Pricing Guide · Charlottesville
Mortgage Brokers Cost in Charlottesville, VA — 2026 Price Guide
What should you pay for mortgage brokers in Charlottesville? See real 2026 price ranges from local pros and get free quotes to compare.
As of July 2026, RatingsNearMe ranks 20 mortgage brokers in Charlottesville, VA by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Andy Zemon Team at Novus Home Mortgage with a 5.0-star rating from 283 Google reviews and an RNM Score of 88/100. Also in the top tier: Jenna Stiltner - Atlantic Coast Mortgage and NFM Lending - Charlottesville, VA - Branch 331. The average rating across all listed mortgage brokers in Charlottesville is 5 stars from 57 reviews per business on average.
Mortgage brokers in Charlottesville: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated July 4, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
Andy Zemon Team at Novus Home Mortgage
They are consistently ranked as the top mortgage broker in Charlottesville, known for exceptional customer service and deep local expertise.
Most Reviewed
Andy Zemon Team at Novus Home Mortgage
A high number of reviews indicates proven trust and satisfaction from many past clients, reducing your risk when choosing a broker.
When choosing a mortgage broker in Charlottesville, compare loan options and fees from multiple top-ranked teams, and prioritize clear communication and local market knowledge. Even highly rated brokers may specialize in different loan types, so ask about their experience with your specific situation.
Local Market Snapshot
20
Businesses listed
5★
Avg rating
57
Avg reviews
Jul 4, 2026
Last updated
Top Rated Mortgage Brokers
Consistently rated 5.0 stars across hundreds of Google reviews in Charlottesville.
5405 Ashlar Ave Unit 101, Crozet, VA 22932, USA5.0 stars from 271 reviews, making them a top-rated Charlottesville mortgage broker.
1415 Rolkin Ct Suite 302, Charlottesville, VA 22911, USACharlottesville mortgage broker with 4.9 stars from 82 glowing Google reviews.
129 Byrd St, Orange, VA 22960, USAMortgage Brokers Rankings in Charlottesville, VA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Andy Zemon Team at Novus Home Mortgage5405 Ashlar Ave Unit 101, Crozet, VA 22932, USA | 5.0★ | 283 |
| #2 | Jenna Stiltner - Atlantic Coast Mortgage1415 Rolkin Ct Suite 302, Charlottesville, VA 22911, USA | 5.0★ | 271 |
| #3 | NFM Lending - Charlottesville, VA - Branch 331129 Byrd St, Orange, VA 22960, USA | 4.9★ | 82 |
| #4 | First Heritage Mortgage, LLC - Charlottesville Downtown554 E Water St, Charlottesville, VA 22902, USA | 5.0★ | 9 |
| #5 | Crown Mortgage2019 Woodbrook Ct Suite 5, Charlottesville, VA 22901, USA | 4.9★ | 47 |
| #6 | Atlantic Coast Mortgage - Charlottesville1415 Rolkin Ct Suite 302, Charlottesville, VA 22911, USA | 4.9★ | 73 |
| #7 | First Heritage Mortgage, LLC - Charlottesville Pantops404 People Pl STE 303, Charlottesville, VA 22911, USA | 4.8★ | 24 |
| #8 | Moe Barros-MBS Mortgage1 Boars Head Pointe #120, Charlottesville, VA 22903, USA | 5.0★ | 17 |
| #9 | Tammy Wilt, Gray Fox Mortgage LLC1135 Rose Hill Dr Unit 101, Charlottesville, VA 22903, USA | 5.0★ | 34 |
| #10 | Todd Jenkins - Gray Fox Mortgage, LLC1135 Rose Hill Dr, Charlottesville, VA 22903, USA | 5.0★ | 48 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Charlottesville
5.0 stars from 9 reviews, reflecting exceptional client satisfaction in Charlottesville.
554 E Water St, Charlottesville, VA 22902, USA
Trusted by 47 clients with a stellar 4.9-star rating.
2019 Woodbrook Ct Suite 5, Charlottesville, VA 22901, USA
Rated 4.9 stars from 73 Google reviews, this Charlottesville mortgage broker is highly trusted.
1415 Rolkin Ct Suite 302, Charlottesville, VA 22911, USA
Trusted by clients with a 4.8-star rating from dozens of reviews.
404 People Pl STE 303, Charlottesville, VA 22911, USA
Exceptional 5.0-star rating from 17 reviews for a Charlottesville mortgage broker.
1 Boars Head Pointe #120, Charlottesville, VA 22903, USA
Exceptional 5.0-star rating from over 30 Google reviews for Charlottesville mortgage services.
1135 Rose Hill Dr Unit 101, Charlottesville, VA 22903, USA
Consistently rated 5.0 stars from nearly 50 reviews for Charlottesville mortgage services.
1135 Rose Hill Dr, Charlottesville, VA 22903, USA
Rated 4.8 stars from 44 reviews for exceptional mortgage service in Charlottesville.
1939 Commonwealth Dr, Charlottesville, VA 22901, USA
Rated 5.0 stars from 36 reviews, this Charlottesville mortgage broker is highly trusted.
404 People Pl STE 303, Charlottesville, VA 22911, USA
68 five-star Google reviews make this Charlottesville mortgage broker a trusted local choice.
350 Old Ivy Way SUITE 200, Charlottesville, VA 22903, USA
5.0 stars from 33 Google reviews—a trusted Charlottesville mortgage broker.
1100 Dryden Ln, Charlottesville, VA 22903, USA
Exceptional 5.0-star rating from 19 reviews for Charlottesville mortgage services.
685 Berkmar Ct, Charlottesville, VA 22901, USA
Rated 5.0 stars from 14 Google reviews for exceptional mortgage services in Charlottesville.
3920 Lenox Ave, Charlottesville, VA 22901, USA
Exceptional 5.0-star rating from eight reviews for a Charlottesville mortgage broker.
900 Gardens Blvd #100, Charlottesville, VA 22901, USA
Holds a perfect 5.0-star rating from a small number of local reviews.
1939 Commonwealth Dr, Charlottesville, VA 22901, USA
Exceptional 5.0-star rating from a handful of Google reviews.
910 Marshall St, Charlottesville, VA 22901, USA
Exceptional 5.0-star rating from over 20 Google reviews in Charlottesville.
700 Harris St Suite 204, Charlottesville, VA 22903, USA
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Mortgage Brokers in Charlottesville, VA — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Andy Zemon Team at Novus Home Mortgage | 88/100 | 5.0 ★ | 283 |
| 2 | Jenna Stiltner - Atlantic Coast Mortgage | 88/100 | 5.0 ★ | 271 |
| 3 | NFM Lending - Charlottesville, VA - Branch 331 | 81/100 | 4.9 ★ | 82 |
| 4 | First Heritage Mortgage, LLC - Charlottesville Downtown | 71/100 | 5.0 ★ | 9 |
| 5 | Crown Mortgage | 78/100 | 4.9 ★ | 47 |
| 6 | Atlantic Coast Mortgage - Charlottesville | 80/100 | 4.9 ★ | 73 |
| 7 | First Heritage Mortgage, LLC - Charlottesville Pantops | 72/100 | 4.8 ★ | 24 |
| 8 | Moe Barros-MBS Mortgage | 74/100 | 5.0 ★ | 17 |
| 9 | Tammy Wilt, Gray Fox Mortgage LLC | 78/100 | 5.0 ★ | 34 |
| 10 | Todd Jenkins - Gray Fox Mortgage, LLC | 79/100 | 5.0 ★ | 48 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · July 2026
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Frequently Asked Questions — Mortgage Brokers in Charlottesville
What does a mortgage broker do differently than going directly to a bank in Charlottesville?
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 Charlottesville?
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: July 4, 2026.
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