Welcome to 3B Mortgage Brokers!
3B Mortgage Brokers is your one stop shop for getting a Home Mortgage or Refinancing your existing Mortgage anywhere in the Great State of Texas. We are located in the piney woods of East Texas and are an independent sales representative for Pacific Wholesale Mortgage. Whether your needs are a 
Conventional, FHA, VA or a Refinance loan we can do it all.
Hello! My name is Russell Cunha (Koon-Ya) and I am an independent MLO (Mortgage Loan Originator/Broker) sponsored by Patners Mortgage.
As your Mortgage Loan Originator/Broker, I will be your point of contact for getting you your home loan. I will do everything that I can to explain and walk you through the home loan process and make it as simple easy for you as possible.
What is a Mortgage Loan Originator/Broker?
A Mortgage Loan Originator/Broker is a Licensed Mortgage Professional who provides mortgage financing services like arranging mortgage financing for you, under a licensed mortgage brokerage firm (PWM). To become a Licensed Mortgage Loan Originator/Broker you must pass the National Multi State Licensing System (NMLS) exam and successfully pass a Government Background check.
The NMLS test has a 54% pass rate and can be described as challenging, even for those who have worked as loan officers for banks, and this is on purpose. Due to the financial responsibilities of mortgage loan officers, the exam serves to ensure MLOs are prepared for these duties and are held to high industry standards.
In years past, it was commonly assumed that you could only get a mortgage loan by going directly to a bank. Times have changed. Nowadays, Mortgage Loan Originators/Brokers provide a Better and More Convenient Option to access the same mortgage loans but from several lending sources and lending institutions in one shot and can it can all be done from the comfort of your living room!
Independent Mortgage Loan Originators/Brokers now make up over 25% of the market and that number is growing year over year.
Why you should work with an Independent Mortgage Loan Originator
As a Mortgage Loan Originator/Broker, I have access to a multitude of different lenders. I will shop your loan on the market and work to get you the best current rates that are offered and that you qualify for.
If you have ever been through the process of buying a home, it can be complex, but that’s what I’m here for. I enjoy taking a complex idea or processes and making it easy and simple for people to understand. When you work with people and through problems things get done!
The entire process of getting a mortgage loan is like a puzzle.
An Expert Mortgage Loan Originator/Broker’s professional job is to help you put the different pieces of that puzzle together.
The Mortgage Loan Originator/Broker Advantage
- I WORK FOR YOU
- More Loan Options
- Personalized Service
- More Lending Expertise and Training
- Licensed by the Nationwide Mortgage Licensing System (NMLS)
- Better Loan Guidance and Advise
- More Forgiving of Credit Issues
- Available most Nights and Weekends
- Only Gets Paid When Your Mortgage Loan is Successful
- Faster Loan Closing
The Disadvantage of Banks
- Less Variety of Loan Options
- Less Mortgage Lending Expertise
- Stricter Lending Requirements
- More Fees
- A Bank Loan Officer is Typically Not Licensed (They use the Banks License)
- Will Try to Sell Other Banking Products to You (Upselling)
- Limited Availability (9am-5pm Monday thru Friday only)
- Longer Closing Times
- Loan officer will get paid whether or not your loan closes
My Motto is “Work With People and Through Problems”
I will walk you through the entire home loan process, step-by-step, from start to finish and help you to get into your new home! If you have any questions or are just curious about the loan process, feel free to reach out to me. Because, if you don’t ask you won’t know.
What is Partners Mortgage?
My mortgage license must be sponsored by a mortgage brokerage who is licensed to operate in that state. The mortgage brokerage firm handles the back end legal filings, paperwork with the state, federal government and other duties. Partners Mortgage provides access to over 140 different lending institutions so that I can provide you with the best loan and rate that you qualify for.
Frequently Asked Questions
How do you pronounce your last name?
Cunha (Koon-Ya) – It’s Portuguese
My great grand parents immigrated here from the Azore islands.
I however was born and raised in TEXAS!
What do the B’s in 3B stand for?
Blessed Beyond Belief
Because God has blessed us far more than we could possibly imagine.
