Licensed · Suffolk
Licensed & Insured Mortgage Brokers in Suffolk, VA
Every mortgage brokers listed here carries proper licensing and insurance in VA. Protect yourself — always verify credentials before work begins.
As of June 2026, RatingsNearMe ranks 6 mortgage brokers in Suffolk, VA by verified customer ratings and review volume. The highest-rated is Kristen Smith with TowneBank Mortgage with a 5.0-star rating from 53 verified reviews. Also in the top tier: New American Funding - Anthony VanDyke and Hard Money Lenders Suffolk VA. The average rating across all listed mortgage brokers in Suffolk is 4.4 stars from 17 reviews per business on average.
Mortgage brokers in Suffolk: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated June 1, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
6
Businesses listed
4.4★
Avg rating
17
Avg reviews
Jun 1, 2026
Last updated
Top Rated Mortgage Brokers
Kristen Smith with TowneBank Mortgage
5806 Harbour View Blvd Suite 100, Suffolk, VA 23435, USA
New American Funding - Anthony VanDyke
425 W Washington St Suite 4 Office 219, Suffolk, VA 23434, USA
Hard Money Lenders Suffolk VA
112 W Washington St, Suffolk, VA 23434, USA
Mortgage Brokers Rankings in Suffolk, VA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Kristen Smith with TowneBank Mortgage5806 Harbour View Blvd Suite 100, Suffolk, VA 23435, USA | 5.0★ | 53 |
| #2 | New American Funding - Anthony VanDyke425 W Washington St Suite 4 Office 219, Suffolk, VA 23434, USA | 4.8★ | 28 |
| #3 | Hard Money Lenders Suffolk VA112 W Washington St, Suffolk, VA 23434, USA | 5.0★ | 1 |
| #4 | Commercial Real Estate Mortgage Loans Suffolk VA215 Chestnut St # C, Suffolk, VA 23434, USA | — | — |
| #5 | New American Funding- Suffolk425 W Washington St Suite 4 Office 219, Suffolk, VA 23434, USA | 2.0★ | 1 |
| #6 | Ronetta Sykes - First Home Mortgage425 W Washington St #4, Suffolk, VA 23434, USA | 5.0★ | 1 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Mortgage Brokers in Suffolk
Commercial Real Estate Mortgage Loans Suffolk VA
215 Chestnut St # C, Suffolk, VA 23434, USA
New American Funding- Suffolk
425 W Washington St Suite 4 Office 219, Suffolk, VA 23434, USA
Ronetta Sykes - First Home Mortgage
425 W Washington St #4, Suffolk, VA 23434, USA
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Frequently Asked Questions — Mortgage Brokers in Suffolk
What does a mortgage broker do differently than going directly to a bank in Suffolk?
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 Suffolk?
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: June 1, 2026.
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