Near You · Waldorf
Mortgage Brokers Near You in Waldorf, MD
Find mortgage brokers close to you in Waldorf. All results are sorted by proximity and rated by real local customers.
As of May 2026, RatingsNearMe ranks 12 mortgage brokers in Waldorf, MD by verified customer ratings and review volume. The highest-rated is Waterstone Mortgage with a 5.0-star rating from 290 verified reviews. 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 May 17, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
12
Businesses listed
5★
Avg rating
69
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Waterstone Mortgage
2587 Crain Hwy, Waldorf, MD 20601, USA
Fairway Independent Mortgage Corporation
10665 Stanhaven Pl Suite 103, White Plains, MD 20695, USA
Jeffrey Halbert - First Home Mortgage
3240 Ferry Landing Rd Suite 201, Dunkirk, MD 20754, USA
Mortgage 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 | Tim Murphy - AnnieMac Home Mortgage3720 Leonardtown Rd suite 105, Waldorf, MD 20601, USA | 5.0★ | 60 |
| #5 | Kelli H. Williams- Geneva Financial173 St Patricks Dr #104, Waldorf, MD 20603, USA | 5.0★ | 31 |
| #6 | Embrace Home Loans - La Plata, MD107 Centennial St Ste 100C, La Plata, MD 20646, USA | 5.0★ | 36 |
| #7 | Erin Johnson, Branch Sales Manager First Home Mortgage102 Centennial St Suite 101, La Plata, MD 20646, USA | 5.0★ | 16 |
| #8 | Jill Williams with FitzGerald Financial Group5010 Regency Pl, White Plains, MD 20695, USA | 5.0★ | 13 |
| #9 | Diana Rucci Motto Mortgage Preferred10665 Stanhaven Pl Suite 300A (Ste 3102, White Plains, MD 20695, USA | 5.0★ | 12 |
| #10 | James FitzGerald Mortgage Loan Officer with FitzGerald Financial Group5010 Regency Pl Suite 101, White Plains, MD 20695, USA | 5.0★ | 10 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Waldorf
Tim Murphy - AnnieMac Home Mortgage
3720 Leonardtown Rd suite 105, Waldorf, MD 20601, USA
Kelli H. Williams- Geneva Financial
173 St Patricks Dr #104, Waldorf, MD 20603, USA
Embrace Home Loans - La Plata, MD
107 Centennial St Ste 100C, La Plata, MD 20646, USA
Erin Johnson, Branch Sales Manager First Home Mortgage
102 Centennial St Suite 101, La Plata, MD 20646, USA
Jill Williams with FitzGerald Financial Group
5010 Regency Pl, White Plains, MD 20695, USA
Diana Rucci Motto Mortgage Preferred
10665 Stanhaven Pl Suite 300A (Ste 3102, White Plains, MD 20695, USA
James FitzGerald Mortgage Loan Officer with FitzGerald Financial Group
5010 Regency Pl Suite 101, White Plains, MD 20695, USA
Fairway Independent Mortgage Corporation - La Plata, MD
9375 Chesapeake St Suite 203, La Plata, MD 20646, USA
Mike Derby with FitzGerald Financial Group
23680 Three Notch Rd, Hollywood, MD 20636, USA
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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: May 17, 2026.
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