capital to fund loans and typically offers a limited menu of in-house products. A mortgage broker like PierPoint Mortgage acts as an intermediary, connecting borrowers to multiple wholesale lenders. Brokers compare rate sheets from dozens of lenders simultaneously, giving borrowers access to more programs and more competitive pricing than any single lender can provide on its own. Who is the #1 mortgage lender in the US? By origination volume, large retail banks and wholesale aggregators rotate through the top position depending on market conditions. However, the largest lender is not necessarily the best fit for every borrower. Independent brokerages like PierPoint Mortgage consistently deliver lower rates on average because they are not limited to a single lender’s rate sheet. The best lender for you is the one that matches your specific financial profile to the most competitive terms available. Is it worthwhile to use a mortgage broker? In most cases, yes. Mortgage brokers access wholesale rate channels that consumers cannot reach directly. A 2023 study from the National Bureau of Economic Research found that borrowers who used brokers paid 0.36% less on average compared to those who went directly to a retail bank. PierPoint brokers shop hundreds of lenders for every loan, which creates downward pressure on pricing and gives borrowers more program options than a single-bank approach. At what point should I see a mortgage broker? Contact a broker as early as possible in the home-buying process, ideally before you start house hunting. A [pre-approval](https://pierpointmortgage.com/apply/) from PierPoint Mortgage tells you exactly how much house you can afford, locks in your rate protection, and makes your offers more competitive in the eyes of sellers. If you are [refinancing](https://pierpointmortgage.com/mortgage-refinancing/), reach out when you believe current rates are lower than your existing rate or when you need to access equity for a major expense. Why is getting pre-approved important? [Pre-approval](https://pierpointmortgage.com/apply/) shows sellers and their agents that a lender has verified your income, assets, credit, and debt-to-income ratio. In competitive markets, sellers routinely reject offers from buyers who only have a basic pre-qualification. PierPoint issues fully underwritten pre-approvals that carry significant weight in multiple-offer situations. [Pre-approval](https://pierpointmortgage.com/apply/) also reveals exactly how much you can borrow, which prevents you from wasting time looking at homes outside your price range. How do I find reputable mortgage brokers? Check the NMLS Consumer Access database to verify active licensing and any disciplinary history. Read Google and Zillow reviews for consistent patterns of praise or complaints. Ask each broker how many lenders they work with, what loan products they offer, and whether they charge origination fees. PierPoint Mortgage maintains NMLS #112844 with clean compliance records across all 15 licensed states, a 4.9-star Google rating from 152 reviews, and full transparency on every fee we charge. How We Compare ## Mortgage Broker vs. Single Bank | Feature | PierPoint Mortgage (Broker) | Single Bank / Retail Lender | | --- | --- | --- | | Number of Lenders | hundreds of wholesale lenders | 1 (their own) | | Loan Products | Every product known to the mortgage industry | 3-5 standard programs | | Rate Shopping | Compares rates daily across all partners | Offers only their posted rate | | [Self-Employed](https://pierpointmortgage.com/bank-statement-loans/)Options | Bank statement, P&L, DSCR programs | W-2 income required for most | | Dedicated Loan Officer | One person, application to closing | Often passed between departments | | Response Time | Same-business-day guarantee | 2-5 business days typical | | Close Timeline | ~26 days average | 45-60 days average | | Fee Transparency | Full cost breakdown before commitment | Fees may change at closing | ## Ready to Compare Rates from Hundreds of Lenders? [Apply online](https://pierpointmortgage.com/apply/) in 5 minutes. Your dedicated PierPoint loan officer shops the market and presents your best options within 24 hours. [Apply Now →](https://pierpointmortgage.com/apply/) [Get a Quick Quote](https://pierpointmortgage.com/quick-quote/)[Call (231) 737-9911](tel:+12317379911)[Schedule a Consultation](https://pierpointmortgage.com/apply/) [Call](tel:+12317379911)[Text](sms:+12317379911)[Apply](https://pierpointmortgage.com/apply/)[Quote](https://pierpointmortgage.com/quick-quote/) --- **Shopping a mortgage in one of our 15 states?** PierPoint Mortgage is an independent brokerage, NMLS #112844, licensed since 2003. We compare wholesale rate sheets from 100+ lenders instead of selling one bank's products, and give you a written quote before you commit to anything. - Free rate comparison: (231) 737-9911 - Apply: https://pierpointmortgage.com/apply/ - Full page: https://pierpointmortgage.com/