Best Mortgage Brokers in Charlottesville, Virginia

Blane Stewart is a mortgage loan officer with NFM Lending serving Orange, VA and surrounding communities. With a 5-star rating from over 500 Google reviews, Blane specializes in helping first-time homebuyers, refinance clients, and families navigating the mortgage process with personalized service and local market expertise. He offers a full range of loan programs including conventional, FHA, VA, USDA, and jumbo loans, with a focus on clear communication and finding the right financing solution for each client's unique situation.

Andy Zemon Team at Novus Home Mortgage offers comprehensive mortgage lending services across all 50 states, including conventional, FHA, VA, USDA, and jumbo loans. With over 20 years of experience and expertise as a Certified Mortgage Planning Specialist, Andy creates tailored financial plans for homebuyers and is the preferred lender for top local builders and realtors. The team handles everything from purchase and refinance loans to construction financing, home equity lines of credit, and specialized programs like barndominium and DSCR loans.

Jenna Stiltner is a Vice President and Senior Loan Officer at Atlantic Coast Mortgage with over 20 years of real estate experience, including extensive closing transaction knowledge from her early career with a real estate attorney. She originates purchase and refinance loans throughout Virginia and North Carolina, leading The Stiltner Team to provide customized, around-the-clock support to borrowers. Her practice is distinguished by consistent industry recognition and a commitment to giving back—the team donates from every loan transaction to local community organizations.

Scott Morris is a mortgage lender with over 10 years of real estate experience, serving clients across VA, DC, NC, PA, and WV through Envoy Mortgage. As a veteran and branch manager, Scott specializes in making the mortgage process transparent and straightforward for first-time homebuyers and seasoned investors alike. His team offers a comprehensive menu of loan products and provides personalized guidance to help clients achieve their homeownership goals with integrity and expertise.

Anthony Cellini is a mortgage loan officer at NFM Lending, a national mortgage lender based in Orange, VA. He specializes in helping borrowers secure financing for home purchases and refinancing, offering access to a wide range of loan products including conventional, FHA, VA, and jumbo loans. With deep local knowledge of the Orange area and personalized service, Anthony guides clients through the mortgage process with expert guidance and competitive rates.

Embrace Home Loans in Culpeper is a full-service mortgage lender offering conventional, FHA, VA, USDA, and 203K loans for first-time homebuyers, experienced buyers, and investors. The team, led by Area Manager Patrick Holland and Sales Manager Christina Swift, provides personalized guidance through pre-approval, low/no down payment options, debt consolidation, and refinancing services. With over 30 years of experience and a commitment to helping customers achieve homeownership, Embrace brings expert consulting and comprehensive loan options to the Culpeper community.

Whit Douglas is a Vice President and Branch Manager at First Heritage Mortgage with 16+ years of mortgage banking experience. He offers comprehensive home financing solutions including mortgage origination and refinancing for homeowners and investors throughout Virginia. His background as a real estate agent and investor gives him deep market knowledge and insight into the lending process from multiple perspectives.

Ryan Schuett is an Executive Mortgage Consultant at Prosperity Home Mortgage with over 18 years of lending experience, specializing in home purchases, refinances, new construction, government loans, and jumbo transactions. Based in Charlottesville, Ryan works with first-time homebuyers through experienced homeowners, offering education-focused guidance to simplify the mortgage process. She leverages builder relationships and lender incentives to help clients secure favorable financing with expedited pre-approval turnaround times of 24-48 hours.

Todd Jenkins is a senior mortgage banker with 18 years of experience who has helped nearly 2,000 families achieve homeownership across Central Virginia. Licensed in Virginia and North Carolina, Todd specializes in working with first-time homebuyers, empty-nesters, and everyone in between, offering pre-qualification, full loan applications, underwriting, and closing support with transparency and responsiveness. As a member of multiple REALTORS® associations and the Mortgage Bankers Association, he provides tailored guidance through every step of the mortgage process.

Home Loan Zone is an independent mortgage broker serving Richmond, VA and surrounding areas, specializing in home purchases, refinances, and renovation loans. Owned by Nicola McCloskey, the firm distinguishes itself by shopping multiple lenders to deliver competitive rates and customized loan strategies tailored to clients' long-term goals. Their team provides personalized service from pre-qualification through closing, emphasizing clear communication, fast processing, and detailed guidance for both first-time and experienced homebuyers.

Ben Aliff is a Senior Loan Officer with over 15 years of mortgage industry experience at First Heritage Mortgage in Charlottesville. He specializes in guiding clients through various loan programs, from first-time homebuyer financing to refinancing and real estate investment mortgages. Ben's approach emphasizes personalized service, clear communication, and deep knowledge of the local Virginia real estate market to help clients make informed decisions and achieve their homeownership goals.

Atlantic Coast Mortgage's Charlottesville branch offers a wide range of mortgage loan products and refinancing options with a focus on simplifying the homebuying process. Led by experienced loan officers including VP Chris Stiltner and VP Jenna Stiltner, the team works to help clients close on time while providing tools and guidance to make informed decisions about their home investment. They serve Charlottesville and surrounding Virginia communities with a straightforward application process and personalized rate quotes.

Jay Domenic is a mortgage loan officer with Towne Mortgage serving the Charlottesville, Virginia area with over 37 years of experience helping borrowers achieve homeownership. He specializes in Conventional, FHA, VA, and USDA loans, and is particularly skilled at guiding first-time homebuyers and those seeking refinancing through the mortgage process. Jay is known for clear communication, responsiveness, and an ethical approach to home financing, even helping clients in situations where other lenders turned them away.

Tammy L Wilt is a Senior Mortgage Banker with Gray Fox Mortgage serving Virginia and North Carolina since 2000, helping 1,200+ families secure mortgages with a focus on first-time buyers and down payment assistance programs. With 30 years in finance and deep roots in the Charlottesville community, Tammy specializes in making the mortgage process transparent and manageable for all borrower types. Her approach emphasizes education and personalized guidance to match clients with the loan products that best fit their unique financial situations.

Crown Mortgage is a Virginia and North Carolina-based home loan specialist serving the Charlottesville area and beyond. The team provides comprehensive mortgage services including home purchase loans, refinancing, and home equity options, with a focus on personalized attention and matching clients with the right loan for their situation. They handle conventional loans, FHA, VA, and jumbo mortgages, offering fast pre-qualification and working to guide clients through the entire application and approval process.

Carl Garrett is a mortgage loan officer with Movement Mortgage in Charlottesville, VA, specializing in helping homebuyers find the right loan products for their unique situations. With a track record of repeat clients and a reputation for responsiveness and creative problem-solving, Carl guides borrowers through pre-approval, loan selection, and closing. Movement Mortgage is an Impact Lender that returns nearly 50% of profits to community development.

Patricia I Madison is a Branch Manager and Licensed Loan Originator with Homestead Funding Corp, specializing in personalized mortgage solutions across New York, Connecticut, New Jersey, Virginia, and Florida. She takes a comprehensive approach to loan structuring, working with clients to design financing plans that align with their specific goals, budget, and monthly payment needs. Patricia's focus on transparency means clients enter closing with full understanding of their loan terms, costs, and options—no surprises.

Katie Shiers is a Branch Manager with Guild Mortgage in Charlottesville, VA, bringing 15+ years of mortgage industry experience. She specializes in working with first-time homebuyers, investment properties, new construction, home renovations, and refinancing. Katie focuses on making the mortgage process smooth and stress-free by providing personalized attention, exploring down payment assistance options, and ensuring clients understand their loan options before closing.

Moe Barros of MBS Mortgage is a local mortgage broker with 25 years of lending experience serving the Charlottesville area. He specializes in helping first-time homebuyers and Hispanic families achieve homeownership through a consultative approach, offering conventional loans, FHA, VA, USDA, jumbo loans, and refinancing options. Moe provides bilingual service in English and Spanish and maintains close partnerships with local real estate agents to ensure a seamless home buying experience.

Gray Fox Mortgage is a full-service mortgage lender serving Charlottesville and beyond, specializing in home purchases and refinancing with conventional, FHA, VA, and USDA loan programs. Led by experienced mortgage bankers with over 150 combined years in the industry, Gray Fox emphasizes transparent communication and tailored solutions designed to fit each borrower's unique financial situation and goals.

Mike Buczynski is a Senior Loan Officer with 25 years of mortgage banking experience at First Heritage Mortgage, LLC, serving Virginia, Maryland, West Virginia, and South Carolina. He specializes in FHA, USDA, VHDA, and Conventional loan programs, along with alternative products, helping clients navigate complex financing transactions with personalized guidance. Mike leads a dedicated team including Loan Officer Evan Hansen, combining extensive industry knowledge with a commitment to responsive, proactive service.

Jonathan Higginbotham is a Senior Mortgage Loan Officer with Movement Mortgage, specializing in helping homebuyers find the right loan products for their unique situations. Based in Blacksburg with service to the Charlottesville area, Jon brings personalized guidance through the mortgage process, from pre-approval and loan selection to closing and ongoing payment management. As a Navy veteran, he has particular expertise working with military borrowers and VA loans.

C&F Mortgage Corp's Charlottesville branch offers comprehensive mortgage lending services to help homebuyers and refinancers achieve their homeownership goals. Led by knowledgeable local loan officers who understand the Central Virginia market, they guide clients through the entire mortgage process with personalized expertise and support.

First Heritage Mortgage in Charlottesville offers a comprehensive range of home financing solutions including conventional mortgages, FHA/VA/USDA government loans, construction and renovation financing, refinancing, and specialty programs like bridge loans and second mortgages. Their experienced loan officers work with borrowers of all credit profiles to find personalized solutions, with special emphasis on first-time homebuyer programs featuring down payment assistance grants and flexible credit qualifying options.

Larry Saunders at NEXA Mortgage, LLC is a mortgage lender serving the Charlottesville area, helping clients secure financing for home purchases and refinancing. With access to multiple lenders through NEXA Mortgage's network, Larry works to find competitive loan options tailored to each client's financial situation. His personalized approach focuses on guiding borrowers through the mortgage process from pre-approval to closing.

Embrace Home Loans is a mortgage lender serving Charlottesville and surrounding areas with a local branch staffed by experienced loan officers including Area Manager Patrick Holland and Senior Loan Officer Hal Johnson. Since 1983, they've helped hundreds of thousands of homebuyers and offer a wide range of loan products including conventional, FHA, VA, USDA, and cash-out refinance options. They also assist with financial goals beyond home purchases, such as funding renovations, debt consolidation, and education expenses.

Compass Home Loans is a mortgage lending service based in Charlottesville, Virginia, offering home financing solutions to borrowers in the local area. With a focus on personalized service, they help clients navigate the mortgage process and find financing options suited to their needs.

Compass Home Loans LLC is a mortgage lending service based in Charlottesville, Virginia, providing home financing solutions to local borrowers. With a focus on personalized service in the Charlottesville area, they help clients navigate the mortgage process and find financing options suited to their needs.