4.5+ Stars · Waldorf
Highly Rated Mortgage Brokers in Waldorf, MD
Only the best make this list. These mortgage brokers in Waldorf have earned 4.5+ star ratings from real customers — consistently.
As of July 2026, RatingsNearMe ranks 12 mortgage brokers in Waldorf, MD by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Waterstone Mortgage with a 5.0-star rating from 290 Google reviews and an RNM Score of 88/100. Also in the top tier: Fairway Independent Mortgage Corporation and Jeffrey Halbert - First Home Mortgage. The average rating across all listed mortgage brokers in Waldorf is 5 stars from 69 reviews per business on average.
Mortgage brokers in Waldorf: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated July 4, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
James FitzGerald Mortgage Loan Officer with FitzGerald Financial Group
James FitzGerald is consistently top-ranked in Waldorf for his expertise, client satisfaction, and strong local reputation.
Most Reviewed
James FitzGerald Mortgage Loan Officer with FitzGerald Financial Group
A high number of reviews indicates proven reliability and trust from many past clients.
When choosing a mortgage broker in Waldorf, compare loan options and fees from multiple brokers, and prioritize those with strong local experience and positive client feedback.
Local Market Snapshot
12
Businesses listed
5★
Avg rating
69
Avg reviews
Jul 4, 2026
Last updated
Top Rated Mortgage Brokers
Waldorf mortgage broker with a perfect 5.0-star rating from nearly 300 reviews.
2587 Crain Hwy, Waldorf, MD 20601, USAWaldorf mortgage broker with a perfect 5.0-star rating from over 200 reviews.
10665 Stanhaven Pl Suite 103, White Plains, MD 20695, USAExceptional 5.0-star rating from over 100 Google reviews in Waldorf.
3240 Ferry Landing Rd Suite 201, Dunkirk, MD 20754, USAMortgage Brokers Rankings in Waldorf, MD
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Waterstone Mortgage2587 Crain Hwy, Waldorf, MD 20601, USA | 5.0★ | 290 |
| #2 | Fairway Independent Mortgage Corporation10665 Stanhaven Pl Suite 103, White Plains, MD 20695, USA | 5.0★ | 218 |
| #3 | Jeffrey Halbert - First Home Mortgage3240 Ferry Landing Rd Suite 201, Dunkirk, MD 20754, USA | 5.0★ | 107 |
| #4 | Kelli H. Williams- Geneva Financial173 St Patricks Dr #104, Waldorf, MD 20603, USA | 5.0★ | 31 |
| #5 | James FitzGerald Mortgage Loan Officer with FitzGerald Financial Group5010 Regency Pl Suite 101, White Plains, MD 20695, USA | 5.0★ | 10 |
| #6 | Embrace Home Loans - La Plata, MD107 Centennial St Ste 100C, La Plata, MD 20646, USA | 5.0★ | 36 |
| #7 | Fairway Independent Mortgage Corporation - La Plata, MD9375 Chesapeake St Suite 203, La Plata, MD 20646, USA | 5.0★ | 24 |
| #8 | Tim Murphy - AnnieMac Home Mortgage3720 Leonardtown Rd suite 105, Waldorf, MD 20601, USA | 5.0★ | 60 |
| #9 | Jill Williams with FitzGerald Financial Group5010 Regency Pl, White Plains, MD 20695, USA | 5.0★ | 13 |
| #10 | Diana Rucci Motto Mortgage Preferred10665 Stanhaven Pl Suite 300A (Ste 3102, White Plains, MD 20695, USA | 5.0★ | 12 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Waldorf
Top-rated Waldorf mortgage broker with a perfect 5.0★ rating from 31 reviews.
173 St Patricks Dr #104, Waldorf, MD 20603, USA
5.0 stars from 10 Google reviews, highlighting exceptional local service.
5010 Regency Pl Suite 101, White Plains, MD 20695, USA
5.0 stars from 36 reviews, reflecting exceptional client satisfaction in Waldorf.
107 Centennial St Ste 100C, La Plata, MD 20646, USA
Boasts a perfect 5.0-star rating from 24 local Google reviews.
9375 Chesapeake St Suite 203, La Plata, MD 20646, USA
Top-rated Waldorf mortgage broker with a perfect 5.0-star rating from 60 reviews.
3720 Leonardtown Rd suite 105, Waldorf, MD 20601, USA
Rated 5.0 stars from 13 Google reviews for exceptional mortgage services in Waldorf.
5010 Regency Pl, White Plains, MD 20695, USA
5.0 stars from 12 Google reviews, reflecting exceptional local client satisfaction.
10665 Stanhaven Pl Suite 300A (Ste 3102, White Plains, MD 20695, USA
Top-rated Waldorf mortgage broker with a perfect 5.0-star score from 9 reviews.
23680 Three Notch Rd, Hollywood, MD 20636, USA
Consistently earns a perfect 5.0-star rating from over a dozen local reviews.
102 Centennial St Suite 101, La Plata, MD 20646, USA
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Mortgage Brokers in Waldorf, MD — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Waterstone Mortgage | 88/100 | 5.0 ★ | 290 |
| 2 | Fairway Independent Mortgage Corporation | 88/100 | 5.0 ★ | 218 |
| 3 | Jeffrey Halbert - First Home Mortgage | 84/100 | 5.0 ★ | 107 |
| 4 | Kelli H. Williams- Geneva Financial | 77/100 | 5.0 ★ | 31 |
| 5 | James FitzGerald Mortgage Loan Officer with FitzGerald Financial Group | 71/100 | 5.0 ★ | 10 |
| 6 | Embrace Home Loans - La Plata, MD | 78/100 | 5.0 ★ | 36 |
| 7 | Fairway Independent Mortgage Corporation - La Plata, MD | 76/100 | 5.0 ★ | 24 |
| 8 | Tim Murphy - AnnieMac Home Mortgage | 81/100 | 5.0 ★ | 60 |
| 9 | Jill Williams with FitzGerald Financial Group | 73/100 | 5.0 ★ | 13 |
| 10 | Diana Rucci Motto Mortgage Preferred | 72/100 | 5.0 ★ | 12 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · July 2026
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Frequently Asked Questions — Mortgage Brokers in Waldorf
What does a mortgage broker do differently than going directly to a bank in Waldorf?
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 Waldorf?
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: July 4, 2026.
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