4.5+ Stars · Chesapeake
Highly Rated Mortgage Brokers in Chesapeake, VA
Only the best make this list. These mortgage brokers in Chesapeake have earned 4.5+ star ratings from real customers — consistently.
As of May 2026, RatingsNearMe ranks 13 mortgage brokers in Chesapeake, VA by verified customer ratings and review volume. The highest-rated is Tim Lee Loan Officer with RW Towne Mortgage with a 5.0-star rating from 103 verified reviews. Also in the top tier: Whitney Oertel Senior Mortgage Loan Officer with Towne Mortgage and Tidewater Home Funding. The average rating across all listed mortgage brokers in Chesapeake is 4.9 stars from 42 reviews per business on average.
Mortgage brokers in Chesapeake: 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
13
Businesses listed
4.9★
Avg rating
42
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Tim Lee Loan Officer with RW Towne Mortgage
628 Cedar Rd, Chesapeake, VA 23322, USA
Whitney Oertel Senior Mortgage Loan Officer with Towne Mortgage
128 Battlefield Blvd N, Chesapeake, VA 23320, USA
Tidewater Home Funding
1108 Eden Way N A, Chesapeake, VA 23320, USA
Mortgage Brokers Rankings in Chesapeake, VA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Tim Lee Loan Officer with RW Towne Mortgage628 Cedar Rd, Chesapeake, VA 23322, USA | 5.0★ | 103 |
| #2 | Whitney Oertel Senior Mortgage Loan Officer with Towne Mortgage128 Battlefield Blvd N, Chesapeake, VA 23320, USA | 5.0★ | 96 |
| #3 | Tidewater Home Funding1108 Eden Way N A, Chesapeake, VA 23320, USA | 4.9★ | 89 |
| #4 | Marcie Ellis Richard at CrossCountry Mortgage445 Battlefield Blvd N # G, Chesapeake, VA 23320, USA | 5.0★ | 36 |
| #5 | C&F Mortgage Corp501 Independence Pkwy Suite # 305, Chesapeake, VA 23320, USA | 5.0★ | 50 |
| #6 | Chesapeake Bay Mortgage109 Mason Ave Suite D, Cape Charles, VA 23310, USA | 5.0★ | 12 |
| #7 | Ron Stowe Loan Officer with RW Towne Mortgage137 Mt Pleasant Rd, Chesapeake, VA 23322, USA | 5.0★ | 46 |
| #8 | Mortgage 757, LLC517 Baylor Ct, Chesapeake, VA 23320, USA | 5.0★ | 13 |
| #9 | Chace Cooper with TowneBank Mortgage1312 Greenbrier Pkwy, Chesapeake, VA 23322, USA | 5.0★ | 62 |
| #10 | Michael Miller at Rate (NMLS #305473)1228 Progressive Dr #200, Chesapeake, VA 23320, USA | 5.0★ | 11 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Chesapeake
Marcie Ellis Richard at CrossCountry Mortgage
445 Battlefield Blvd N # G, Chesapeake, VA 23320, USA
C&F Mortgage Corp
501 Independence Pkwy Suite # 305, Chesapeake, VA 23320, USA
Chesapeake Bay Mortgage
109 Mason Ave Suite D, Cape Charles, VA 23310, USA
Ron Stowe Loan Officer with RW Towne Mortgage
137 Mt Pleasant Rd, Chesapeake, VA 23322, USA
Mortgage 757, LLC
517 Baylor Ct, Chesapeake, VA 23320, USA
Chace Cooper with TowneBank Mortgage
1312 Greenbrier Pkwy, Chesapeake, VA 23322, USA
Michael Miller at Rate (NMLS #305473)
1228 Progressive Dr #200, Chesapeake, VA 23320, USA
The Broker-Mortgage Experts - Patrick Grosskopf
1116 Volvo Pkwy Suite 109, Chesapeake, VA 23320, USA
Joe Kersey
638 Independence Pkwy # 250, Chesapeake, VA 23320, USA
New Dominion Mortgage
1044 Volvo Pkwy, Chesapeake, VA 23320, USA
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Frequently Asked Questions — Mortgage Brokers in Chesapeake
What does a mortgage broker do differently than going directly to a bank in Chesapeake?
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 Chesapeake?
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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