Real Reviews · Arlington
Top-Reviewed Mortgage Brokers in Arlington, VA
What are customers actually saying? Read verified reviews for mortgage brokers in Arlington — every rating is from a real customer.
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 Intercoastal Mortgage, LLC - Headquarters. 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
Intercoastal Mortgage, LLC - Headquarters
11911 Freedom Dr Suite 500, Reston, VA 20190, 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 | Intercoastal Mortgage, LLC - Headquarters11911 Freedom Dr Suite 500, Reston, VA 20190, USA | 4.5★ | 177 |
| #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 | Guild Mortgage - Karl Svendsen2300 Wilson Blvd Ste 758, Arlington, VA 22201, USA | 5.0★ | 121 |
| #7 | Melissa Cabral | Fairway Independent Mortgage Corporation1100 20th St S, Arlington, VA 22202, USA | 5.0★ | 57 |
| #8 | Nick Genovese4051 Fairfax Dr, Arlington, VA 22203, USA | 5.0★ | 45 |
| #9 | Guild Mortgage - Aaron Bell2300 Wilson Blvd Ste 758, Arlington, VA 22201, USA | 5.0★ | 29 |
| #10 | The Businessman's Mortgage Broker1550 Wilson Blvd, Arlington, VA 22209, USA | 5.0★ | 5 |
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
Guild Mortgage - Karl Svendsen
2300 Wilson Blvd Ste 758, Arlington, VA 22201, 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
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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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