Pricing Guide · Silver Spring
Mortgage Brokers Cost in Silver Spring, MD — 2026 Price Guide
What should you pay for mortgage brokers in Silver Spring? See real 2026 price ranges from local pros and get free quotes to compare.
As of June 2026, RatingsNearMe ranks 17 mortgage brokers in Silver Spring, MD by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Embrace Home Loans - Rockville, MD with a 4.9-star rating from 459 Google reviews and an RNM Score of 87/100. 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 June 9, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Mortgage brokers in Silver Spring, MD help consumers find and secure home loans. They work with multiple lenders to compare rates and terms, guiding clients through the application and approval process. Consumers should research brokers' credentials, experience, and customer reviews when selecting a local mortgage professional.
- ✓Mortgage brokers in Silver Spring, MD work with multiple lenders
- ✓They help consumers compare rates and terms to find the best loan
- ✓Consumers should research brokers' credentials and experience
How to Choose a Mortgage Broker in Silver Spring
What to look for
- • Mortgage brokers with experience working in the Silver Spring, MD market
- • Brokers who are licensed and in good standing with the Maryland Commissioner of Financial Regulation
- • Brokers who can provide references from past clients in the Silver Spring area
- • Brokers who are transparent about their fees and commission structure
Questions to ask
- • How long have you been a mortgage broker in Silver Spring, MD?
- • What types of loan programs do you typically work with for Silver Spring homebuyers?
- • Can you provide me with a list of your recent client references in Silver Spring?
Red flags
- ⚠ Brokers who are not licensed or cannot provide proof of licensing in Maryland
- ⚠ Brokers who are unwilling to provide a detailed breakdown of their fees
- ⚠ Brokers who pressure you to use a specific lender or loan program
In Maryland, mortgage brokers must be licensed by the Commissioner of Financial Regulation. Be sure to verify a broker's license and check for any disciplinary actions before hiring.
Local Market Snapshot
17
Businesses listed
4.9★
Avg rating
137
Avg reviews
Jun 9, 2026
Last updated
Top Rated Mortgage Brokers
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 | MortgageStar, LLC4550 Montgomery Ave Suite 115, Bethesda, MD 20814, USA | 5.0★ | 71 |
| #5 | Chris Jordan Mortgage Team of Main Street Home Loans12510 Prosperity Dr #185, Silver Spring, MD 20904, USA | 5.0★ | 112 |
| #6 | 1RATE Mortgage12123 Heritage Park Cir, Silver Spring, MD 20906, USA | 5.0★ | 139 |
| #7 | Kerins Associates Inc.13821 Mills Ave, Silver Spring, MD 20904, USA | 5.0★ | 117 |
| #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 June 2026
All Mortgage Brokers in Silver Spring
4550 Montgomery Ave Suite 115, Bethesda, MD 20814, USA
12510 Prosperity Dr #185, Silver Spring, MD 20904, USA
Exceptional 5.0-star rating from 139 Google reviews in Silver Spring.
12123 Heritage Park Cir, Silver Spring, MD 20906, USA
5.0-star rating from over one hundred Google reviews in Silver Spring.
13821 Mills Ave, Silver Spring, MD 20904, USA
12520 Prosperity Dr #105, Silver Spring, MD 20904, USA
1700 Elton Rd Suite 202, Silver Spring, MD 20903, USA
12510 Prosperity Dr #185, Silver Spring, MD 20904, USA
12520 Prosperity Dr #105, Silver Spring, MD 20904, USA
Rated 5.0 stars from 122 Google reviews, consistently earning top marks from clients.
8401 Connecticut Ave Suite 1100, Chevy Chase, MD 20815, USA
9500 Medical Center Dr #102, Upper Marlboro, MD 20774, USA
Rated 4.4 stars from over 300 Google reviews, a trusted local mortgage broker.
118 Westminster Pike Suite 200, Reisterstown, MD 21136, USA
Over 130 five-star Google reviews highlight exceptional local mortgage service.
3261 Old Washington Rd STE 1011, Waldorf, MD 20602, USA
7200 Wisconsin Ave #500, Bethesda, MD 20814, USA
Silver Spring mortgage broker with a perfect 5.0★ rating from over 120 reviews.
7761 Diamondback Dr, College Park, MD 20742, USA
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Mortgage Brokers in Silver Spring, MD — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Embrace Home Loans - Rockville, MD | 87/100 | 4.9 ★ | 459 |
| 2 | Cornerstone First Financial NMLS ID #292897 | 88/100 | 5.0 ★ | 245 |
| 3 | Embrace Home Loans - Sandy Spring, MD | 88/100 | 5.0 ★ | 220 |
| 4 | MortgageStar, LLC | 82/100 | 5.0 ★ | 71 |
| 5 | Chris Jordan Mortgage Team of Main Street Home Loans | 84/100 | 5.0 ★ | 112 |
| 6 | 1RATE Mortgage | 85/100 | 5.0 ★ | 139 |
| 7 | Kerins Associates Inc. | 84/100 | 5.0 ★ | 117 |
| 8 | Edward Perez at Prosperity Home Mortgage - Silver Spring | 77/100 | 5.0 ★ | 29 |
| 9 | Mortgage Link Services, LLC | 76/100 | 5.0 ★ | 23 |
| 10 | Main Street Home Loans, Travis Vollmerhausen NMLS #463504 | 73/100 | 5.0 ★ | 14 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · June 2026
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: June 9, 2026.
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