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2024

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Best Mortgage Brokers in Columbia, MD

Our Recommended Top 15

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Columbia Mortgage Brokers on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

39Reviewed

29Curated

15Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

9977 Old Annapolis Road, Ellicott City, MD 21042
WebsiteLicense: 1444377

Expertise.com Rating

Review Sources

Google
5.0 (57)
Zillow
5.0 (11)

Why choose this provider?

Abiz Mortgage is a financial institution that caters to property owners and buyers in the Columbia metro. The company offers a range of mortgage programs, including graduated payments, interest-only, adjustable ARM, and fixed rates. Additionally, its team's lending alternatives include jumbo, FHA, VA, and USDA loans. Its loan process starts with pre-qualification, followed by choosing a loan, applying, and then waiting for approval before finalizing the deal. The employees of the company have a combined 30 years of industry experience.

  • Refinance

3500 Boston Street Suite 226, Baltimore, MD 21224
WebsiteLicense: 65084

Expertise.com Rating

Review Sources

Facebook
5.0 (54)

Why choose this provider?

Hometown Lenders is a local, woman-operated business that serves customers in Columbia. It assists clients who are purchasing a new home or considering upgrading, downgrading, or refinancing. Its loan options include FHA, VA, rehab, USDA, and jumbo. It also has solutions for first-time homebuyers and real estate investors. Additionally, it offers low downpayment loan programs. Hometown Lenders is headed by Aimee Minnis, the mortgage girl boss who works with clients from Maryland, the District of Columbia, and Virginia.

  • New Construction

3745 Running Springs Rd, Ellicott City, MD 21042
WebsiteLicense: 1885146

Expertise.com Rating

Review Sources

Google
5.0 (15)

Why choose this provider?

KPG Mortgage is a full-service brokerage that caters to the people of Columbia. It offers a variety of financial products, including conventional and jumbo loans as well as VA, USDA, and FHA mortgages. Additionally, its experts offer guidance to first-time home buyers and clients who want to access their home equity. The firm was established in 2019 by Kevin Geraghty, an industry expert with more than a decade of experience. Kevin previously worked in the non-profit and social workspace.

  • Refinance

8850 Columbia 100 Pkwy, Columbia, MD 21045
WebsiteLicense: 143255
Website

Expertise.com Rating

Review Sources

Google
4.2 (109)
Facebook
3.5 (14)
Yelp
2.0 (5)

Why choose this provider?

APEX Mortgage caters to property owners in and around Columbia. It provides different loan options, such as reverse mortgage, conventional, VA, jumbo, FHA, and home improvement loans. Its team of loan officers guides clients in purchasing and refinancing various types of properties, including new construction homes, multi-unit dwellings, single-family residences, condominiums, and townhouses. They also assist people in evaluating how much their homes will sell in the current market. APEX Mortgage extends its services to the residents of California and Pennsylvania.

  • Refinance
  • New Construction

9977 Old Annapolis Road, Ellicott City, MD 21042
WebsiteLicense: 1444377

Expertise.com Rating

Review Sources

Google
5.0 (55)
Zillow
5.0 (10)

Why choose this provider?

Abiz Mortgage provides financial solutions for home purchasers in Columbia and the surrounding areas. The firm's senior mortgage loan officer, Earl E Geoghegan II, assists in selecting the right loan that suits unique goals and financial circumstances. Geoghegan and his team handle the home purchase and refinance, including one-time close construction, bank statement income qualifying, residential, and commercial. Some loan products available are adjustable rates, fixed-rate, interest only, and home equity line of credit loans.

  • Commercial Loans
  • New Construction

14501 George Carter Way, Suite 300, Chantilly, VA 20151
WebsiteLicense: 75164

Expertise.com Rating

Review Sources

Google
4.9 (2914)
Facebook
4.6 (219)
Yelp
5.0 (17)

Why choose this provider?

Prosperity Home Mortgage, LLC, caters to clients in Columbia who need a variety of brokerage services. The team has loan and refinancing options ranging from fixed and adjustable rate programs to government-backed choices for agricultural asset buyers and military service veterans. Fannie Mae solutions are available for low-income households. Prosperity Home Mortgage has over 500 consultants on its roster across 49 jurisdictions. It is an umbrella group that covers several agencies, such as DFW Texas Mortgage and FM Lending Services.

  • Refinance

5640 Nicholson Lane Suite 210, Rockville, MD 20852
WebsiteLicense: 177349

Expertise.com Rating

Review Sources

Google
5.0 (25)
Facebook
5.0 (23)
Yelp
5.0 (3)

Why choose this provider?

BMIC Mortgage, Inc., is a full-service lender and broker offering solutions to complex transactions in Columbia. It follows a customized mortgage process to serve first-time homebuyers, elderly homeowners, move-up buyers, and second-time borrowers. Its team of mortgage professionals keeps clients updated on rates and trends and guides clients regarding taxes, escrow, and pre-approval. The company was founded in 1985 and has been featured in various media outlets, including Washington Business Journal, The Washington Post, and Newsweek.

  • Refinance

5397 Twin Knolls Road, #13, Columbia, MD 21045
WebsiteLicense: 324235

Expertise.com Rating

Review Sources

Zillow
4.9 (110)
Facebook
4.7 (65)

Why choose this provider?

Samson Doyle is a mortgage consultant for Norcom Mortgage who works with clients in and around Columbia. He provides a wide variety of lending options for people looking to purchase a home. These include fixed-rate and adjustable-rate, conventional, FHA, VA, and USDA loans. Reverse mortgages are also available for seniors 62 and older who want to convert the equity in their home into tax-free cash. Doyle was praised by one customer for explaining the mortgage process and answering all of his questions.

  • Refinance

8621 Robert Fulton Drive, Suite 150, Columbia, MD 21046
WebsiteLicense: 1124061

Expertise.com Rating

Review Sources

Zillow
4.9 (2204)
Facebook
3.9 (157)

Why choose this provider?

Homeside provides mortgage services to home buyers and owners across Columbia and the surrounding cities. It serves individuals and families needing loan application assistance to help them choose the right program that fits their needs and purchasing goals. It allows clients to explore different loan types, including adjustable-rate, conventional, renovation, jumbo, and high-balance. Mortgage refinancing services are also available. Homeside has more than 240 loan officers who have helped obtain over $21 billion in funds for more than 89,000 loans.

  • Reverse Mortgages
  • Refinance

8369 Cherry Ln, Laurel, MD 20707
WebsiteLicense: 217378

Expertise.com Rating

Review Sources

Google
4.8 (32)

Why choose this provider?

American Bancshares is a mortgage brokerage business serving first-time residential property purchasers and experienced real estate investors in Columbia. Its loan options include jumbo programs reaching up to $2 million, USDA with no cash reserves, reverse loans that take away mortgage dues, and VA with zero down payment. The company has a website with various resources and tools, such as a mortgage calculator and glossary, buyer's guide, and application checklist. American Bancshares has been operating in the industry for over two decades.

  • Refinance

5230 Harvey Ln, Ellicott City, MD 21043
WebsiteLicense: 2075266

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

United Equity Lending, LLC, is a full-service mortgage company based in Ellicott City that extends its services to the people of Columbia. It focuses on home purchase loans and refinancing solutions to help clients realize their homeownership goals and save money by reducing their monthly mortgage payments. Among the financing programs that United Equity Lending offers are FHA, VA, jumbo, and conventional loans. The company also provides clients assistance to cash out their home equity.

  • Refinance
  • New Construction

904 Light St, Baltimore, MD 21230
WebsiteLicense: 45125

Expertise.com Rating

Review Sources

Google
4.9 (225)
Zillow
5.0 (95)
Yelp
4.5 (27)

Why choose this provider?

Federal Hill Mortgage is a brokerage and lending agency that has been serving families in Columbia since 2006. It offers fixed-rate and adjustable-rate conventional loans, as well as government-backed loan programs, such as FHA, VA, and USDA. It assists customers seeking to refinance existing mortgages for primary, secondary, and investment properties. It also provides solutions to those who want to access home equity without refinancing. Federal Hill Mortgage is headed by Tammy Saul, a loan originator with a license to practice law.

  • Refinance

5550 Sterrett Pl Ste #305, Columbia, MD 21044
WebsiteLicense: 182258

Expertise.com Rating

Review Sources

Google
5.0 (131)

Why choose this provider?

Mortgage Affiliates, Inc., caters to potential loan applicants in Columbia. Its team utilizes both financial technology and its understanding of market rates and conditions to canvass various loaning and refinancing programs for customers. Its communicative approach involves the use of educative consultations that help applicants understand their eligibility for different options in line with their credit scores and previous loans. Mortgage Affiliates derives its programs from a selection of local lenders that match each client's long-term financial goals.

  • Refinance
  • New Construction

14861 Meriwether Drive, Glenelg, MD 21737
WebsiteLicense: 1371924

Expertise.com Rating

Review Sources

Zillow
5.0 (20)
Facebook
5.0 (7)

Why choose this provider?

Advantage Star Mortgage addresses the financial needs of clients in and around Columbia. It offers a variety of loan programs for people looking to buy a house, such as FHA, VA, conventional, USDA, and jumbo loans. It also provides homeowners with various refinancing options, including cash-out, VA streamline, and FA streamline refinance, which enable them to lower their monthly payments, shorten their loan terms, or take cash out from their equity for home improvements or debt consolidation.

  • Refinance

5001 Forbes Blvd Suite, H7 Lanham, MD 20706
WebsiteLicense: 1717158

Expertise.com Rating

Review Sources

Google
4.9 (27)
Facebook
5.0 (7)

Why choose this provider?

Hon Zoobee R Chukwurah is a mortgage broker that serves Columbia-based clients and those in the surrounding communities. The agent offers mortgage home purchase loans like fixed- and adjustable-rate mortgages, as well as conforming, jumbo and super jumbo, and FHA loans. VA and USDA loans are also part of its programs. In addition, he has refinancing options, which entail terms from five to 30 years. The mortgage broker operates under NEXA Mortgage, LLC.

  • Refinance

Compare our Top Mortgage Brokers

NameExpertise RatingAddressPromotionsLearn more
Abiz Mortgage
9977 Old Annapolis Road, Ellicott City, MD 21042
Hometown Lenders
3500 Boston Street Suite 226, Baltimore, MD 21224
KPG Mortgage
3745 Running Springs Rd, Ellicott City, MD 21042
APEX Mortgage
8850 Columbia 100 Pkwy, Columbia, MD 21045
Abiz Mortgage
9977 Old Annapolis Road, Ellicott City, MD 21042
Prosperity Home Mortgage, LLC
14501 George Carter Way, Suite 300, Chantilly, VA 20151
BMIC Mortgage, Inc.
5640 Nicholson Lane Suite 210, Rockville, MD 20852
Samson Doyle
5397 Twin Knolls Road, #13, Columbia, MD 21045
Homeside
8621 Robert Fulton Drive, Suite 150, Columbia, MD 21046
American Bancshares
8369 Cherry Ln, Laurel, MD 20707
United Equity
5230 Harvey Ln, Ellicott City, MD 21043
Federal Hill Mortgage
904 Light St, Baltimore, MD 21230
Mortgage Affiliates Inc.
5550 Sterrett Pl Ste #305, Columbia, MD 21044
Advantage Star Mortgage
14861 Meriwether Drive, Glenelg, MD 21737
Hon Zoobee R Chukwurah
5001 Forbes Blvd Suite, H7 Lanham, MD 20706

FAQs

  • Introduction

    It’s the American dream to buy property, and almost everyone who purchases a home does so with the help of a mortgage broker. It can be intimidating when you don’t know where to begin, what information is necessary, and how to receive a loan. A mortgage broker acts as an intermediary between the applicant and the financial institution.


    The mortgage broker’s role includes comparing loan terms across lenders to find applicants the best options, collecting paperwork the financial institution needs to analyze the application, and guiding the buyer through the underwriting and closing processes. Mortgage brokers can significantly simplify the home buying process.

  • Can mortgage brokers work across state lines?

    Yes, mortgage brokers can work across state lines. However, each state has different licensing requirements for mortgage brokers. Customers should ensure their broker can legally work in another state before going across state lines. Lastly, don’t forget the mortgage process is often time-sensitive, so being in different time zones can be problematic.

  • How do mortgage brokers find lenders?

    Mortgage brokers work independently and act as a bridge between the client and the lender. They reach out to several lenders to form a network and build professional relationships with those they work with often. They use lenders who best meet a client's rates and terms, and some lenders only do business through mortgage brokers.  

  • What credit score do mortgage brokers use?

    There are two credit scoring models in the United States: FICO and VantageScore. Mortgage lenders typically prefer to use FICO. However, each credit bureau uses a different version of the FICO score:

    • Experian uses FICO Score 2
    • Equifax uses FICO Score 5
    • TransUnion uses FICO Score 4

  • Do mortgage brokers help with refinancing?

    Yes, mortgage brokers can help with refinancing. Individuals who have a solid credit score will typically go to their bank to refinance their mortgage. However, if you don't have excellent credit, a mortgage broker may be able to secure you a better interest rate than you could get on your own.

    You pay a fee to the mortgage broker, so you'll want to consider this fee versus your savings in your cost-benefit analysis.
  • Can you work with two mortgage brokers?

    You can definitely work with two mortgage brokers. The advantage of using multiple brokers is that you'll have two people reaching out to several lenders to secure the best rate possible. However, you must ensure you provide matching information to all your brokers. If two brokers provide mismatched information about your application to the same lender, it can send off red flags and delay your approval process.

  • Do mortgage brokers get better deals?

    Yes, a mortgage broker should be able to get you a better deal. Mortgage brokers go to several lenders on your behalf and find the one with the best terms and interest rates. However, note that some mortgage brokers have preferred lenders. A broker may bring you their preferred lender's offer, even if it's not the best one; however, this isn't a regular practice.