Licensed · Silver Spring
Licensed & Insured Mortgage Brokers in Silver Spring, MD
Every mortgage brokers listed here carries proper licensing and insurance in MD. Protect yourself — always verify credentials before work begins.
As of May 2026, RatingsNearMe ranks 17 mortgage brokers in Silver Spring, MD by verified customer ratings and review volume. The highest-rated is Embrace Home Loans - Rockville, MD with a 4.9-star rating from 459 verified reviews. Also in the top tier: Cornerstone First Financial NMLS ID #292897 and Embrace Home Loans - Sandy Spring, MD. The average rating across all listed mortgage brokers in Silver Spring is 4.9 stars from 137 reviews per business on average.
Mortgage brokers in Silver Spring: 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
17
Businesses listed
4.9★
Avg rating
137
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Embrace Home Loans - Rockville, MD
702 King Farm Blvd Suite 250, Rockville, MD 20850, USA
Cornerstone First Financial NMLS ID #292897
2300 Wisconsin Ave NW #100b, Washington, DC 20007, USA
Embrace Home Loans - Sandy Spring, MD
508 Olney Sandy Spring Rd Suite 200, Sandy Spring, MD 20860, USA
Mortgage Brokers Rankings in Silver Spring, MD
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Embrace Home Loans - Rockville, MD702 King Farm Blvd Suite 250, Rockville, MD 20850, USA | 4.9★ | 459 |
| #2 | Cornerstone First Financial NMLS ID #2928972300 Wisconsin Ave NW #100b, Washington, DC 20007, USA | 5.0★ | 245 |
| #3 | Embrace Home Loans - Sandy Spring, MD508 Olney Sandy Spring Rd Suite 200, Sandy Spring, MD 20860, USA | 5.0★ | 220 |
| #4 | 1RATE Mortgage12123 Heritage Park Cir, Silver Spring, MD 20906, USA | 5.0★ | 139 |
| #5 | Kerins Associates Inc.13821 Mills Ave, Silver Spring, MD 20904, USA | 5.0★ | 117 |
| #6 | MortgageStar, LLC4550 Montgomery Ave Suite 115, Bethesda, MD 20814, USA | 5.0★ | 71 |
| #7 | Chris Jordan Mortgage Team of Main Street Home Loans12510 Prosperity Dr #185, Silver Spring, MD 20904, USA | 5.0★ | 112 |
| #8 | Edward Perez at Prosperity Home Mortgage - Silver Spring12520 Prosperity Dr #105, Silver Spring, MD 20904, USA | 5.0★ | 29 |
| #9 | Mortgage Link Services, LLC1700 Elton Rd Suite 202, Silver Spring, MD 20903, USA | 5.0★ | 23 |
| #10 | Main Street Home Loans, Travis Vollmerhausen NMLS #46350412510 Prosperity Dr #185, Silver Spring, MD 20904, USA | 5.0★ | 14 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Silver Spring
1RATE Mortgage
12123 Heritage Park Cir, Silver Spring, MD 20906, USA
Kerins Associates Inc.
13821 Mills Ave, Silver Spring, MD 20904, USA
MortgageStar, LLC
4550 Montgomery Ave Suite 115, Bethesda, MD 20814, USA
Chris Jordan Mortgage Team of Main Street Home Loans
12510 Prosperity Dr #185, Silver Spring, MD 20904, USA
Edward Perez at Prosperity Home Mortgage - Silver Spring
12520 Prosperity Dr #105, Silver Spring, MD 20904, USA
Mortgage Link Services, LLC
1700 Elton Rd Suite 202, Silver Spring, MD 20903, USA
Main Street Home Loans, Travis Vollmerhausen NMLS #463504
12510 Prosperity Dr #185, Silver Spring, MD 20904, USA
Glenn Benson at Prosperity Home Mortgage - Silver Spring
12520 Prosperity Dr #105, Silver Spring, MD 20904, USA
Alex Jaffe
8401 Connecticut Ave Suite 1100, Chevy Chase, MD 20815, USA
Everett Financial dba Supreme Lending
118 Westminster Pike Suite 200, Reisterstown, MD 21136, USA
Colonial Mortgage Group
3261 Old Washington Rd STE 1011, Waldorf, MD 20602, USA
Mortgage Experts
9500 Medical Center Dr #102, Upper Marlboro, MD 20774, USA
McKay Mortgage Company LLC
7200 Wisconsin Ave #500, Bethesda, MD 20814, USA
Fortis Mortgage
7761 Diamondback Dr, College Park, MD 20742, USA
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Frequently Asked Questions — Mortgage Brokers in Silver Spring
What does a mortgage broker do differently than going directly to a bank in Silver Spring?
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 Silver Spring?
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 MD?
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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