Expertise.com

2024

Last updated:

Best Mortgage Brokers in Norfolk

Our Recommended Top 10

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

66Reviewed

43Curated

10Top 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

Zillow
5.0 (584)
Google
4.6 (293)
Facebook
4.5 (31)

Why choose this provider?

CapCenter is a mortgage company serving clients in and around Norfolk. Since 1997, it has been delivering mortgage solutions to people planning to purchase their own homes or refinance existing loans. It guides first-time or seasoned homebuyers in selecting the most suitable financing options for them. Some of the programs it handles are jumbo, conventional, FHA, VA, and adjustable-rate mortgages. Gary Piacentini, the firm's founder and president, spent over 20 years practicing law. During this time, he served as counsel for banks' mortgage banking divisions, where he gained in-depth knowledge of the industry.

  • Insurance
  • Mortgage Refinance
  • Purchase Mortgages
  • Realty Sell
  • Realty Purchase

Norfolk, VA

Expertise.com Rating

Why choose this provider?

Need help contacting a Mortgage Broker in Norfolk? 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.

3 Commercial Pl, Ste 1410, Norfolk, VA 23510
WebsiteLicense: 1405934

Expertise.com Rating

Review Sources

Google
5.0 (52)
Zillow
4.9 (29)
Facebook
5.0 (1)

Why choose this provider?

Chris Bufis has been providing professional financial advice in Norfolk. He is a professional mortgage loan officer at RW Towne Mortgage, focusing on clients needing assistance in purchasing a first home, an investment home, or refinancing. He offers a variety of loan products such as conventional loans, FHA loans, VA loans, and USDA loans. Bufis even deals with the building loan and 203K needs. He also has mortgage calculators to compute the loan term, interest rate, down payment, and property tax.

  • Purchase
  • Refinance

1612 Centerville Turnpike, Virginia Beach, VA 23464
WebsiteLicense: 212405

Expertise.com Rating

Review Sources

Google
4.0 (223)

Why choose this provider?

CMS Mortgage Solutions Inc is a full-service mortgage lending firm that provides solutions in refinance, purchase, and renovation loans to customers throughout Norfolk. Founded in 2004, the company offers a broad range of loan options including, reverse mortgages, FHA, VA, and USDA loans. Over the past 15 years, CMS Mortgage Solutions Inc has helped more than 5,000 borrowers achieve their dream homes. Corrina Carter, the owner of the agency, is well-versed in loan processing, origination, and underwriting.

  • Refinance
  • Reverse Mortgages

600 22nd Street, Virginia Beach, VA 23451
WebsiteLicense: 1611080

Expertise.com Rating

Review Sources

Google
5.0 (27)

Why choose this provider?

Advance Financial Group is a mortgage brokerage serving clients in Norfolk and the surrounding areas. It provides mortgage solutions for homeowners who want to purchase, refinance, or build their homes. Loan options include conventional, FHA, VA, USDA, and Jumbo, as well as 203K loans for homeowners who want to build their own homes. The company has recently launched a mobile mortgage application for faster details upload and status updates. Advance Financial Group is a division of TowneBank.

  • Commercial Loans
  • Multi-Family Loans

580 Lynnhaven Parkway, Virginia Beach, VA 23452
WebsiteLicense: 1782212

Expertise.com Rating

Review Sources

Google
4.9 (68)

Why choose this provider?

VA Choice Home Mortgage is a mortgage brokers' company serving Norfolk and the surrounding communities. It provides its clientele of homeowners, first-time home buyers, and investors with a wide range of loan options for various property types, such as single-family and multifamily homes, condominiums, and townhouses. VA Choice Home Mortgage offers traditional fixed-rate mortgages, adjustable-rate loans, graduated payment options, and interest-only loans. VA loans, FHA loans, USDA loans, and jumbo loans are also available.

  • Refinance

295 Bendix Road, Suite 400, Virginia Beach, VA 23462
WebsiteLicense: 929021

Expertise.com Rating

Review Sources

Google
5.0 (43)
Facebook
5.0 (8)

Why choose this provider?

Kevin West is a Southern Trust Mortgage loan officer serving those who want to purchase a home or an investment property at Norfolk. He provides financial guidance and expert advice on mortgage decisions parallel to his customers' needs. West specializes in home loan programs such as first-time homebuyers, conventional, USDA, and FHA loans. His company's website features the mortgage process, a mortgage calculator, and a home loan checklist. Potential customers can directly inquire to West through an online form found on his company's website.

  • Refinance

1108 Eden Way North, Chesapeake, VA 23320
WebsiteLicense: 41552

Expertise.com Rating

Review Sources

Google
4.0 (67)
Facebook
5.0 (9)

Why choose this provider?

Tidewater Home Funding has been serving families in Norfolk and the surrounding communities since 2000. With its partner lenders Benchmark Mortgage Companies and Farmers Bank Home Mortgage, it offers home purchase and refinancing options that include conventional mortgage, FHA, VA, USDA, and jumbo loans. Aside from that, the team of loan officers helps finance residential constructions and renovations. Tidewater Home Funding has six offices across Virginia. The company is a member of the VMBA.

  • Refinance
  • Reverse Mortgages

600 22nd Street, Virginia Beach, VA 23451
WebsiteLicense: 521226

Expertise.com Rating

Review Sources

Google
5.0 (44)

Why choose this provider?

Stefanie Levensalor is a senior mortgage loan officer for Towne Mortgage that home financing and refinancing options to clients in the Norfolk metro and the entire North Carolina areas. She has been in the real estate financing industry for more than 15 years and was exposed to real estate construction early on through her parents who are building professionals. Some of the home financing programs she offers include conventional loans, jumbo loans, USDA loans, VA loans, and FHA loans.

  • New Construction
  • Refinance

1612 Centerville Turnpike, Virginia Beach, VA 23464
WebsiteLicense: 268012

Expertise.com Rating

Review Sources

Google
5.0 (8)

Why choose this provider?

Joe DiCenzo is a mortgage loan originator affiliated with CMS Mortgage Solutions. He operates within Virginia Beach and its nearby communities, including Norfolk. Joe can assist clients in acquiring a varied selection of financing options such as fixed-rate and adjustable-rate and reverse mortgages as well as jumbo and FHA loans. In addition, he can help clients refinance their existing mortgages. Joe uses his experience in the mortgage industry to educate clients and help them make informed decisions throughout the mortgage process.

  • Refinance

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.