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 Partners Mortgage. Whether your needs are a 
Conventional, FHA, VA, USDA, DSCR, Jumbo, Self Employed, Bank Statement or you want to Refinance your current 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 and Broker, I will serve as your dedicated point of contact throughout the home loan process. My goal is to clearly explain each step and guide you with transparency and care, making the experience as smooth and straightforward as possible.”
What is a Mortgage Loan Originator/Broker?
A Mortgage Loan Originator/Broker is a licensed mortgage professional who specializes in securing home financing on behalf of clients, operating under a licensed mortgage brokerage such as Partners Mortgage. To earn this designation, individuals must pass the Nationwide Multistate Licensing System (NMLS) exam and undergo a comprehensive federal 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 the past, obtaining a mortgage often meant working directly with a single bank. Today, that’s no longer the only option. Mortgage Loan Originators and Brokers offer a more efficient and convenient alternative—providing access to multiple lenders and loan products through one point of contact. Best of all, the entire process can be managed from the comfort of your own home.
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 and Broker, I have access to a wide network of reputable lenders. My role is to evaluate your needs, shop the market on your behalf, and secure the most competitive rates and terms for which you qualify.
Navigating the mortgage process can be complex, especially for first-time buyers—but that’s exactly where I come in. I specialize in breaking down intricate concepts and guiding clients step by step to ensure clarity and confidence throughout the journey.
Securing a home loan is much like assembling a puzzle. As your trusted mortgage expert, my job is to help align all the pieces—financing, documentation, timelines, and communication—so everything fits together smoothly and successfully.
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 guide you through the entire home loan process—from initial consultation to closing—ensuring you understand each step along the way. Whether you’re ready to begin or simply have questions about how it all works, I’m here to help. Don’t hesitate to reach out—knowledge is key, and I’m here to provide it. If you don’t ask you won’t know!
What is Partners Mortgage?
As a licensed Mortgage Loan Originator, my license must be sponsored by a mortgage brokerage authorized to operate within the state. The sponsoring brokerage—such as Partners Mortgage—manages the regulatory compliance, legal documentation, and coordination with state and federal agencies. Through this partnership, I have access to a broad network of over 170 lending institutions, enabling me to match you with the most competitive loan options and rates for which you qualify.
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.
