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Best Mortgage Brokers in Virginia Beach

2023

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Website
3 Commercial Pl, Ste 1410, Virginia Beach, VA 23510
  • Purchase
  • New Construction
  • Refinance

Why choose this provider?

RW Towne Mortgage provides local processing and operations for mortgage needs of clients in the Virginia Beach area. It offers loan options for homeowners who want to purchase, refinance, or build their homes. Its loan options include conventional, FHA, VA, USDA, and jumbo. The company also provides assistance with 203K loans for homeowners who want to secure financial help in building their homes. Its website has a mortgage payment calculator. NewTowne Mortgage is a division of TowneBank.

License Verified:

License: 1405934

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.
4.0
Google
4.0 / 5 (147)

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
200 Golden Oak Court, Virginia Beach, VA 23452
  • Refinance

Why choose this provider?

Virginia Beach-based loan originator Ray Ward provides financial advice for clients purchasing or refinancing their homes. Ward is a loan specialist with Tidewater Mortgage Services, Inc. who handles mortgage underwriting and loan processing locally and in-house. Ward specializes in assisting families and veterans in qualifying for government loan programs, including VHDA, FHA, and VA. His team also offers its services to clients in need of financing for renovation and remodeling projects.

License Verified:

License: 264957

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.
4.3
Google
4.0 / 5 (1190)
Zillow
5.0 / 5 (515)
Facebook
4.0 / 5 (75)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
1436 South Independence Boulevard, Virginia Beach, VA 23462
  • New Construction
  • Refinance

Why choose this provider?

VA Mortgage Corp. is a mortgage brokerage that serves Virginia Beach and the surrounding areas. It offers several loan options for home buyers, such as VA loans, FHA loans, jumbo loans, 30-year FRMs, and 15-year FRMs. Its services are also available to those looking to refinance for various purposes. Whether clients are looking to lower their monthly payments, pay off their mortgage more quickly, consolidate debt, or get some cash out of their home equity, VA Mortgage Corp. can offer some assistance.

License Verified:

License: 1635553

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 (32)
Facebook
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
564 Lynnhaven Parkway, Virginia Beach, VA 23452
  • Refinance

Why choose this provider?

Veterans United Home Loans of Hampton Roads is a company of mortgage brokers in Virginia Beach that specializes in VA loans. The company was founded in 2002 to specifically cater to veteran loans requests for home financing and refinancing. It has since helped countless uniformed personnel, veterans, and military spouses purchase their dream houses or refinance their homes. The firm also has a team of retired servicemen from each armed forces branch that travels across the US to teach financial literacy to currently enlisted personnel.

License Verified:

License: 397065

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 (303)
Facebook
5.0 / 5 (30)
Yelp
3.0 / 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
208 Golden Oak Court, Virginia Beach, VA 23452
  • Refinance

Why choose this provider?

RoundPoint Mortgage Servicing Corporation provides conventional and government-back mortgage loan options in Virginia Beach. Founded in 2007, the company has evolved into a large, fully integrated, non-bank mortgage company and operates in the states of both Texas and South Carolina. The business offers conventional, refinancing options, FHA loans, and VA for homeowners and first-time buyers. RoundPoint Mortgage is an equal housing lender and a subsidiary of the Freedom Mortgage Corporation.

License Verified:

License: 18188

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

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.
2.0
Responsiveness
Friendliness
––
Helpfulness
––
Detail
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Website
600 22nd Street, Virginia Beach, VA 23451
  • New Construction
  • Refinance

Why choose this provider?

TowneBank Mortgage is a brokerage the offers its services to Virginia Beach and the surrounding areas. It offers a variety of loan products such as conventional, FHA, VA, jumbo, and reverse mortgages. For clients looking to use the equity in their homes for renovations or lower their interest rates, the company also offers refinancing programs. TowneBank Mortgage also has a mobile app available for download. It allows clients to run various scenarios, upload loan documents, and get updates on the status of their loan from their mobile devices.

License Verified:

License: 512138

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 (490)
Facebook
5.0 / 5 (2)

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
780 Lynnhaven Parkway, Virginia Beach, VA 23452
  • New Construction
  • Refinance

Why choose this provider?

Atlantic Mortgage & Funding, Inc. is a Virginia Beach-based company that offers mortgage solutions in the metro and surrounding areas. The company provides various mortgage services such as 30-year, 20-year, and 10-year mortgages. In addition, it also offers conventional, VA, and jumbo loans. It is partnered with more than 100 investors to provide different mortgages and loan options to its clients. Founded in 2006, Atlantic Mortgage & Funding, Inc. has helped thousands of customers in their refinancing and home purchasing loans.

License Verified:

License: 155675

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.
4.2
Google
4.5 / 5 (84)
Yelp
2.7 / 5 (22)
Facebook
5.0 / 5 (7)

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
4433 Corporation Lane, Virginia Beach, VA 23462
  • Refinance

Why choose this provider?

Kevin West is a mortgage broker and loan officer that works for Southern Trust Mortgage. He operates in Virginia Beach and caters to first-time homeowners, potential home buyers, and incoming residents. West can explain different loan and refinancing options, such as jumbo and FHA loans. He can also estimate the monthly expenses of different mortgage rates, either for conventional or specialized loan programs. West is licensed for loan processing and referrals in ten different states, including Tennessee and Alabama.

License Verified:

License: 929021

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 (42)
Facebook
5.0 / 5 (22)

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
580 Lynnhaven Parkway, Virginia Beach, VA 23452
  • Refinance
  • Purchase Transactions

Why choose this provider?

VA Choice Home Mortgage is a mortgage brokerage firm that helps clients, especially veterans in Virginia Beach, secure home loans. Whether it is a single-family home, condominium, or townhouse, the company offers a suite of loan programs through some top wholesale lenders. The loan programs include VA loans, FHA loans, USDA loans, and jumbo loans. These may come in varying rates and terms, such as fixed and adjustable rates and interest only.

License Verified:

License: 1782212

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.
3.9
Google
4.0 / 5 (47)
Yelp
1.0 / 5 (2)

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 Laskin Road, Ste 100, Virginia Beach, VA 23451
  • New Construction
  • Refinance

Why choose this provider?

Atlantic Coast Mortgage, LLC is a company that serves Virginia residents. Clients planning to buy a house can choose from loan options like reverse mortgage for purchase, conventional, FHA, jumbo, VA, and USDA loan programs. It also offers refinancing options and reverse mortgage to help pay monthly bills or make home improvements. Atlantic Coast Mortgage was founded in 2011. The company is committed to helping local communities by supporting organizations, such as Children’s National and ASK Children's Cancer Foundation.

License Verified:

License: 1820274

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.
4.3
Google
4.0 / 5 (49)
Facebook
5.0 / 5 (33)
Yelp
1.0 / 5 (2)

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
2476 Nimmo Parkway, Virginia Beach, VA 23456
  • Refinance

Why choose this provider?

United Atlantic Mortgage is a full-service mortgage brokering for military service members, professionals, and residents in Virginia Beach. It offers military veterans financing programs, federal housing administration financing, conventional financing, and USDA financing. It also offers financing programs for applicants with bad or low credit scores, delinquent credits histories, and bankruptcies. Its lending specialists help clients find the loan that fits their ideal or challenging situations. They facilitate the application and assist clients throughout the loan process.

License Verified:

License: 347045

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.
3.8
Facebook
4.0 / 5 (19)
Google
3.0 / 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
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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.