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Best Mortgage Brokers in Portsmouth

Our Recommended Top 3

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



3Top Picks

Learn about our selection process.


featured provider = Featured Provider

Portsmouth, VA
WebsiteLicense: 67717 Rating

Why choose this provider?

CapCenter is a family-owned agency that caters to the mortgage needs of residential and commercial property owners in Portsmouth and its nearby neighborhoods. It offers a range of mortgage products, from VA, first-time homebuyer, and FHA to conventional programs from Freddie Mac and Fannie Mae. Its team of mortgage brokers draws from over 20 years of collective industry experience to guide customers throughout the home buying and selling process. They are licensed in Florida and North Carolina. CapCenter also handles mortgage refinance and insurance policies.

  • Commercial Loans
  • HECM for Purchase
  • Foreign National Investor Loans
  • Home improvement
  • HELOCs
  • First Time Home Buyer Financing
  • FHA Loans
  • FHA and VA mortgages
  • FHA
  • Education

Portsmouth, VA Rating

Why choose this provider?

Need help contacting a Mortgage Broker in Portsmouth? 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.

440 Monticello Ave Ste 1800, Norfolk, VA 23510
WebsiteLicense: 1797060 Rating

Review Sources

5.0 (80)
5.0 (5)

Why choose this provider?

First Signature Mortgage helps borrowers in Portsmouth understand the loan process and identify the right choice for their financial and home needs. Its loan originators have access to various mortgage options from different lenders to give its clients choices that fit their individual and family goals. First Signature Mortgage aims to give its borrowers custom-fit loans by offering multiple products and plans and providing proper advice based on their qualifications, application information, and credit report.

  • Refinance


  • 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.