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 May 2026, RatingsNearMe ranks 20 mortgage brokers in Charlottesville, VA by verified customer ratings and review volume. The highest-rated is Andy Zemon Team at Novus Home Mortgage with a 5.0-star rating from 283 verified reviews. 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 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
57
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Andy Zemon Team at Novus Home Mortgage
5405 Ashlar Ave Unit 101, Crozet, VA 22932, USA
Jenna Stiltner - Atlantic Coast Mortgage
1415 Rolkin Ct Suite 302, Charlottesville, VA 22911, USA
NFM Lending - Charlottesville, VA - Branch 331
129 Byrd St, Orange, VA 22960, USA
Mortgage 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 | Crown Mortgage2019 Woodbrook Ct Suite 5, Charlottesville, VA 22901, USA | 4.9★ | 47 |
| #5 | Atlantic Coast Mortgage - Charlottesville1415 Rolkin Ct Suite 302, Charlottesville, VA 22911, USA | 4.9★ | 73 |
| #6 | Moe Barros-MBS Mortgage1 Boars Head Pointe #120, Charlottesville, VA 22903, USA | 5.0★ | 17 |
| #7 | First Heritage Mortgage, LLC - Charlottesville Pantops404 People Pl STE 303, Charlottesville, VA 22911, USA | 4.8★ | 24 |
| #8 | Tammy Wilt, Gray Fox Mortgage LLC1135 Rose Hill Dr Unit 101, Charlottesville, VA 22903, USA | 5.0★ | 34 |
| #9 | Ben Aliff at First Heritage Mortgage404 People Pl STE 303, Charlottesville, VA 22911, USA | 5.0★ | 36 |
| #10 | Guild Mortgage - Katie Shiers1939 Commonwealth Dr, Charlottesville, VA 22901, USA | 4.8★ | 44 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Charlottesville
Crown Mortgage
2019 Woodbrook Ct Suite 5, Charlottesville, VA 22901, USA
Atlantic Coast Mortgage - Charlottesville
1415 Rolkin Ct Suite 302, Charlottesville, VA 22911, USA
Moe Barros-MBS Mortgage
1 Boars Head Pointe #120, Charlottesville, VA 22903, USA
First Heritage Mortgage, LLC - Charlottesville Pantops
404 People Pl STE 303, Charlottesville, VA 22911, USA
Tammy Wilt, Gray Fox Mortgage LLC
1135 Rose Hill Dr Unit 101, Charlottesville, VA 22903, USA
Ben Aliff at First Heritage Mortgage
404 People Pl STE 303, Charlottesville, VA 22911, USA
Guild Mortgage - Katie Shiers
1939 Commonwealth Dr, Charlottesville, VA 22901, USA
Ryan Schuett at Prosperity Home Mortgage - Charlottesville
350 Old Ivy Way SUITE 200, Charlottesville, VA 22903, USA
C&F Mortgage Corp
3920 Lenox Ave, Charlottesville, VA 22901, USA
Mahone Mortgage
685 Berkmar Ct, Charlottesville, VA 22901, USA
Todd Jenkins - Gray Fox Mortgage, LLC
1135 Rose Hill Dr, Charlottesville, VA 22903, USA
Guild Mortgage Company
1939 Commonwealth Dr, Charlottesville, VA 22901, USA
Motto Mortgage Premier Services
900 Gardens Blvd #100, Charlottesville, VA 22901, USA
First Heritage Mortgage, LLC - Charlottesville Downtown
554 E Water St, Charlottesville, VA 22902, USA
Carleton Garrett
700 Harris St Suite 204, Charlottesville, VA 22903, USA
Jay Domenic Loan Officer with Towne Mortgage
1100 Dryden Ln, Charlottesville, VA 22903, USA
Larry Saunders at NEXA Mortgage, LLC
910 Marshall St, Charlottesville, VA 22901, USA
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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: May 17, 2026.
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