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2024

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Best Mortgage Brokers in Richmond, VA

Our Recommended Top 20

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 Richmond Mortgage Brokers on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

68Reviewed

48Curated

20Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

4461 Cox Road, Glen Allen, VA 23060
WebsiteLicense: 67717

Expertise.com Rating

Review Sources

Yelp
3.0 (8)

Why choose this provider?

CapCenter is a full-service mortgage, real estate, and insurance agency that has been serving clients in Richmond and the surrounding areas for more than two decades. It provides both fixed-rate and adjustable-rate conventional mortgages. It also offers other types of loan products, including FHA, VA, and jumbo loans. In addition, it assists with refinancing existing mortgages. President Gary Piacentini served as legal counsel to several mortgage banking subsidiaries prior to founding CapCenter. He is also a certified public accountant.

  • Purchase and Renovation Loans
  • VA Home Loan Financing
  • Consolidation
  • Home improvement
  • VA
  • Debt Consolidation
  • Refinancing
  • Residential Mortgages
  • Purchase Loan Officer
  • First time buyers

Richmond, VA

Expertise.com Rating

Why choose this provider?

Need help contacting a Mortgage Broker in Richmond? Call our Concierge team at 848-Book-Pro (848-266-5776 from 6 am - 4 pm PT | Mon - Fri). They are standing by to help you get the service you need.

400 North Ridge Road, Richmond, VA 23229
WebsiteLicense: 1173347

Expertise.com Rating

Review Sources

Facebook
5.0 (13)
Google
5.0 (3)

Why choose this provider?

We are Kristin and Corey O’Neil; The husband and wife duo behind The O’Neil Mortgage Group at Home Loan Zone, Inc. Our team has over 12 years experience in the mortgage industry and look forward to using our expertise to guide you through the home financing process. Our family is equally passionate about Real Estate and Richmond and are so excited to be on this journey with you. Our mission is to serve our community and be the home financing partner you refer to your family and friends.

  • Refinance

3900 Westerre Parkway, Richmond, VA 23233
WebsiteLicense: 270930

Expertise.com Rating

Review Sources

Google
4.0 (29)
Facebook
5.0 (18)
Yelp
3.0 (3)

Why choose this provider?

Dominion Capital Mortgage Inc. is a full-service mortgage company that serves residential and commercial clients in Richmond and nearby areas. It provides a wide array of mortgage products and services, including fixed-rate, adjustable-rate, conventional, and VA mortgage programs. The company has access to several lenders in the market, allowing clients to choose an appropriate loan program that fits their needs. Dominion Capital Mortgage Inc also assists clients needing refinancing services.

  • New Construction
  • Refinance

8339 Wetherden Drive, Mechanicsville, VA 23111
WebsiteLicense: 1120965

Expertise.com Rating

Review Sources

Google
5.0 (9)
Facebook
5.0 (8)
Yelp
5.0 (1)

Why choose this provider?

Serving Richmond, 1st Call Mortgage provides a range of services, investment tools, and mortgages to clients in the metro. It offers various loan program options such as FHA home loans, VA loans, USDA loans, and jumbo loans. The company also has mortgage rate selections like fixed-rate, adjustable-rate, interest-only, and graduated payments. 1st Call Mortgage has a strong focus on providing clients with low closing costs and interest rates. Its team also aims to deliver services with integrity, competence, and honesty.

  • New Construction
  • Refinance

2501 Monument Avenue, Richmond, VA 23220
WebsiteLicense: 335465

Expertise.com Rating

Review Sources

Google
4.0 (21)
Facebook
5.0 (2)

Why choose this provider?

Liberty Mortgage is a mortgage broker based in Richmond. It is an independent mortgage lender for those buying a new home or looking to refinance. It determines how much the customers can borrow, then pre-qualifies them for a loan, assists them in the application process, and secures the funding. It has many lending sources while remaining independent of banks or mortgage lenders. The company bases its customer service policy on the golden rule. The team has more than 100 years of collective experience.

  • Refinance

8100 Three Chopt Road, Richmond, VA 23229
WebsiteLicense: 393150

Expertise.com Rating

Review Sources

Google
5.0 (32)
Facebook
5.0 (2)

Why choose this provider?

Academy Mortgage, Inc. is a full-service mortgage broker serving the vicinity of Richmond. The company assists first-time homebuyers, relocating homeowners, or people looking to purchase or refinance properties. Its list of services includes conventional mortgage, FHA, VA, and USDA-rural development programs to its clients. The company also has the non-conforming-bank statement program, which is open for self-employed borrowers who have been self-employed for at least two years. Academy Mortgage, Inc. has been in the industry since 1996.

  • New Construction
  • Refinance

5609 Patterson Avenue, Richmond, VA 23226
WebsiteLicense: 283995

Expertise.com Rating

Review Sources

Google
5.0 (40)
Yelp
4.5 (4)

Why choose this provider?

Richmond-based mortgage agency MAK Financial Group, Inc., has served the community in and around the metro with loan options for purchasing a house. Its list of available loans includes conventional loans, high-balance conventional loans, jumbo and super-jumbo loans, home equity line of credit, 30-year fixed-rate mortgage, and 15-year fixed-rate mortgage. Additionally, it provides reverse mortgages for homeowners aged 62 years or older. Mary Kathryn Perkinson established MAK Financial Group in 1997. She now serves as the agency president.

  • Refinance
  • Reverse Mortgages

4900 Cox Road, Glen Allen, VA 23060
WebsiteLicense: 453662

Expertise.com Rating

Why choose this provider?

Todd Martin is a mortgage broker that caters to clients in Richmond and its surrounding areas. He also performs as a branch manager of the Fairway Independent Mortgage Corporation office in Glen Allen. He strives to help individuals and families realize their homeownership dreams by offering a wide range of home loan options, such as FHA, fixed-rate, USDA, and VA programs. Clients commend Todd for his ability to respond to their concerns and questions and for walking them through the entire loan process.

  • New Construction

1903 Manakin Road, Manakin-Sabot, VA 23103
WebsiteLicense: 393070

Expertise.com Rating

Review Sources

Google
4.0 (55)
Zillow
5.0 (10)
Facebook
5.0 (5)

Why choose this provider?

Established in 1993, RatePro Mortgage is a mortgage brokerage owned and operated by Rick Gilbert. He earned his designation as a certified residential mortgage specialist and was recognized as one of the 2018 Five Star Mortgage Professionals in Richmond. He works with first-time homebuyers, homeowners, and property owners looking to downsize. Gilbert focuses on the latest resources available for various types of mortgage financing, helping clients navigate the complicated loan transaction process. He strives to balance loans in the clients' best interest.

  • Refinance

1910 Byrd Avenue, Richmond, VA 23230
WebsiteLicense: 1936186

Expertise.com Rating

Review Sources

Google
5.0 (50)
Facebook
5.0 (4)
Yelp
5.0 (1)

Why choose this provider?

Brightleaf Mortgage Company offers several types of mortgage loans to clients in Richmond and the surrounding communities. It provides conventional loans from Freddie Mac and Fannie Mae. Additionally, it handles FHA mortgage loans and refinances for first-time homebuyers and low-income to moderate-income families. Veterans and active members of the military and the National Group can also apply for VA mortgage loans. Brightleaf Mortgage Company's team has over 25 years of combined mortgage and real estate experience.

  • Multi-Family Loans

1512 Willow Lawn Drive, Richmond, VA 23230
WebsiteLicense: 2893

Expertise.com Rating

Review Sources

Yelp
3.0 (3)
Facebook
5.0 (2)
Google
5.0 (1)

Why choose this provider?

NFM Lending is a multi-state residential mortgage lending firm serving residential clients in the Richmond area. The company assists active military, veterans, first-home buyers, and move-up buyers. They offer loan programs such as USDA, VA, jumbo, FHA, and conventional. They also provide fixed-rate mortgages and ARMs, and assistance with investor loans and refinancing services. The company's website has mortgage payments and comparison calculators for its clients. NFM Lending was founded in 1998 and is currently licensed in 42 states.

  • Refinance

P.O. Box 6784, Richmond, VA 23230

Expertise.com Rating

Review Sources

Google
4.0 (3)
Facebook
5.0 (1)

Why choose this provider?

Richmond Mortgage, Inc. is a mortgage service company located in Richmond. It specializes in construction loans, commercial lending, and mezzanine lending. It offers loan programs for developing multi-family homes, single-family homes, commercial properties, and land. The company was founded in 2000. It has funded a total of $100 million for home and commercial property projects such as rehab projects, new constructions, or fix-and-flip projects. It provides services for clients in Maryland, Virginia, and Washington, D.C.

  • New Construction
  • Refinance

11551 Nuckols Road, Glen Allen, VA 23059
WebsiteLicense: 196041

Expertise.com Rating

Review Sources

Google
4.0 (14)
Facebook
5.0 (4)

Why choose this provider?

Colonial 1st Mortgage is a mortgage broker based in Richmond. The company finds and processes in-house loans with the right bank and the right product for client needs. It has flexible personal service with national lending power. The team accepts online or in-person applications, shops at multiple banks, pre-approves to-be-determined properties, and extends locks. Colonial 1st also offers reverse mortgages for seniors 62 years or older. Colonial 1st Mortgage is available on evenings or weekends.

  • Multi-Family Loans

1516 Willow Lawn Drive, Richmond, VA 23230
WebsiteLicense: 221367

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

1st Financial Mortgage Corp. is a brokerage firm that offers its services in Richmond and the surrounding communities. It offers several loan programs for purchasers and refinancers alike, such as conventional mortgages, FHA loans, and VA loans. The company has been helping clients navigate through the mortgage process for over 28 years. 1st Financial Mortgage assists clients from a wide range of credit scores. Some of its programs are available even to clients with a FICO score of 620.

  • Refinance

1311 Highpoint Avenue, Richmond, VA 23230
WebsiteLicense: 188666

Expertise.com Rating

Review Sources

Google
4.0 (18)
Facebook
5.0 (3)
Yelp
5.0 (1)

Why choose this provider?

Founded in 1987, Professional Mortgage Corp. is the oldest local mortgage company licensed by the Virginia BFI. It provides clients in Richmond with various home loan options. Whether a borrower is purchasing a new home or refinancing an existing loan, the staff can assist them in obtaining conventional, FHA, VA, and USDA loans. In addition, the team also offers alternative loan programs and reverse mortgages. The company's loan officers have an average of 20 years of experience in the mortgage industry.

  • New Construction
  • Refinance
  • Reverse Mortgages

400 North Ridge Road, Richmond, VA 23229
WebsiteLicense: 1173347

Expertise.com Rating

Review Sources

Facebook
5.0 (20)
Google
5.0 (7)

Why choose this provider?

Home Loan Zone is a mortgage brokerage company serving homebuyers who want to purchase, refinance and renovate their homes in Richmond since 2014. As an independent broker, the company works with many leading lenders that offer the best loan type program, including Home Possible or HomeReady, jumbo, and flex term loans. It also offers conventional fixed-rate with terms ranging from 10 to 30 years. Home Loan Zone is licensed and regulated by the Virginia Bureau of Financial Institutions.

  • Refinance
  • Purchase Transactions

6806 Paragon Place, Richmond, VA 23230
WebsiteLicense: 1021326

Expertise.com Rating

Review Sources

Google
5.0 (108)
Facebook
4.0 (31)

Why choose this provider?

Chris Parks is a mortgage advisor serving the residents of Richmond and the surrounding communities. He helps first-time home buyers and move-up buyers find the mortgage program that matches their financial goals. Parks offers a wide array of residential loan options, including VA, FHA, jumbo, and conforming loan products. He has been in the industry for six years and is fluent in Spanish and English. Additionally, Chris Parks also assists his clients with their home refinancing needs.

  • New Construction
  • Refinance

9401 Courthouse Road, Chesterfield, VA 23832
WebsiteLicense: 615277

Expertise.com Rating

Review Sources

Google
5.0 (67)

Why choose this provider?

Ken Crute is a mortgage broker and the CEO of Capitol Mortgage Group, LLC that serves clients in Richmond, Chesterfield, and surrounding areas. Crute began his career in mortgage lending in 1997 and has since been assisting clients in purchasing a new home, refinancing mortgages, or build family homes. He specializes in offering government-backed loans, such as FHA, VA, USDA, and jumbo loans. Crute also works with his clients to provide adjustable-rate and fixed-rate mortgages.

  • Refinance
  • Purchase Transactions

708 Chimborazo Boulevard, Richmond, VA 23223
WebsiteLicense: 1904162

Expertise.com Rating

Review Sources

Google
5.0 (62)
Facebook
5.0 (15)

Why choose this provider?

William Schroeder is a mortgage broker for 804Mortgage LLC that services clients in Richmond as well as its surrounding communities. He has more than a decade of industry experience and offers personalized mortgage lending options to meet the needs of its clients who are looking to purchase or refinance their homes. Some loan options include conventional, VA, FHA, USDA, fixed-mortgage, and jumbo loans. Additionally, he assists with refinancing to help clients reduce their interest rate and monthly payment or change the length of mortgages.

  • New Construction
  • Refinance

Compare our Top Mortgage Brokers

NameExpertise RatingAddressPromotionsLearn more
CapCenter
4461 Cox Road, Glen Allen, VA 23060Free quote
The O’Neil Mortgage Group at Home Loan Zone, Inc.
400 North Ridge Road, Richmond, VA 23229
Dominion Capital Mortgage Inc.
3900 Westerre Parkway, Richmond, VA 23233
1st Call Mortgage
8339 Wetherden Drive, Mechanicsville, VA 23111
Liberty Mortgage
2501 Monument Avenue, Richmond, VA 23220
Academy Mortgage, Inc.
8100 Three Chopt Road, Richmond, VA 23229
MAK Financial Group, Inc.
5609 Patterson Avenue, Richmond, VA 23226
Todd Martin
4900 Cox Road, Glen Allen, VA 23060
RatePro Mortgage
1903 Manakin Road, Manakin-Sabot, VA 23103
Brightleaf Mortgage Company
1910 Byrd Avenue, Richmond, VA 23230
NFM Lending - Richmond, VA
1512 Willow Lawn Drive, Richmond, VA 23230
Richmond Mortgage, Inc.
P.O. Box 6784, Richmond, VA 23230
Colonial 1st Mortgage
11551 Nuckols Road, Glen Allen, VA 23059
1st Financial Mortgage Corp.
1516 Willow Lawn Drive, Richmond, VA 23230
Professional Mortgage Corp.
1311 Highpoint Avenue, Richmond, VA 23230
Home Loan Zone
400 North Ridge Road, Richmond, VA 23229
Chris Parks
6806 Paragon Place, Richmond, VA 23230
Ken Crute
9401 Courthouse Road, Chesterfield, VA 23832
William Schroeder
708 Chimborazo Boulevard, Richmond, VA 23223

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.