Highest Rated · Chesapeake
Top-Rated Mortgage Brokers in Chesapeake, VA
Every business ranked by real customer ratings. The pros at the top earned it — through consistent service, not advertising spend.
As of July 2026, RatingsNearMe ranks 13 mortgage brokers in Chesapeake, VA by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Tim Lee Loan Officer with RW Towne Mortgage with a 5.0-star rating from 103 Google reviews and an RNM Score of 84/100. 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 July 4, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
Whitney Oertel Senior Mortgage Loan Officer with Towne Mortgage
Whitney Oertel is recognized as a top-ranked mortgage broker in Chesapeake, VA, offering personalized service and extensive industry experience.
Most Reviewed
Whitney Oertel Senior Mortgage Loan Officer with Towne Mortgage
A high review count indicates broad customer trust and proven reliability in the local market.
When choosing a mortgage broker in Chesapeake, verify licensing and read recent reviews to ensure you select a lender who communicates clearly and offers competitive rates. Consider interviewing multiple brokers to find the best fit for your needs.
Local Market Snapshot
13
Businesses listed
4.9★
Avg rating
42
Avg reviews
Jul 4, 2026
Last updated
Top Rated Mortgage Brokers
Rated 5.0 stars from over 100 Google reviews in Chesapeake.
628 Cedar Rd, Chesapeake, VA 23322, USAA trusted Chesapeake mortgage broker with a perfect 5.0★ rating from 96 reviews.
128 Battlefield Blvd N, Chesapeake, VA 23320, USATrusted by 89 clients with a stellar 4.9-star average rating.
1108 Eden Way N A, Chesapeake, VA 23320, USAMortgage 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 | C&F Mortgage Corp501 Independence Pkwy Suite # 305, Chesapeake, VA 23320, USA | 5.0★ | 50 |
| #5 | Ron Stowe Loan Officer with RW Towne Mortgage137 Mt Pleasant Rd, Chesapeake, VA 23322, USA | 5.0★ | 46 |
| #6 | Marcie Ellis Richard at CrossCountry Mortgage445 Battlefield Blvd N # G, Chesapeake, VA 23320, USA | 5.0★ | 36 |
| #7 | Joe Kersey638 Independence Pkwy # 250, Chesapeake, VA 23320, USA | 5.0★ | 13 |
| #8 | Chesapeake Bay Mortgage109 Mason Ave Suite D, Cape Charles, VA 23310, USA | 5.0★ | 12 |
| #9 | Michael Miller at Rate (NMLS #305473)1228 Progressive Dr #200, Chesapeake, VA 23320, USA | 5.0★ | 11 |
| #10 | New Dominion Mortgage1044 Volvo Pkwy, Chesapeake, VA 23320, USA | 3.9★ | 7 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Chesapeake
Chesapeake mortgage broker with a perfect 5.0-star rating from 50 Google reviews.
501 Independence Pkwy Suite # 305, Chesapeake, VA 23320, USA
Consistently rated 5.0 stars from 46 local reviews in Chesapeake.
137 Mt Pleasant Rd, Chesapeake, VA 23322, USA
Top-rated Chesapeake mortgage broker with 5.0 stars from 36 reviews.
445 Battlefield Blvd N # G, Chesapeake, VA 23320, USA
Top-rated Chesapeake mortgage broker with a perfect 5.0-star rating from 13 reviews.
638 Independence Pkwy # 250, Chesapeake, VA 23320, USA
5.0 stars from 12 Google reviews reflects exceptional local client satisfaction.
109 Mason Ave Suite D, Cape Charles, VA 23310, USA
Earned a perfect 5.0-star rating from 11 Google reviews in Chesapeake.
1228 Progressive Dr #200, Chesapeake, VA 23320, USA
Offers mortgage services with a 3.9-star rating from 7 Google reviews.
1044 Volvo Pkwy, Chesapeake, VA 23320, USA
5.0-star rating from 3 Google reviews for a Chesapeake mortgage broker.
1116 Volvo Pkwy Suite 109, Chesapeake, VA 23320, USA
Rated 5.0 stars from 13 Google reviews, this Chesapeake mortgage broker is highly recommended.
517 Baylor Ct, Chesapeake, VA 23320, USA
5.0 stars from 62 reviews, making this Chesapeake mortgage broker exceptionally trusted.
1312 Greenbrier Pkwy, Chesapeake, VA 23322, USA
Get Free Quotes
We'll connect you with the top mortgage brokers in Chesapeake, VA.
Mortgage Brokers in Chesapeake, VA — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Tim Lee Loan Officer with RW Towne Mortgage | 84/100 | 5.0 ★ | 103 |
| 2 | Whitney Oertel Senior Mortgage Loan Officer with Towne Mortgage | 83/100 | 5.0 ★ | 96 |
| 3 | Tidewater Home Funding | 81/100 | 4.9 ★ | 89 |
| 4 | C&F Mortgage Corp | 80/100 | 5.0 ★ | 50 |
| 5 | Ron Stowe Loan Officer with RW Towne Mortgage | 79/100 | 5.0 ★ | 46 |
| 6 | Marcie Ellis Richard at CrossCountry Mortgage | 78/100 | 5.0 ★ | 36 |
| 7 | Joe Kersey | 73/100 | 5.0 ★ | 13 |
| 8 | Chesapeake Bay Mortgage | 72/100 | 5.0 ★ | 12 |
| 9 | Michael Miller at Rate (NMLS #305473) | 72/100 | 5.0 ★ | 11 |
| 10 | New Dominion Mortgage | 51/100 | 3.9 ★ | 7 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · July 2026
Get your business on AI — ChatGPT, Perplexity & Google AI
AI assistants increasingly recommend local mortgage brokers straight from RatingsNearMe. Claim your spot in Chesapeake to get featured in AI answers, comparison tables, and “best near me” results — where customers are actually searching now.
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.
Mortgage Brokers in Nearby Cities
Compare top-rated mortgage brokers in cities near you.
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.
More Home Services in Chesapeake
Related Searches
More ways to find mortgage brokers in Chesapeake