Top Picks · Reston
Best Mortgage Brokers in Reston, VA
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As of May 2026, RatingsNearMe ranks 14 mortgage brokers in Reston, VA by verified customer ratings and review volume. The highest-rated is Churchill Mortgage - Herndon with a 4.9-star rating from 448 verified reviews. Also in the top tier: 4Ever Lending USA and Intercoastal Mortgage: Sebastian Rivera. The average rating across all listed mortgage brokers in Reston is 5 stars from 113 reviews per business on average.
Mortgage brokers in Reston: 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
14
Businesses listed
5★
Avg rating
113
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Churchill Mortgage - Herndon
505 Huntmar Park Dr Ste 250, Herndon, VA 20170, USA
4Ever Lending USA
2286 Dosinia Ct, Reston, VA 20191, USA
Intercoastal Mortgage: Sebastian Rivera
11911 Freedom Dr Suite Suite 500, Reston, VA 20190, USA
Mortgage Brokers Rankings in Reston, VA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Churchill Mortgage - Herndon505 Huntmar Park Dr Ste 250, Herndon, VA 20170, USA | 4.9★ | 448 |
| #2 | 4Ever Lending USA2286 Dosinia Ct, Reston, VA 20191, USA | 5.0★ | 371 |
| #3 | Intercoastal Mortgage: Sebastian Rivera11911 Freedom Dr Suite Suite 500, Reston, VA 20190, USA | 5.0★ | 128 |
| #4 | Mortgage X Home Loans1765 Greensboro Station Pl Tower 1, Suite 900, McLean, VA 22102, USA | 4.9★ | 140 |
| #5 | Brian Callan NMLS #97744212005 Sunrise Valley Dr Suite 410, Reston, VA 20191, USA | 5.0★ | 123 |
| #6 | The Rosenbaum Lending Group11921 Freedom Dr Suite 200, Reston, VA 20190, USA | 5.0★ | 65 |
| #7 | Colonial Mortgage Capital - Andy Sikora11890 Sunrise Valley Dr, Reston, VA 20191, USA | 5.0★ | 48 |
| #8 | Intercoastal Mortgage, LLC: Mya Tran11911 Freedom Dr Suite 500, Reston, VA 20190, USA | 5.0★ | 81 |
| #9 | American Pacific Mortgage (NMLS #2696537)12020 Sunrise Valley Dr Suite 100 Office 144A, Reston, VA 20191, USA | 5.0★ | 22 |
| #10 | Alanna Hantho at Intercoastal Mortgage, LLC11911 Freedom Dr suite 500, Reston, VA 20190, USA | 5.0★ | 29 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Reston
Mortgage X Home Loans
1765 Greensboro Station Pl Tower 1, Suite 900, McLean, VA 22102, USA
Brian Callan NMLS #977442
12005 Sunrise Valley Dr Suite 410, Reston, VA 20191, USA
The Rosenbaum Lending Group
11921 Freedom Dr Suite 200, Reston, VA 20190, USA
Colonial Mortgage Capital - Andy Sikora
11890 Sunrise Valley Dr, Reston, VA 20191, USA
Intercoastal Mortgage, LLC: Mya Tran
11911 Freedom Dr Suite 500, Reston, VA 20190, USA
American Pacific Mortgage (NMLS #2696537)
12020 Sunrise Valley Dr Suite 100 Office 144A, Reston, VA 20191, USA
Alanna Hantho at Intercoastal Mortgage, LLC
11911 Freedom Dr suite 500, Reston, VA 20190, USA
Fairway Independent Mortgage Corporation
1984 Isaac Newton Square W Suite 300, Reston, VA 20190, USA
Fred Wilson, SWBC Mortgage
1930 Isaac Newton Square STE 205, Reston, VA 20190, USA
Katie Simmons Hickey at CrossCountry Mortgage
11921 Freedom Dr Suite 550 Office 561, Reston, VA 20190, USA
Bluestone Home Loans
1571 Bennington Woods Ct, Reston, VA 20194, USA
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Frequently Asked Questions — Mortgage Brokers in Reston
What does a mortgage broker do differently than going directly to a bank in Reston?
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 Reston?
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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