Expertise.com
2024

Last updated:

Best Mortgage Brokers in Germantown

Our Recommended Top 13

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

34

Reviewed

25

Curated

13

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
839K Quince Orchard Blvd., Gaithersburg, MD 20878
  • Refinance
  • NMLS #1907548
  • Purchase and Refinance

Why choose this provider?

Elite Mortgage, LLC, specializes in helping clients purchase and refinance homes. It provides borrowers in the Germantown area with a variety of options, including conforming, jumbo, FHA, VA, and no-income doc loans. The service area for non-QM loans covers the majority of states. The firm's loan officers offer access to soft-pull credit reports and issuance of pre-approval letters within 24 business hours. Elite Mortgage also serves clients in various states, including Virginia, Florida, Georgia, Texas, and Washington, DC.

License Verified:

License: 1907548

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (30)
Yelp
4.9 / 5 (27)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
7811 Montrose Road, Suite 430, Potomac, MD 20854
  • Refinance

Why choose this provider?

Greenway Funding Group, Inc., is a team of mortgage professionals serving Germantown. It helps borrowers select a program, whether conforming FRMs or ARMs, non-conforming products, or government-funded VA and FHA loans, based on their present financial situation and future plans for their property. The company also offers home equity and refinance options for those seeking to lock in their mortgage at a lower rate. Greenway Funding Group has expanded its business to provide lending services to numerous states, including Virginia, Delaware, Georgia, and Texas.

License Verified:

License: 1108695

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
5.0 / 5 (56)
Facebook
4.1 / 5 (22)
Yelp
4.5 / 5 (14)

(+1 additional source)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
15245 Shady Grove Road, Suite 430, Rockville, MD 20850
  • Refinance
  • New Construction

Why choose this provider?

Apex Home Loans has been helping individuals and families in Germantown with their home purchase decisions for over 20 years. The firm offers various mortgage options, which include conventional, jumbo, high balance, and Fannie Mae HomeReady loans. In addition, it has refinancing solutions, including traditional, no-closing-cost, FHA streamline, and cash-out. Apex Home Loans has been featured in several publications, such as The Washington Post, Nerdwallet, and CNBC. It is also licensed to operate in Georgia, Delaware, and Florida.

License Verified:

License: 2362363

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Zillow
5.0 / 5 (990)
Google
4.9 / 5 (549)
Facebook
5.0 / 5 (127)

(+1 additional source)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
438 N. Frederick Ave. Ste 225, Gaithersburg, MD 20877
  • Refinance

Why choose this provider?

Sunny Lending, LLC, is a mortgage originating, lending, and brokerage company catering to the locals of Germantown. Its team provides a variety of mortgage programs, including asset qualification programs, conforming fixed rates, adjustable rates, non-QM bank statements, WVOE, and DSCR. The company educates clients on the loan options best suited to their needs and situations, including jumbo, commercial, VA, USDA, FHA, and renovation. Other services include assistance with hard money, DPA, and new construction. Its staff has more than 20 years of combined industry experience.

License Verified:

License: 1727404

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.6 / 5 (54)
Zillow
4.1 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
932 Hungerford Dr 1A,, Rockville, MD 20850
  • New Construction

Why choose this provider?

A-Z Mortgage Inc. helps Germantown-based customers consolidate their debt, search for their dream homes, or refinance their property to acquire a lower rate through its loan programs. These include FHA, fixed-and adjustable rates, Fannie Mae HARP, VA, conventional, and high-balance loans. Its team of mortgage brokers guides clients in the home selling and buying process, including evaluating their current savings and debts, reviewing their credit scores, and assessing their employment history. They are also licensed to respond to the mortgage needs of Virginia residents.

License Verified:

License: 877231

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (84)

Website
555 Quince Orchard Road, Suite 411, Gaithersburg, MD 20878
  • Refinance

Why choose this provider?

Fidelity Direct Mortgage provides multiple types of loans and mortgages to its clients in and around the Germantown community. The company offers a variety of mortgage loan alternatives, including 30-year and 15-year fixed rates, adjustable rates, hybrid adjustable rates, 2/1 buy-downs, yearly ARMs, and monthly ARMs. Its team also assists in applying for reverse mortgages, such as fixed rates, LIBOR adjustable rates, and variable rates. Fidelity Direct Mortgage was established in 2006 by a group of five professionals.

License Verified:

License: 188829

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (143)
Facebook
4.8 / 5 (34)
Yelp
4.3 / 5 (26)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
700 King Farm Boulevard Suite 620, Rockville, MD 20850
  • Refinance

Why choose this provider?

Nick Pakulla is a senior loan officer for George Mason Mortgage. He leads a team that assists Germantown residents as they filter mortgage options for their home purchase or refinance. He offers ARM, VA, USDA, bridge, and new construction loans, as well as down payment assistance programs for first-time homeowners. Jumbo mortgages are also available for those considering living in high-cost areas. Pakulla’s local and boutique team serves as a single point of contact for customers, from loan origination to closing.

License Verified:

License: 728211

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (109)
Facebook
5.0 / 5 (66)
Yelp
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
555 Quince Orchard Road Suite 650, Gaithersburg, MD 20878
  • Refinance

Why choose this provider?

Presidential Bank Mortgage Gaithersburg serves families and individuals in Germantown and the surrounding areas. It is a full-service residential mortgage lender that has been in business since 1987. Its mortgage programs include VA, FHA, conventional, and construction loans. It also offers refinance loans and home equity lines of credit. The firm is the operating division of Presidential Bank, FSB. Its executive vice president, Michael Carr, has more than 30 years of experience in the mortgage industry.

License Verified:

License: 527965

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (102)

Website
16220 Frederick Road, Gaithersburg, MD 20877
  • Refinance

Why choose this provider?

Cornerstone Mortgage serves individuals, families, and businesses in Germantown and the surrounding areas. It is a mortgage lending firm that caters to customers who need assistance in purchasing properties, such as residential and vacation homes, as well as commercial buildings. It works with different lenders to provide clients with a variety of loan options. Some of its mortgage programs are conventional fixed- and adjustable-rate mortgages and VA, FHA, and SBA loans. It also offers rehab and fixer-upper loans.

License Verified:

License: 205620

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.2 / 5 (5)
Zillow
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
17 W. Jefferson St Suite 201, Rockville, MD 20850
  • Refinance

Why choose this provider?

District Home Loans serves clients throughout Germantown. The company guides aspiring homeowners across the mortgage application process, from pre-approval to closing. It offers different program options, including USDA and VA loans. The company also provides the FHA 203(K) loan, a solution that allows borrowers to finance home renovation projects. It maintains a website with a mortgage calculator to help clients with their decision-making. Its CEO, Silvia Anders, has spent more than a decade in the mortgage industry.

License Verified:

License: 2128918

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (40)
Facebook
5.0 / 5 (7)
Yelp
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
9211 Corporate Blvd Ste #200, Rockville, MD 20850
  • Refinance

Why choose this provider?

Mortgage 4 U helps Germantown residents who are looking for home financing options. It helps borrowers digest information and compare various mortgage products before making a home purchase or refinance. The independent lending company partners with investors to secure favorable loan terms for its customers. Additionally, it offers commercial loan programs, including portfolio and niche mortgages, to real estate investors. The multilingual team at Mortgage 4 U is fluent in English, Chinese, Korean, Vietnamese, and Spanish.

License Verified:

License: 177901

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
16039 Comprint Circle, Gaithersburg, MD 20877
  • Refinance

Why choose this provider?

The Mortgage Gallery caters to clients across the Germantown area. It works with self-employed borrowers, wage earners, and divorced applicants and provides different program options, including FHA, VA, and USDA loans. The company sets up other mortgages, including fixed-rate and adjustable-rate loans. It also deals with homeowners refinancing their mortgages and offers guidance through the process to help them consolidate debt. The Mortgage Gallery has been in business since 2002. One of its team members, Veronica Eisenbart, holds a bachelor's degree in economics.

License Verified:

License: 175256

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Zillow
5.0 / 5 (31)
Google
4.6 / 5 (10)
Facebook
5.0 / 5 (5)

Frequently Asked Questions

  • 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.