Areas served: Richmond, VA and surrounding areas including Henrico County, Chesterfield County, and Hanover County
Richmond's mortgage landscape reflects its position as Virginia's capital and a diverse metropolitan area spanning multiple counties. Local mortgage brokers serve borrowers across varying property types from Fan District rowhouses to suburban Henrico new construction, requiring expertise in conventional, FHA, VA, and jumbo products. The market includes both independent brokerages with deep local lender relationships and regional firms serving the Greater Richmond area.
The Cowart Team, backed by NFM Lending, is a local mortgage firm in Richmond with over 20 years of experience helping more than 5,000 families across Central Virginia. They offer personalized home loan guidance for first-time buyers, refinancing, and various loan programs, treating every client with a high-touch, people-first approach. The team is known for expert navigation through complex situations, fast closings, and availability throughout the process.
Blake Bogese is a mortgage loan officer serving the Richmond, Virginia area through OVM Financial. With expertise in residential mortgage lending, Blake helps clients navigate the home financing process and find loan solutions tailored to their needs. As an NMLS-licensed professional, Blake combines personalized service with access to competitive mortgage products to help borrowers achieve their homeownership goals.
Capitol Mortgage Group is an independent mortgage broker in Midlothian, VA specializing in financing for self-employed borrowers, real estate investors, and first-time homebuyers. They offer self-employed home loans, investment property DSCR loans, home equity lines and loans, fix & flip financing, and traditional purchase and refinance mortgages. With access to hundreds of lenders nationwide and a focus on streamlined underwriting, they provide personalized service with fast closings and educational resources to guide clients through the mortgage process.
Ben Burkett is an experienced Originating Branch Manager at CrossCountry Mortgage in Richmond, VA, specializing in both purchase mortgages and refinancing. As a dedicated local loan officer (NMLS #269591), Ben and his team guide clients through the entire mortgage process with transparent communication and personalized service. The Burkett Team offers access to diverse loan products including conventional, FHA, VA, and USDA loans, plus exclusive programs, ensuring clients find the right financing solution for their homeownership or refinancing goals.
River City Lending Team, powered by Atlantic Bay Mortgage Group, offers comprehensive mortgage solutions for homebuyers in the greater Richmond area. Led by ReMi Doyle and Emily Sedlar with over 30 years of combined experience, they specialize in conventional, FHA, VA, USDA, jumbo, first-time buyer, DSCR, and HELOC loans. The team prioritizes personalized guidance, fast responsiveness, and stress-free financing to help families achieve homeownership and build long-term wealth.
Jesse Perrone is a mortgage loan officer with NFM Lending, a national mortgage lender serving the Richmond, VA area. NFM Lending offers a full range of mortgage products including conventional loans, FHA loans, VA loans, jumbo loans, and refinancing options. Jesse specializes in helping borrowers navigate the mortgage process with personalized service and access to multiple loan programs.
Briana Sparrow is a mortgage lender based in Richmond, VA, serving homebuyers across Virginia and North Carolina since 2018. She specializes in personalized mortgage solutions for first-time buyers, refinancing, and investment properties, offering upfront underwriting to ensure transparency throughout the process. Her team—including a processor, underwriter, and closer—works collaboratively with realtors and buyers to secure competitive offers and handle loans with care from application through closing, with availability nights and weekends.
The Rudd Mortgage Team, led by Rob Rudd, provides comprehensive mortgage services to homebuyers and refinancers in the Richmond area. They offer financing solutions tailored to different borrower needs, including conventional loans, FHA loans, VA loans, and jumbo mortgages. The team focuses on personalized service and helping clients navigate the mortgage process with clarity and expertise.
Jay Bowry is a mortgage loan officer with Movement Mortgage in Richmond, VA, helping homebuyers find the right loan products for their unique situations. With expertise in mortgage financing and a commitment to customer service, Jay guides clients through the application process, from pre-approval to closing. Movement Mortgage is an Impact Lender that returns nearly 50% of profits to community initiatives, making it a socially conscious choice for home financing.
C&F Mortgage Corp is a mortgage lender serving the Richmond, Virginia area with a corporate office in Midlothian. Their team of loan officers specializes in guiding borrowers through the mortgage process with industry expertise. They provide personalized service to help clients navigate financing options for their home purchase or refinancing needs.
Open Door Lending is a Virginia mortgage broker led by Senior Loan Officer Kristin O'Neil, specializing in home purchase loans, refinancing, cash-out refinances, and rate comparisons. The team offers fast funding, property evaluations, pre-approval letters, and personalized rate quotes through free online tools, with a commitment to streamlined application processes and responsive customer service. They focus on making mortgage shopping easy by helping clients compare rates and find the best terms for their financial situation.
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.
Southern Trust Mortgage's Glen Allen branch serves homebuyers and refinancing clients throughout the Richmond metro area and surrounding Virginia counties. Led by experienced loan officers including Ben Covert, Brandon Reilly, and Robert Magruder, the branch offers conventional 30-year fixed mortgages, jumbo loans, VA loans, FHA loans, and portfolio programs tailored to each borrower's unique situation. Their product range includes specialized options like Jumbo 5/5 ARM with no MI, making them equipped to handle first-time buyers, military borrowers, and luxury home financing.
804Mortgage is Richmond's only integrated mortgage and real estate team, combining lending and home buying/selling services under one roof. Led by William Schroeder's team, they offer competitive mortgage rates with fast pre-approvals, full-service real estate sales at 1.5% listing fees, and their signature Bundle & Save program that returns half the buyer-agent commission to purchasers. Their unified approach eliminates the typical friction between separate lenders and agents, streamlining the process and delivering significant savings.
Courtney Efird is a mortgage banker with 16 years of industry experience at Ameris Bank, serving the Richmond and Newport News areas since 2008. She specializes in first-time homebuyer programs, construction financing, renovation loans, VA loans, and construction-to-permanent mortgages, offering customized lending strategies tailored to each client's goals. Recognized as a top performer (ranked #4 company-wide in 2025) and a consistent President's Club honoree, Courtney is known for building long-term relationships and guiding clients through every stage of homeownership.
Lindsay Simmons Beale is a Senior VP of Lending and mortgage loan officer at CrossCountry Mortgage serving the Reston, VA area and surrounding regions. She specializes in first-time homebuyer programs, conventional and FHA loans, VA loans for active-duty military and veterans, jumbo loans, home equity lines of credit, non-QM loans, and refinancing options. Lindsay provides personalized guidance through the entire mortgage process, from pre-approval through closing, with access to multiple loan programs and competitive rates backed by CrossCountry Mortgage's retail lending platform.
First Heritage Mortgage is a Richmond-based mortgage lender specializing in conventional, FHA, VA, and USDA home loans, as well as construction, renovation, and refinancing solutions. The team of experienced loan officers offers personalized service and transparent guidance to homebuyers at all stages, from first-time buyers to those with complex financing needs. They provide diverse mortgage products including fixed and adjustable-rate options, down payment assistance programs, and specialty financing like bridge loans and portfolio programs.
Olivia Smith is a mortgage loan officer with Movement Mortgage in Richmond, VA, specializing in helping borrowers find the right loan type for their unique situation. She offers mortgage pre-approval, loan origination, and servicing support, with a commitment to accessibility and personalized service. Licensed in Virginia and South Carolina, Olivia works with Movement Mortgage, an Impact Lender that returns nearly 50% of profits to community development.
MAK Financial Group is a boutique mortgage lender serving all of Virginia from their Richmond headquarters since 1997. They partner with multiple mortgage institutions to offer a complete suite of residential mortgage loans, including conventional, jumbo, and specialty financing options. Their team of expert mortgage advisors handles the entire mortgage transaction—from pre-qualification and rate negotiation to closing—and are known for identifying creative solutions for complex situations and helping clients secure the best possible rates and terms.
ALCOVA Mortgage is an independent mortgage lender serving the Richmond area and beyond, offering comprehensive home financing solutions including conventional loans, FHA loans, VA loans, and refinancing options. With a team of experienced loan officers and mortgage professionals, they specialize in helping first-time homebuyers, experienced homeowners, and military veterans navigate the lending process with personalized service and competitive rates.
Arbor Home Loans is a mortgage lender serving the Richmond, VA area with a dedicated team of licensed loan originators and professionals. Led by Senior Vice President Michael Finn, the branch offers personalized mortgage financing services guided by experienced loan officers including Andrew Mahoney, Evan Rutherford, and Justin Friedrichs. They help homebuyers navigate the loan application process and secure financing for their dream homes.
Liberty Mortgage Corporation is Richmond's leading mortgage broker specializing in home purchase loans, refinancing, and home equity solutions across Richmond, Virginia Beach, and Northern Virginia. Led by experienced loan officers like Michael Casasnovas and Carolyn, they shop multiple lenders to secure the lowest rates and costs for clients. They specialize in VA loans, non-traditional financing, and provide personalized guidance throughout the entire mortgage process, from pre-approval to closing.
The Maverick Mortgage Group, powered by Nexa Mortgage, is a mortgage brokerage serving the Richmond, VA area and beyond. They offer comprehensive home loan solutions including conventional mortgages, FHA loans, VA loans, and refinancing options. As a broker partner with Nexa Mortgage, they provide access to multiple lending sources to help borrowers find competitive rates and terms tailored to their financial situation.
Stearns Home Loans is a mortgage lender serving the Richmond, VA area, offering financing solutions for home purchases and refinancing needs. With a focus on personalized service and competitive rates, they work with borrowers to find loan programs that match their financial situation and goals.
United Mortgage Advisors, led by NMLS-licensed mortgage broker Izzy Khalil, specializes in home purchase loans, refinancing, and cash-out refinances for Richmond-area homebuyers and homeowners. The team offers fast pre-approval letters, personalized rate quotes, property evaluations, and rate comparison tools to help clients find the best mortgage terms. Known for quick turnaround times—often closing loans in less than 30 days—they streamline the entire application and approval process online.
Dominion Capital Mortgage is a local Richmond-based mortgage lender specializing in purchase loans, refinancing, and investment property financing. The team works with first-time homebuyers, experienced investors, and borrowers seeking refinance options across conventional, FHA, VA, and jumbo loan products. They offer personalized guidance through fixed-rate and adjustable-rate mortgage options.
PrimeLending, A PlainsCapital Company, is a mortgage lender serving the Richmond area with a range of home financing options including conventional loans, FHA loans, VA loans, jumbo loans, and refinancing. The Glen Allen branch provides personalized mortgage services to help borrowers navigate the lending process, whether they're first-time buyers or experienced homeowners looking to refinance. As part of the PlainsCapital network, they offer access to multiple loan products and competitive rates backed by a established financial institution.
Beth Jourdan is a mortgage loan officer with Guild Mortgage, a national lender serving homebuyers and homeowners since 1960. She offers comprehensive mortgage services including conventional, FHA, VA, jumbo, and USDA loans, as well as renovation financing and down payment assistance programs. With local expertise backed by a top national lender, Beth helps first-time buyers, refinancers, and existing homeowners navigate the lending process from application through closing.
Octavio Wilson is a loan originator serving the Richmond, VA area through NFM Lending, a national mortgage lender. He specializes in helping homebuyers secure financing for their purchases and assists homeowners with refinancing options. With a focus on personalized service and competitive loan solutions, Octavio works with clients to find mortgage products that fit their financial needs.
American Pacific Mortgage is a mortgage lender serving the Reston, VA area and multiple states across the U.S. They offer purchase loans, refinancing options (including debt consolidation, rate reduction, cash-out, and term shortening), and serve first-time homebuyers, investors, and dream home builders. With NMLS licensing and a secure online application platform, they guide borrowers from application through closing with personalized loan advisor support.
Jay Lewis is a loan officer with TowneBank Mortgage, a regional lender serving Virginia and neighboring states. As part of TowneBank's mortgage division, Jay helps borrowers navigate home financing options including conventional loans, FHA loans, VA loans, and refinancing. TowneBank Mortgage combines local expertise with a community-focused approach, offering personalized service for homebuyers at all stages.
Michael Repshas is a loan officer with Guild Mortgage, a top national lender serving the Richmond, VA area since 1960. He offers comprehensive mortgage services including conventional loans, FHA loans, VA loans, jumbo loans, USDA loans, renovation financing, and down payment assistance programs. Michael takes a personalized approach to understand each client's financial situation and goals, guiding them through the entire home financing process from application to closing.
Embrace Home Loans is a mortgage lender offering a wide range of home financing solutions including conventional loans, FHA loans, VA loans, USDA loans, and cash-out refinancing. With multiple branches across the Northeast, Mid-Atlantic, and Southeast regions, they serve first-time homebuyers, experienced homebuyers, and investors. Their team of licensed loan officers provides personalized guidance and access to various loan programs to help borrowers find the right mortgage solution.
Prospera Home Loans is a direct lender and Fannie Mae-approved mortgage company serving 40+ states with over 20 years of experience. They specialize in tailored financing solutions for first-time homebuyers, refinancing, home renovations, and trading up, with expert loan officers guiding clients from pre-qualification through closing. Their commitment to personalized service and result-based lending ensures each client receives mortgage programs specifically designed to fit their unique financial situation and goals.
Mark Horton Home Loans, powered by Acre Mortgage, is a mortgage lending service in Richmond, VA offering financing solutions for home purchases and refinancing. Mark Horton provides personalized loan origination services, helping borrowers navigate the mortgage process with expertise and local market knowledge. They work with borrowers at all stages—from first-time homebuyers to experienced investors—delivering competitive rates and flexible loan options.
Aubriel Rivera is a home loan specialist serving the Richmond, VA area, offering personalized mortgage financing solutions to help clients achieve homeownership. With a focus on individual attention and expert guidance, Rivera works with borrowers to find loan products that fit their specific financial situation and goals.
Alterra Home Loans is a mortgage lender licensed in over 40 states that specializes in making homeownership accessible through personalized loan solutions. They offer first-time homebuyer programs, ITIN loans for self-employed borrowers, and a mobile app called Pronto+ that allows customers to manage their entire loan process from their phone. With loan officers available nationwide and a focus on education through their Learning Center, Alterra helps borrowers understand their options and build wealth through homeownership.
NFM Lending is a mortgage lender serving the Richmond, Virginia area with a range of home financing solutions. As a branch of the broader NFM Lending network, they offer conventional loans, FHA loans, VA loans, and refinancing options to help borrowers purchase or refinance their homes. Their team works to provide personalized loan guidance and competitive rates for borrowers at various stages of homeownership.
Peoples Home Equity is a mortgage lender serving the Woodbridge, VA area, offering home equity loans and mortgage services to help homeowners access financing options. With a local presence in Northern Virginia, they work directly with borrowers to provide personalized lending solutions.
First Home Mortgage is a licensed mortgage lender operating across the East Coast with offices in multiple states including Virginia, Maryland, Massachusetts, and others. They offer purchase loans, refinancing, and construction/203k renovation loans to help borrowers achieve their homeownership goals. The company provides access to a large team of NMLS-licensed loan officers and an online borrower portal for pre-qualification, document management, and eSignature services.
Viva Home Loans is a mortgage lender serving the Richmond, VA area and surrounding regions. They work with borrowers to provide financing solutions for home purchases and refinancing needs. Contact them at (703) 964-5470 for information about their loan programs and qualification requirements.
Atlantic Bay Mortgage Group is a mortgage lender with over 30 years of experience offering home loans, refinancing, and mortgage expertise across Virginia and beyond. The company serves first-time homebuyers, refinancing customers, and homebuilders through personalized mortgage solutions backed by expert guidance. Atlantic Bay stands out for its SmartPath™ to Homeownership program designed to guide borrowers through the process with confidence, and its culturally conscious approach through Tu Hogar, Tu Futuro for Hispanic and Latino families.
Homeside is a mortgage solutions provider serving the Richmond, Virginia area. Based on their Virginia Mortgage Solutions branding, they offer mortgage lending services to help borrowers navigate financing options. Limited information is currently available about their specific programs and services.
The Cowart Team of NFM Lending is the top-ranked mortgage broker in Richmond with a Lantern Score of 85.50/100 and a 5-star rating from 322 reviews. With over 20 years of experience helping more than 5,000 families across Central Virginia, they specialize in first-time homebuyers, refinancing, and clients with tight timelines.
Based on current listings, no mortgage brokers in the Richmond area indicate weekend availability. To discuss weekend or after-hours options, contact brokers directly—many may offer flexible scheduling or virtual consultations by appointment.
Look for brokers with strong ratings and experience serving your specific needs, whether that's first-time homebuyer programs, VA loans, FHA financing, or refinancing. Many top-ranked Richmond brokers like Blake Bogese (Lantern Score 84.80), Capitol Mortgage Group (84.52), and The Burkett Team (84.46) offer personalized guidance and specialize in different borrower profiles.
Several top-ranked brokers specialize in VA loans, including The Burkett Team of Cross Country Mortgage, River City Lending Team, Jesse Perrone at NFM Lending, The Rudd Mortgage Team, Southern Trust Mortgage, and ALCOVA Mortgage. All maintain 5-star ratings and have extensive experience with military borrowers and veterans.
Yes, 804Mortgage (William Schroeder's team) is Richmond's only integrated mortgage and real estate team, combining lending and home buying/selling services under one roof. With a Lantern Score of 82.90, they're designed for buyers and sellers who value a single coordinated team.
Capitol Mortgage Group (Lantern Score 84.52) specializes in financing for self-employed borrowers, real estate investors, and first-time homebuyers, with particular expertise in conventional, FHA, VA, and USDA loans. They also serve clients seeking renovation and refinancing solutions.
Briana Sparrow (Lantern Score 83.82, 5-star rating) specializes in personalized mortgage solutions for borrowers with lower credit scores or limited credit history, along with first-time buyers and real estate investors. She's served homebuyers across Virginia and North Carolina since 2018.
Pricing information is not listed in mortgage broker directories, as costs vary based on loan type, amount, and individual circumstances. Contact brokers directly for quotes and fee structures—most offer free pre-approval consultations.