Local Pros · Fayetteville
Local Mortgage Brokers in Fayetteville, NC
Locally owned and operated mortgage brokers serving Fayetteville and the surrounding area. Supporting local businesses means faster response and accountability.
As of May 2026, RatingsNearMe ranks 20 mortgage brokers in Fayetteville, NC by verified customer ratings and review volume. The highest-rated is Veterans United Home Loans of Fayetteville with a 4.8-star rating from 304 verified reviews. Also in the top tier: Southern Trust Mortgage - Fayetteville, NC and Legacy Lending. The average rating across all listed mortgage brokers in Fayetteville is 4.9 stars from 65 reviews per business on average.
Mortgage brokers in Fayetteville: 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
4.9★
Avg rating
65
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Veterans United Home Loans of Fayetteville
4129 Raeford Rd Suite 103, Fayetteville, NC 28304, USA
Southern Trust Mortgage - Fayetteville, NC
4187 Sycamore Dairy Rd Suite1, Fayetteville, NC 28303, USA
Legacy Lending
1323 Huntsville Hwy A, Fayetteville, TN 37334, USA
Mortgage Brokers Rankings in Fayetteville, NC
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Veterans United Home Loans of Fayetteville4129 Raeford Rd Suite 103, Fayetteville, NC 28304, USA | 4.8★ | 304 |
| #2 | Southern Trust Mortgage - Fayetteville, NC4187 Sycamore Dairy Rd Suite1, Fayetteville, NC 28303, USA | 5.0★ | 59 |
| #3 | Legacy Lending1323 Huntsville Hwy A, Fayetteville, TN 37334, USA | 4.9★ | 136 |
| #4 | Carolina Home Mortgage NMLS 45212324 N McPherson Church Rd, Fayetteville, NC 28303, USA | 4.8★ | 109 |
| #5 | PrimeLending, A PlainsCapital Company - Fayetteville2944 Breezewood Ave STE 201, Fayetteville, NC 28303, USA | 5.0★ | 46 |
| #6 | Janiece R Brewer | Element Home Loans Branch Manager/Sr Loan Officer4140 Ferncreek Dr #701, Fayetteville, NC 28314, USA | 5.0★ | 64 |
| #7 | Brian Canady4187 Sycamore Dairy Rd, Fayetteville, NC 28303, USA | 5.0★ | 35 |
| #8 | Premier Capital Mortgage LLC588 Executive Pl #202, Fayetteville, NC 28305, USA | 5.0★ | 39 |
| #9 | Guild Mortgage - JR Williams2533 Raeford Rd STE C, Fayetteville, NC 28305, USA | 5.0★ | 43 |
| #10 | ALCOVA Mortgage | Fayetteville, NC921 S McPherson Church Rd Suite B, Fayetteville, NC 28303, USA | 5.0★ | 47 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Fayetteville
Carolina Home Mortgage NMLS 45212
324 N McPherson Church Rd, Fayetteville, NC 28303, USA
PrimeLending, A PlainsCapital Company - Fayetteville
2944 Breezewood Ave STE 201, Fayetteville, NC 28303, USA
Janiece R Brewer | Element Home Loans Branch Manager/Sr Loan Officer
4140 Ferncreek Dr #701, Fayetteville, NC 28314, USA
Brian Canady
4187 Sycamore Dairy Rd, Fayetteville, NC 28303, USA
Premier Capital Mortgage LLC
588 Executive Pl #202, Fayetteville, NC 28305, USA
Guild Mortgage - JR Williams
2533 Raeford Rd STE C, Fayetteville, NC 28305, USA
ALCOVA Mortgage | Fayetteville, NC
921 S McPherson Church Rd Suite B, Fayetteville, NC 28303, USA
Jeremy White
4187 Sycamore Dairy Rd STE 1, Fayetteville, NC 28303, USA
Guild Mortgage - Melissa Mckinney
2533 Raeford Rd STE C, Fayetteville, NC 28305, USA
Nicki Torres Movement Mortgage Torres Team
201 Hay St UNIT 301, Fayetteville, NC 28301, USA
Fairway Independent Mortgage Corporation
4140 Ferncreek Dr #701, Fayetteville, NC 28314, USA
Marilyn Mikan
4187 Sycamore Dairy Rd STE 1, Fayetteville, NC 28303, USA
Union Home Mortgage
6920A Cliffdale Rd, Fayetteville, NC 28314, USA
The Spell Team - Mutual of Omaha Mortgage
639 Executive Pl Ste 107, Fayetteville, NC 28305, USA
Mortgage Source of Fayetteville, Inc.
2545 Ravenhill Dr, Fayetteville, NC 28303, USA
Tactical Mortgage LLC
150 N McPherson Church Rd, Fayetteville, NC 28303, USA
First Point Home Loans, LLC
639 Executive Pl STE 400, Fayetteville, NC 28305, USA
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Frequently Asked Questions — Mortgage Brokers in Fayetteville
What does a mortgage broker do differently than going directly to a bank in Fayetteville?
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 Fayetteville?
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 NC?
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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