10+ Years · Fredericksburg
Experienced Mortgage Brokers in Fredericksburg, VA
Experience matters. These mortgage brokers in Fredericksburg have years of proven work behind them — and the reviews to back it up.
As of July 2026, RatingsNearMe ranks 19 mortgage brokers in Fredericksburg, VA by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is The Hine & Taylor Mortgage Team- Scott Hine and Jordan Taylor at Fairway Independent Mortgage Corp. with a 5.0-star rating from 104 Google reviews and an RNM Score of 84/100. Also in the top tier: Nick Bohn, Movement Mortgage and Mac Church - Atlantic Coast Mortgage. The average rating across all listed mortgage brokers in Fredericksburg is 5 stars from 51 reviews per business on average.
Mortgage brokers in Fredericksburg: 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
Mac Church - Atlantic Coast Mortgage
Mac Church is consistently top-ranked for his expertise, responsiveness, and ability to guide clients through complex mortgage processes in Fredericksburg.
Most Reviewed
Mac Church - Atlantic Coast Mortgage
A high review count indicates broad client trust and a proven track record of successful transactions.
When choosing a mortgage broker in Fredericksburg, compare local expertise and communication style, and always check recent reviews to ensure the broker aligns with your specific loan needs.
Local Market Snapshot
19
Businesses listed
5★
Avg rating
51
Avg reviews
Jul 4, 2026
Last updated
Top Rated Mortgage Brokers
5.0 stars from over 100 reviews, reflecting exceptional client trust in Fredericksburg.
3006 Lafayette Blvd, Fredericksburg, VA 22408, USAFredericksburg's top-rated mortgage broker with a flawless 5.0★ from 99 reviews.
107 William St, Fredericksburg, VA 22401, USAA Fredericksburg mortgage broker with a perfect 5.0-star rating from 85 reviews.
923 Maple Grove Dr Ste 205, Fredericksburg, VA 22407, USAMortgage Brokers Rankings in Fredericksburg, VA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | The Hine & Taylor Mortgage Team- Scott Hine and Jordan Taylor at Fairway Independent Mortgage Corp.3006 Lafayette Blvd, Fredericksburg, VA 22408, USA | 5.0★ | 104 |
| #2 | Nick Bohn, Movement Mortgage107 William St, Fredericksburg, VA 22401, USA | 5.0★ | 99 |
| #3 | Mac Church - Atlantic Coast Mortgage923 Maple Grove Dr Ste 205, Fredericksburg, VA 22407, USA | 5.0★ | 85 |
| #4 | Chad Hallett, Movement Mortgage510 Princess Anne St Suite 201, Fredericksburg, VA 22401, USA | 5.0★ | 69 |
| #5 | Union Home Mortgage - Fredericksburg606 William St, Fredericksburg, VA 22401, USA | 4.9★ | 56 |
| #6 | Atlantic Coast Mortgage - Fredericksburg923 Maple Grove Dr Ste 205, Fredericksburg, VA 22407, USA | 4.8★ | 55 |
| #7 | Heather Frye | The Frye Lending Team611 Caroline St, Fredericksburg, VA 22401, USA | 4.9★ | 45 |
| #8 | Adam Stempin, Mortgage Broker2093 Emancipation Hwy, Fredericksburg, VA 22401, USA | 4.9★ | 39 |
| #9 | CMS Mortgage Solutions Inc.9951 Patriot Hwy, Fredericksburg, VA 22407, USA | 5.0★ | 31 |
| #10 | Brandon Colletti809 William St, Fredericksburg, VA 22401, USA | 5.0★ | 46 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Fredericksburg
5.0-star rating from 69 Google reviews, reflecting exceptional client satisfaction.
510 Princess Anne St Suite 201, Fredericksburg, VA 22401, USA
Fredericksburg mortgage broker with a 4.9-star rating from 56 Google reviews.
606 William St, Fredericksburg, VA 22401, USA
Top-rated 4.8★ mortgage broker in Fredericksburg based on 55 glowing reviews.
923 Maple Grove Dr Ste 205, Fredericksburg, VA 22407, USA
4.9-star rating from 45 Google reviews reflects exceptional client satisfaction.
611 Caroline St, Fredericksburg, VA 22401, USA
Trusted by clients with a 4.9-star rating from nearly 40 reviews.
2093 Emancipation Hwy, Fredericksburg, VA 22401, USA
5.0 stars from 31 Google reviews for a trusted local mortgage broker.
9951 Patriot Hwy, Fredericksburg, VA 22407, USA
Exceptional 5.0-star rating from 46 Google reviews for a Fredericksburg mortgage broker.
809 William St, Fredericksburg, VA 22401, USA
Rated 4.7 stars from 36 reviews, trusted by local clients in Fredericksburg.
1320 Central Park Blvd STE 201, Fredericksburg, VA 22401, USA
Rated 5.0 stars from 62 Google reviews, this local mortgage broker is highly trusted.
923 Maple Grove Dr Ste 205, Fredericksburg, VA 22407, USA
Exceptional 5.0-star rating from 14 Google reviews for a trusted Fredericksburg mortgage broker.
10008 Southpoint Pkwy #101, Fredericksburg, VA 22407, USA
Exceptional 5.0-star rating from 12 Google reviews in Fredericksburg, VA.
520 William St Suite F, Fredericksburg, VA 22401, USA
Fredericksburg mortgage broker with 5.0 stars from 22 Google reviews.
611 Caroline St, Fredericksburg, VA 22401, USA
5.0 stars from 50 reviews, offering trusted mortgage guidance in Fredericksburg.
2050 Gordon W. Shelton Blvd Suite 101, Fredericksburg, VA 22401, USA
99 Google reviews earn a near-perfect 4.9★ rating for this Fredericksburg mortgage broker.
1671 Emancipation Hwy #205, Fredericksburg, VA 22401, USA
Fredericksburg mortgage broker with a 5.0 star rating from 20 Google reviews.
156 Storck Rd, Fredericksburg, VA 22406, USA
This Fredericksburg lender holds a perfect 5.0 star rating from over 30 reviews.
303 Charlotte St, Fredericksburg, VA 22401, USA
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Mortgage Brokers in Fredericksburg, VA — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | The Hine & Taylor Mortgage Team- Scott Hine and Jordan Taylor at Fairway Independent Mortgage Corp. | 84/100 | 5.0 ★ | 104 |
| 2 | Nick Bohn, Movement Mortgage | 83/100 | 5.0 ★ | 99 |
| 3 | Mac Church - Atlantic Coast Mortgage | 83/100 | 5.0 ★ | 85 |
| 4 | Chad Hallett, Movement Mortgage | 81/100 | 5.0 ★ | 69 |
| 5 | Union Home Mortgage - Fredericksburg | 79/100 | 4.9 ★ | 56 |
| 6 | Atlantic Coast Mortgage - Fredericksburg | 77/100 | 4.8 ★ | 55 |
| 7 | Heather Frye | The Frye Lending Team | 77/100 | 4.9 ★ | 45 |
| 8 | Adam Stempin, Mortgage Broker | 77/100 | 4.9 ★ | 39 |
| 9 | CMS Mortgage Solutions Inc. | 77/100 | 5.0 ★ | 31 |
| 10 | Brandon Colletti | 79/100 | 5.0 ★ | 46 |
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 Fredericksburg
What does a mortgage broker do differently than going directly to a bank in Fredericksburg?
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 Fredericksburg?
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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