Local Pros · Arlington
Local Mortgage Brokers in Arlington, VA
Locally owned and operated mortgage brokers serving Arlington and the surrounding area. Supporting local businesses means faster response and accountability.
As of May 2026, RatingsNearMe ranks 20 mortgage brokers in Arlington, VA by verified customer ratings and review volume. The highest-rated is Embrace Home Loans - Fairfax, VA with a 5.0-star rating from 633 verified reviews. Also in the top tier: Monument Home Loans and Guild Mortgage - Karl Svendsen. The average rating across all listed mortgage brokers in Arlington is 5 stars from 93 reviews per business on average.
Mortgage brokers in Arlington: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated May 17, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
20
Businesses listed
5★
Avg rating
93
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Embrace Home Loans - Fairfax, VA
10306 Eaton Pl Ste 100, Fairfax, VA 22030, USA
Monument Home Loans
4075 Wilson Blvd Suite 823, Arlington, VA 22203, USA
Guild Mortgage - Karl Svendsen
2300 Wilson Blvd Ste 758, Arlington, VA 22201, USA
Mortgage Brokers Rankings in Arlington, VA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Embrace Home Loans - Fairfax, VA10306 Eaton Pl Ste 100, Fairfax, VA 22030, USA | 5.0★ | 633 |
| #2 | Monument Home Loans4075 Wilson Blvd Suite 823, Arlington, VA 22203, USA | 5.0★ | 137 |
| #3 | Guild Mortgage - Karl Svendsen2300 Wilson Blvd Ste 758, Arlington, VA 22201, USA | 5.0★ | 121 |
| #4 | David Faber at Certainty Home Lending (NMLS #1181692)4501 Fairfax Dr Suite #603, Arlington, VA 22203, USA | 4.9★ | 32 |
| #5 | Ryan Larson at Rate (NMLS #1371688)1300 17th St N Suite 550, Arlington, VA 22209, USA | 4.9★ | 70 |
| #6 | Melissa Cabral | Fairway Independent Mortgage Corporation1100 20th St S, Arlington, VA 22202, USA | 5.0★ | 57 |
| #7 | Nick Genovese4051 Fairfax Dr, Arlington, VA 22203, USA | 5.0★ | 45 |
| #8 | Guild Mortgage - Aaron Bell2300 Wilson Blvd Ste 758, Arlington, VA 22201, USA | 5.0★ | 29 |
| #9 | The Businessman's Mortgage Broker1550 Wilson Blvd, Arlington, VA 22209, USA | 5.0★ | 5 |
| #10 | Embrace Home Loans: Shawn Barsness2110 S Fillmore St, Arlington, VA 22204, USA | 5.0★ | 56 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Arlington
David Faber at Certainty Home Lending (NMLS #1181692)
4501 Fairfax Dr Suite #603, Arlington, VA 22203, USA
Ryan Larson at Rate (NMLS #1371688)
1300 17th St N Suite 550, Arlington, VA 22209, USA
Melissa Cabral | Fairway Independent Mortgage Corporation
1100 20th St S, Arlington, VA 22202, USA
Nick Genovese
4051 Fairfax Dr, Arlington, VA 22203, USA
Guild Mortgage - Aaron Bell
2300 Wilson Blvd Ste 758, Arlington, VA 22201, USA
The Businessman's Mortgage Broker
1550 Wilson Blvd, Arlington, VA 22209, USA
Embrace Home Loans: Shawn Barsness
2110 S Fillmore St, Arlington, VA 22204, USA
Guild Mortgage - Alex Dykes
2300 Wilson Blvd Ste 758, Arlington, VA 22201, USA
Josh Friedson at Rate (NMLS #626892)
1300 17th St N Suite 550, Arlington, VA 22209, USA
Ru Toyama at Rate (NMLS #1528382)
1300 17th St N Suite 550, Arlington, VA 22209, USA
Alan Dillon at Rate (NMLS #83838)
1300 17th St N Suite 550, Arlington, VA 22209, USA
Brian Kempf at Certainty Home Lending (NMLS #483525)
4501 Fairfax Dr Suite #603, Arlington, VA 22203, USA
Jordan Jackson at Rate (NMLS #1991062)
1300 17th St N Suite 305, Arlington, VA 22209, USA
Brandon Frye at Rate (NMLS #519595)
1300 17th St N Suite 550, Arlington, VA 22209, USA
Andrew Siddon at Certainty Home Lending (NMLS #483523)
4501 Fairfax Dr Suite #603, Arlington, VA 22203, USA
The Broker - Mortgage Experts
1407 Stephanie Way Ste D, Chesapeake, VA 23320, USA
Intercoastal Mortgage, LLC - Headquarters
11911 Freedom Dr Suite 500, Reston, VA 20190, USA
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Frequently Asked Questions — Mortgage Brokers in Arlington
What does a mortgage broker do differently than going directly to a bank in Arlington?
A broker shops your loan across multiple lenders — banks, credit unions, and non-bank lenders — to find the best rate and terms for your situation. Going to one bank limits you to their products. Brokers are typically paid 1–2% of the loan amount by the lender (disclosed upfront on your Loan Estimate). For buyers who don't fit a standard profile (self-employed, complex income, non-QM situations), a broker's lender access is particularly valuable.
How do I compare mortgage rates in Arlington?
Get a Loan Estimate (federally required within 3 business days of application) from at least 3 lenders. Compare APR — not just the interest rate — because APR includes fees and gives you a truer cost comparison. Also compare origination fees, points, and closing costs. On a $350,000 loan, even a 0.25% rate difference costs about $17,000 over 30 years.
What credit score do I need to get a mortgage in VA?
Conventional loans (Fannie/Freddie): 620+ minimum, best rates at 740+. FHA loans: 580+ with 3.5% down, or 500–579 with 10% down. VA loans (veterans): no official minimum, typically 620+ in practice. USDA loans (rural areas): typically 640+. Higher scores unlock meaningfully better rates — even a 20-point difference can save thousands annually.
What is the difference between a mortgage broker and a loan officer?
A loan officer works for one lender (bank, credit union, or mortgage company) and can only offer that lender's products. A broker is independent and accesses dozens of lenders. A bank loan officer may have faster approvals and more streamlined processes for straightforward cases. A broker adds more value for complex income situations, credit challenges, or when rate comparison matters most.
How are the mortgage brokers on this page ranked?
Rankings use a transparent algorithm: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Featured Partner listings have paid for enhanced visibility but must still earn their position through real customer reviews — sponsored listings are clearly labeled.
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How Rankings Work on This Page
Every mortgage brokers on RatingsNearMe is scored transparently: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Businesses labeled exclusive or premium are Featured Partners — they have paid for enhanced visibility but must still rank through real customer reviews. We cap sponsored boosts so bad businesses can never buy the top spot.
Editorial notice: Ratings are based on publicly available data from Google Business listings. Consumers should independently verify licensing, insurance, and credentials before hiring any service provider. Last updated: May 17, 2026.
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