Near You · Bethesda
Mortgage Brokers Near You in Bethesda, MD
Find mortgage brokers close to you in Bethesda. All results are sorted by proximity and rated by real local customers.
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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