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Mortgage Brokers in Atlantic City, NJ — Free Estimates
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As of May 2026, RatingsNearMe ranks 11 mortgage brokers in Atlantic City, NJ by verified customer ratings and review volume. The highest-rated is Atlantic Coast Mortgage with a 4.9-star rating from 477 verified reviews. Also in the top tier: Tidewater Mortgage Services, Inc. and Mid-Atlantic Mortgage Girl - Jenel Poole Davis. The average rating across all listed mortgage brokers in Atlantic City is 5 stars from 125 reviews per business on average.
Mortgage brokers in Atlantic City: 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
11
Businesses listed
5★
Avg rating
125
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Atlantic Coast Mortgage
4097 Monument Corner Dr 6th floor, Fairfax, VA 22030, USA
Tidewater Mortgage Services, Inc.
30 Freneau Ave #2c, Matawan, NJ 07747, USA
Mid-Atlantic Mortgage Girl - Jenel Poole Davis
14 Billy Goss Loop, North East, MD 21901, USA
Mortgage Brokers Rankings in Atlantic City, NJ
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Atlantic Coast Mortgage4097 Monument Corner Dr 6th floor, Fairfax, VA 22030, USA | 4.9★ | 477 |
| #2 | Tidewater Mortgage Services, Inc.30 Freneau Ave #2c, Matawan, NJ 07747, USA | 5.0★ | 152 |
| #3 | Mid-Atlantic Mortgage Girl - Jenel Poole Davis14 Billy Goss Loop, North East, MD 21901, USA | 5.0★ | 147 |
| #4 | Rate211 31st St S Suite 1, Brigantine, NJ 08203, USA | — | — |
| #5 | Atlantic Financial Services1295 Roosevelt Ave, Carteret, NJ 07008, USA | 5.0★ | 58 |
| #6 | Atlantis Mortgage Co Inc55 Oceanport Ave, West Long Branch, NJ 07764, USA | 4.9★ | 69 |
| #7 | Union Home Mortgage2111 New Rd Suite 106, Northfield, NJ 08225, USA | 4.8★ | 73 |
| #8 | Unity Residential and commercial Mortgage, INC1806 NJ-35 Ste. #303, Oakhurst, NJ 07755, USA | 5.0★ | 115 |
| #9 | American Home Lending201 W Decatur Ave, Pleasantville, NJ 08232, USA | 5.0★ | 1 |
| #10 | Jamie Silva, M.S. at Rate (NMLS #2368437)211 31st St S Suite 1, Brigantine, NJ 08203, USA | 5.0★ | 34 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Atlantic City
Rate
211 31st St S Suite 1, Brigantine, NJ 08203, USA
Atlantic Financial Services
1295 Roosevelt Ave, Carteret, NJ 07008, USA
Atlantis Mortgage Co Inc
55 Oceanport Ave, West Long Branch, NJ 07764, USA
Union Home Mortgage
2111 New Rd Suite 106, Northfield, NJ 08225, USA
Unity Residential and commercial Mortgage, INC
1806 NJ-35 Ste. #303, Oakhurst, NJ 07755, USA
American Home Lending
201 W Decatur Ave, Pleasantville, NJ 08232, USA
Jamie Silva, M.S. at Rate (NMLS #2368437)
211 31st St S Suite 1, Brigantine, NJ 08203, USA
Advisors Mortgage Group - West Atlantic City, NJ
8025 Black Horse Pike, Pleasantville, NJ 08232, USA
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Frequently Asked Questions — Mortgage Brokers in Atlantic City
What does a mortgage broker do differently than going directly to a bank in Atlantic City?
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 Atlantic City?
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 NJ?
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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