Low Cost · Bethesda
Cheap Mortgage Brokers in Bethesda, MD — Best Prices
Compare mortgage brokers prices in Bethesda to find the best deal. All businesses are reviewed — cheap doesn't mean low quality.
As of May 2026, RatingsNearMe ranks 11 mortgage brokers in Bethesda, MD by verified customer ratings and review volume. The highest-rated is Presidential Bank Mortgage with a 5.0-star rating from 327 verified reviews. Also in the top tier: Nick Pakulla and ToaffTeam Mortgage Consultant - NMLS ID: 1065782. The average rating across all listed mortgage brokers in Bethesda is 4.9 stars from 89 reviews per business on average.
Mortgage brokers in Bethesda: 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
4.9★
Avg rating
89
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Presidential Bank Mortgage
4600 East-West Hwy #400, Bethesda, MD 20814, USA
Nick Pakulla
7845 Wisconsin Ave, Bethesda, MD 20814, USA
ToaffTeam Mortgage Consultant - NMLS ID: 1065782
7910 Woodmont Ave #1330, Bethesda, MD 20814, USA
Mortgage Brokers Rankings in Bethesda, MD
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Presidential Bank Mortgage4600 East-West Hwy #400, Bethesda, MD 20814, USA | 5.0★ | 327 |
| #2 | Nick Pakulla7845 Wisconsin Ave, Bethesda, MD 20814, USA | 5.0★ | 122 |
| #3 | ToaffTeam Mortgage Consultant - NMLS ID: 10657827910 Woodmont Ave #1330, Bethesda, MD 20814, USA | 5.0★ | 103 |
| #4 | Parker Minturn at MortgageStar, LLC - NMLS ID 12421304550 Montgomery Ave Suite 115N, Bethesda, MD 20814, USA | 5.0★ | 13 |
| #5 | Nicholas Framarini - MortgageStar LLC4550 Montgomery Ave Suite 115N, Bethesda, MD 20814, USA | 5.0★ | 43 |
| #6 | First Heritage Mortgage, LLC - Bethesda6700-A Rockledge Dr Suite 201, Bethesda, MD 20817, USA | 4.7★ | 51 |
| #7 | Benjamin Michaelson - MortgageStar, LLC4550 Montgomery Ave Suite 115, Bethesda, MD 20814, USA | 5.0★ | 30 |
| #8 | American Pacific Mortgage (NMLS #2692962)6550 Rock Spring Dr Suite 475 & 470, Bethesda, MD 20817, USA | 4.9★ | 88 |
| #9 | Craig Kam at NFM Lending8311 Wisconsin Ave B-10, Bethesda, MD 20814, USA | 4.8★ | 84 |
| #10 | O'Connor Mortgage Team2600 Tower Oaks Blvd Suite 100, Rockville, MD 20852, USA | 5.0★ | 87 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Bethesda
Parker Minturn at MortgageStar, LLC - NMLS ID 1242130
4550 Montgomery Ave Suite 115N, Bethesda, MD 20814, USA
Nicholas Framarini - MortgageStar LLC
4550 Montgomery Ave Suite 115N, Bethesda, MD 20814, USA
First Heritage Mortgage, LLC - Bethesda
6700-A Rockledge Dr Suite 201, Bethesda, MD 20817, USA
Benjamin Michaelson - MortgageStar, LLC
4550 Montgomery Ave Suite 115, Bethesda, MD 20814, USA
American Pacific Mortgage (NMLS #2692962)
6550 Rock Spring Dr Suite 475 & 470, Bethesda, MD 20817, USA
Craig Kam at NFM Lending
8311 Wisconsin Ave B-10, Bethesda, MD 20814, USA
O'Connor Mortgage Team
2600 Tower Oaks Blvd Suite 100, Rockville, MD 20852, USA
Rob Mercer | First Home Mortgage
7910 Woodmont Ave #1330, Bethesda, MD 20814, USA
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Frequently Asked Questions — Mortgage Brokers in Bethesda
What does a mortgage broker do differently than going directly to a bank in Bethesda?
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 Bethesda?
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 MD?
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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