Near You · Fredericksburg
Mortgage Brokers Near You in Fredericksburg, VA
Find mortgage brokers close to you in Fredericksburg. All results are sorted by proximity and rated by real local customers.
As of May 2026, RatingsNearMe ranks 19 mortgage brokers in Fredericksburg, VA by verified customer ratings and review volume. The highest-rated is The Hine & Taylor Mortgage Team- Scott Hine and Jordan Taylor at Fairway Independent Mortgage Corp. with a 5.0-star rating from 104 verified reviews. 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 May 17, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
19
Businesses listed
5★
Avg rating
51
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
The Hine & Taylor Mortgage Team- Scott Hine and Jordan Taylor at Fairway Independent Mortgage Corp.
3006 Lafayette Blvd, Fredericksburg, VA 22408, USA
Nick Bohn, Movement Mortgage
107 William St, Fredericksburg, VA 22401, USA
Mac Church - Atlantic Coast Mortgage
923 Maple Grove Dr Ste 205, Fredericksburg, VA 22407, USA
Mortgage 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 | Union Home Mortgage - Fredericksburg606 William St, Fredericksburg, VA 22401, USA | 4.9★ | 56 |
| #5 | Embrace Home Loans - Fredericksburg, VA1671 Emancipation Hwy #205, Fredericksburg, VA 22401, USA | 4.9★ | 99 |
| #6 | Heather Frye | The Frye Lending Team611 Caroline St, Fredericksburg, VA 22401, USA | 4.9★ | 45 |
| #7 | Nationwide Mortgage Bankers NMLS#8193822050 Gordon W. Shelton Blvd Suite 101, Fredericksburg, VA 22401, USA | 5.0★ | 50 |
| #8 | Adam Stempin, Mortgage Broker2093 Emancipation Hwy, Fredericksburg, VA 22401, USA | 4.9★ | 39 |
| #9 | Atlantic Coast Mortgage - Fredericksburg923 Maple Grove Dr Ste 205, Fredericksburg, VA 22407, USA | 4.8★ | 55 |
| #10 | Chad Hallett, Movement Mortgage510 Princess Anne St Suite 201, Fredericksburg, VA 22401, USA | 5.0★ | 69 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Fredericksburg
Union Home Mortgage - Fredericksburg
606 William St, Fredericksburg, VA 22401, USA
Embrace Home Loans - Fredericksburg, VA
1671 Emancipation Hwy #205, Fredericksburg, VA 22401, USA
Heather Frye | The Frye Lending Team
611 Caroline St, Fredericksburg, VA 22401, USA
Nationwide Mortgage Bankers NMLS#819382
2050 Gordon W. Shelton Blvd Suite 101, Fredericksburg, VA 22401, USA
Adam Stempin, Mortgage Broker
2093 Emancipation Hwy, Fredericksburg, VA 22401, USA
Atlantic Coast Mortgage - Fredericksburg
923 Maple Grove Dr Ste 205, Fredericksburg, VA 22407, USA
Chad Hallett, Movement Mortgage
510 Princess Anne St Suite 201, Fredericksburg, VA 22401, USA
CMS Mortgage Solutions Inc.
9951 Patriot Hwy, Fredericksburg, VA 22407, USA
America's Choice Mortgage Company
156 Storck Rd, Fredericksburg, VA 22406, USA
Lisa Nichols - Atlantic Coast Mortgage
923 Maple Grove Dr Ste 205, Fredericksburg, VA 22407, USA
C&F Mortgage Corp
1320 Central Park Blvd STE 201, Fredericksburg, VA 22401, USA
Brian Brooks mortgage banker
10008 Southpoint Pkwy #101, Fredericksburg, VA 22407, USA
Peyton Lending Team NMLS 2037473 l Summit Funding, Inc
611 Caroline St, Fredericksburg, VA 22401, USA
Philip King - Ameris Bank Mortgage
520 William St Suite F, Fredericksburg, VA 22401, USA
Doug Salzman
303 Charlotte St, Fredericksburg, VA 22401, USA
Brandon Colletti
809 William St, Fredericksburg, VA 22401, USA
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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: May 17, 2026.
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