Areas served: Fredericksburg, VA and surrounding Stafford, Spotsylvania, Caroline, and King George counties
Fredericksburg's mortgage market serves a diverse mix of historic downtown properties, growing suburban developments in Stafford and Spotsylvania counties, and military-connected buyers near Quantico. Local brokers navigate unique considerations including historic district financing, VA loan expertise for the substantial military community, and programs for first-time buyers in one of Virginia's fastest-growing regions. This directory provides evaluated comparisons of mortgage brokers serving Fredericksburg and the broader Rappahannock region.
Prosperity Home Mortgage, LLC is a national mortgage lender with local expertise based in Fairfax, VA, offering a comprehensive suite of home financing solutions including purchase mortgages, refinancing, real estate investor loans, and specialized programs like first-time homebuyer financing and no-money-down options. Led by CEO Justin Messer, the company combines technology-driven lending with one-on-one mortgage consultant guidance to deliver competitive rates and expedited closing options. Their community-focused approach and emphasis on personalized service across all 50 states makes them a strong choice for borrowers seeking both competitive products and attentive customer support throughout the mortgage process.
Embrace Home Loans is a full-service mortgage lender with over 30 years of industry experience serving Fairfax, VA and surrounding areas. Their experienced team of loan officers specializes in conventional loans, FHA loans, VA loans, USDA loans, and refinancing options, with dedicated support for first-time homebuyers and those seeking to refinance. Beyond mortgages, Embrace offers debt consolidation, education financing, and comprehensive financial planning services to help clients achieve their homeownership and financial goals.
Loansteady is a mortgage lender based in McLean, VA that specializes in making the home loan process more human and accessible. They offer purchase mortgages, refinancing, VA loans, DSCR loans, and dedicated first-time homebuyer resources. Built to be small by design, they prioritize personalized service and agility to work with borrowers across all experience levels and loan types.
The Hine & Taylor Mortgage Team at Fairway Independent Mortgage Corp. provides comprehensive mortgage solutions including conventional loans, FHA loans, VA loans, and refinancing options to homebuyers and existing homeowners in the Fredericksburg area. Led by experienced loan officers Scott Hine and Jordan Taylor, the team specializes in helping first-time buyers navigate the lending process while also serving move-up buyers and those seeking to refinance. As part of Fairway's network, they offer access to multiple lending partners and competitive rates backed by personalized service.
Nick Bohn is a mortgage loan officer with Movement Mortgage, a national lender, based in Fredericksburg, VA. He specializes in helping borrowers secure financing for home purchases and refinances, offering access to multiple loan programs including conventional, FHA, VA, and jumbo loans. Nick works with first-time buyers, experienced homeowners, and borrowers seeking to refinance existing mortgages.
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.
Mac Church is a VP and Senior Loan Officer at Atlantic Coast Mortgage with 19 years of mortgage banking experience, having assisted over 4,200 families with home financing. Based in Fredericksburg, VA, Mac specializes in purchase loans, refinancing, and reverse mortgages, with particular expertise serving first-time homebuyers and military personnel. He is known for plain-language explanations, personalized guidance, and commitment to clear communication throughout the lending process.
Chad Hallett is a mortgage loan officer with Movement Mortgage serving the Fredericksburg, VA area. Movement Mortgage is a national lender offering conventional, FHA, VA, and jumbo loan products with a streamlined digital platform combined with personalized service. Chad specializes in helping borrowers navigate the mortgage process with transparent guidance and competitive rates.
Lisa Nichols is a mortgage loan officer with Atlantic Coast Mortgage serving the Fredericksburg, VA area. She specializes in helping borrowers navigate the mortgage process with personalized guidance and competitive loan options. Whether you're a first-time homebuyer, refinancing an existing loan, or seeking specialized financing programs, Lisa works with multiple lenders to find the right fit for your financial situation.
Nationwide Mortgage Bankers is a mortgage lender serving the Fredericksburg, VA area with loan officer Michael Lee. They offer a range of mortgage products including conventional loans, refinancing, FHA loans, VA loans, and jumbo loans. As a direct lender with NMLS certification, they provide personalized loan origination services to help homebuyers and refinancers navigate the mortgage process.
Union Home Mortgage is a full-service mortgage lender with a Fredericksburg branch offering conventional loans, FHA loans, VA loans, jumbo loans, and refinancing options. Their experienced local team works directly with borrowers to provide personalized lending solutions and competitive rates for home purchases and refinances. They specialize in serving first-time homebuyers, military veterans, and homeowners looking to refinance their existing mortgages.
Dena Cooke is a mortgage loan officer at New American Funding in Fredericksburg, VA, specializing in helping homebuyers secure financing for their purchases. With expertise in various loan programs including FHA, VA, and conventional options, Dena works with first-time buyers and experienced homeowners to find the right mortgage solution. Her personalized approach and local market knowledge make her a trusted resource for navigating the lending process.
Atlantic Coast Mortgage is a local mortgage lender serving the Fredericksburg, VA area with comprehensive home financing solutions. The team specializes in helping borrowers navigate purchase mortgages, refinancing, and various loan programs including FHA, VA, and jumbo loans. They're known for personalized service, competitive rates, and a streamlined application process that gets clients pre-approved quickly.
Priority Financial LLC is an independent financial advisory firm based in Stafford, VA, offering comprehensive financial planning and investment management services. Founded by experienced advisors, they specialize in helping clients build and preserve wealth through personalized financial strategies, retirement planning, and investment portfolio management. Their commitment to fiduciary service means they prioritize client interests above all else.
Monument Home Loans is a trusted local mortgage lender in Arlington, VA offering comprehensive home financing solutions including conventional loans, FHA loans, VA loans, construction loans, and refinancing options. Their experienced loan officers specialize in helping first-time homebuyers, veterans, and homeowners refinance, with a quick application process completed in under 10 minutes and personalized guidance throughout the lending process.
Brandon Colletti is a mortgage loan officer with Movement Mortgage, offering comprehensive home financing solutions including conventional loans, FHA loans, VA loans, and refinancing options. Based in Fredericksburg, VA, Brandon works with first-time homebuyers and experienced investors alike, leveraging Movement Mortgage's technology-driven platform and competitive rates to simplify the lending process.
Peace Home Lending is a mortgage lender serving the Northern Virginia area, offering a range of home loan products including conventional, FHA, VA, and jumbo loans. Led by experienced loan officers, they specialize in helping both first-time homebuyers and experienced investors navigate the lending process with personalized service and competitive rates.
Embrace Home Loans is a mortgage lender serving the Fredericksburg area with a full range of home financing solutions including conventional loans, FHA loans, VA loans, jumbo loans, and refinancing options. The team specializes in personalized service and fast pre-approval processes, helping borrowers of all experience levels navigate the mortgage process with clarity and support.
Kim Thagholm is a mortgage loan officer with ALCOVA Mortgage, specializing in helping Fredericksburg-area borrowers secure financing for home purchases and refinancing. With access to multiple lending products and a commitment to personalized service, Kim works with first-time buyers, experienced homeowners, and those looking to refinance existing mortgages. ALCOVA Mortgage is a direct mortgage lender offering competitive rates and flexible loan programs.
Bluestone Home Loans is a mortgage lender based in Reston, VA, offering personalized home financing solutions to borrowers throughout the region. The company specializes in helping clients navigate the mortgage process with expertise and competitive rates. They work with borrowers at every stage, from first-time homebuyers to those refinancing existing mortgages.
Philip King is a mortgage loan officer with Ameris Bank, serving the Fredericksburg, VA area with personalized home financing solutions. He helps borrowers navigate the mortgage process with transparent guidance and competitive rates, offering access to a range of loan products tailored to different financial situations and homeownership goals.
C&F Mortgage Corp is a mortgage lender serving the Fredericksburg area with home financing solutions for various loan types and borrower profiles. Their Fredericksburg branch provides personalized mortgage services to help homebuyers and refinancers navigate the lending process.
Carter Hall is a mortgage loan officer at Union Home Mortgage in Fredericksburg, VA, specializing in helping borrowers secure financing for home purchases and refinancing. With a focus on personalized service, Carter Hall works with clients to find mortgage solutions tailored to their financial situation and goals.
Pete Griffin is a mortgage loan officer with Movement Mortgage, a national lender offering a full range of home financing solutions. Pete serves the Fredericksburg area with personalized mortgage guidance for purchases, refinances, and various loan programs including VA, FHA, and jumbo loans. Movement Mortgage is known for fast pre-approval processes and competitive rates.
Doug Salzman is a mortgage professional serving the Fredericksburg area through CMG Home Loans, offering personalized home financing solutions for first-time buyers and refinancing clients. With extensive experience in mortgage lending, Doug works to streamline the loan process and help clients find rates and terms that fit their financial goals.
Affordable Home Loans is a mortgage lender serving the Fredericksburg area, specializing in helping homebuyers navigate the lending process with personalized service. Based on customer feedback, they're known for their attentive approach to understanding borrowers' financial situations and providing clear guidance through loan options.
The Frye Lending Team, led by mortgage expert Heather Frye, provides personalized mortgage solutions in Fredericksburg and surrounding areas. With a focus on customer service and transparency, they guide clients through the home financing process with expertise in conventional, FHA, and VA loans.
Adam Stempin is a mortgage broker in Fredericksburg, VA specializing in helping homebuyers and refinancers find the right loan products for their financial situation. With a focus on personalized service and transparent communication, Adam works with multiple lenders to offer competitive rates and terms tailored to each client's needs.
Navy Federal Credit Union is a federally chartered credit union serving active duty military, veterans, retirees, and their families. Located in Fredericksburg, VA, they offer comprehensive financial services including savings and checking accounts, loans, mortgages, credit cards, and investment services. As a member-owned institution, Navy Federal is dedicated to providing competitive rates and personalized service to the military community.
Prosperity Home Mortgage, LLC is the top-ranked mortgage broker in Fredericksburg with a Lantern Score of 85.88/100 and 5-star rating across 7,827 reviews. They specialize in purchase mortgages, refinancing, and serve first-time homebuyers, real estate investors, and borrowers needing expedited closings.
Several top-ranked brokers specialize in VA loans: Embrace Home Loans (Lantern Score 85.69), Loansteady (85.69), Nick Bohn at Movement Mortgage (84.63), and The Hine & Taylor Mortgage Team at Fairway Independent (84.63). All have 5-star ratings and extensive experience helping military service members access VA loan programs.
Top-ranked options for first-time homebuyers include Prosperity Home Mortgage, LLC (Lantern Score 85.88), Embrace Home Loans (85.69), and Loansteady (85.69), all offering conventional, FHA, and VA loan programs. Mac Church at Atlantic Coast Mortgage (84.37) and Chad Hallett at Movement Mortgage (84.08) also specialize in first-time buyer guidance with personalized support.
Nick Bohn at Movement Mortgage (Lantern Score 84.63), The Hine & Taylor Mortgage Team (84.63), Union Home Mortgage (82.11), Atlantic Coast Mortgage (80.44), and Philip King at Ameris Bank (74.58) all specialize in jumbo loans for borrowers purchasing higher-value properties in the Fredericksburg area.
None of the 30 mortgage brokers in the Fredericksburg area have weekend hours available. All operate on standard business day schedules, so borrowers should plan to contact them during weekday business hours.
Embrace Home Loans (Lantern Score 85.69), Loansteady (85.69), and Mac Church at Atlantic Coast Mortgage (84.37) all have strong ratings and specialize in helping homeowners refinance existing mortgages. Lisa Nichols at Atlantic Coast Mortgage (83.88) also offers personalized refinancing guidance for current homeowners.