24/7 Available · Virginia Beach
24-Hour Mortgage Brokers in Virginia Beach, VA — Always Available
Emergencies don't keep business hours. These mortgage brokers in Virginia Beach are available 24 hours a day, 7 days a week — including holidays.
As of May 2026, RatingsNearMe ranks 19 mortgage brokers in Virginia Beach, VA by verified customer ratings and review volume. The highest-rated is Atlantic Bay Mortgage Group - Virginia Beach with a 5.0-star rating from 2,292 verified reviews. Also in the top tier: Tidewater Mortgage Services, Inc. NMLS #: 71158 and CMS Mortgage Solutions, Inc.. The average rating across all listed mortgage brokers in Virginia Beach is 4.9 stars from 372 reviews per business on average.
Mortgage brokers in Virginia Beach: 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
4.9★
Avg rating
372
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Atlantic Bay Mortgage Group - Virginia Beach
600 Lynnhaven Pkwy #100, Virginia Beach, VA 23452, USA
Tidewater Mortgage Services, Inc. NMLS #: 71158
200 Golden Oak Ct Suite 100, Virginia Beach, VA 23452, USA
CMS Mortgage Solutions, Inc.
1612 Centerville Turnpike STE 307, Virginia Beach, VA 23464, USA
Mortgage Brokers Rankings in Virginia Beach, VA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Atlantic Bay Mortgage Group - Virginia Beach600 Lynnhaven Pkwy #100, Virginia Beach, VA 23452, USA | 5.0★ | 2,292 |
| #2 | Tidewater Mortgage Services, Inc. NMLS #: 71158200 Golden Oak Ct Suite 100, Virginia Beach, VA 23452, USA | 4.9★ | 1,511 |
| #3 | CMS Mortgage Solutions, Inc.1612 Centerville Turnpike STE 307, Virginia Beach, VA 23464, USA | 4.9★ | 769 |
| #4 | VA Choice Home Mortgage Inc.2020 General Booth Blvd #200, Virginia Beach, VA 23454, USA | 4.9★ | 144 |
| #5 | VA Wholesale Mortgage4099 Foxwood Dr #108, Virginia Beach, VA 23462, USA | 4.8★ | 71 |
| #6 | First Signature Mortgage, LLC2037 Laskin Rd, Virginia Beach, VA 23454, USA | 5.0★ | 374 |
| #7 | Atlantic Coast Mortgage - Virginia Beach932 Laskin Rd Suite 100, Virginia Beach, VA 23451, USA | 4.9★ | 153 |
| #8 | United Atlantic Mortgage2476 Nimmo Pkwy Ste 122, Virginia Beach, VA 23456, USA | 4.9★ | 99 |
| #9 | Wes Flowers - Loan Officer -- Southern Trust Mortgage295 Bendix Rd Suite 400, Virginia Beach, VA 23452, USA | 4.8★ | 60 |
| #10 | Steve Holland VA Home Loans & Mortgage Lender5040 Corporate Woods Dr Suite 100, Virginia Beach, VA 23462, USA | 5.0★ | 72 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Virginia Beach
VA Choice Home Mortgage Inc.
2020 General Booth Blvd #200, Virginia Beach, VA 23454, USA
VA Wholesale Mortgage
4099 Foxwood Dr #108, Virginia Beach, VA 23462, USA
First Signature Mortgage, LLC
2037 Laskin Rd, Virginia Beach, VA 23454, USA
Atlantic Coast Mortgage - Virginia Beach
932 Laskin Rd Suite 100, Virginia Beach, VA 23451, USA
United Atlantic Mortgage
2476 Nimmo Pkwy Ste 122, Virginia Beach, VA 23456, USA
Wes Flowers - Loan Officer -- Southern Trust Mortgage
295 Bendix Rd Suite 400, Virginia Beach, VA 23452, USA
Steve Holland VA Home Loans & Mortgage Lender
5040 Corporate Woods Dr Suite 100, Virginia Beach, VA 23462, USA
ONE Presidential Mortgage
2101 Parks Ave STE 600, Virginia Beach, VA 23451, USA
Pat Miller Mortgage Team - Loan Officers - Southern Trust Mortgage
295 Bendix Rd #400, Virginia Beach, VA 23452, USA
PrimeLending, A PlainsCapital Company - Virginia Beach
780 Lynnhaven Pkwy Suite 375, Virginia Beach, VA 23452, USA
Veterans United Home Loans of Hampton Roads
564 Lynnhaven Pkwy, Virginia Beach, VA 23452, USA
Nate D. Allen - VA Wholesale Mortgage
4099 Foxwood Dr #108, Virginia Beach, VA 23462, USA
Jonathan Locklear Mortgage VA Home Loan Specialist
575 Lynnhaven Pkwy Suite 101, Virginia Beach, VA 23452, USA
Atlantic Mortgage & Funding
2000 General Booth Blvd STE 104, Virginia Beach, VA 23454, USA
Southern Trust Mortgage, LLC
295 Bendix Rd #400, Virginia Beach, VA 23452, USA
Mike Grunwald - Loan Officer -- Southern Trust Mortgage
295 Bendix Rd #400, Virginia Beach, VA 23452, USA
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Frequently Asked Questions — Mortgage Brokers in Virginia Beach
What does a mortgage broker do differently than going directly to a bank in Virginia Beach?
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 Virginia Beach?
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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