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We don't have mortgage brokers listed specifically in Winston Salem yet — these top-rated pros from Winston-Salem serve your area and are available for calls and quotes today.
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24-Hour Mortgage Brokers in Winston Salem, NC — Always Available
Emergencies don't keep business hours. These mortgage brokers in Winston Salem are available 24 hours a day, 7 days a week — including holidays.
As of May 2026, RatingsNearMe ranks 20 mortgage brokers in Winston Salem, NC by verified customer ratings and review volume. The highest-rated is Charlie Shelton - Vandyk Mortgage Corporation with a 5.0-star rating from 5 verified reviews. Also in the top tier: John Dillon - VanDyk Mortgage Corporation and Old Country Mortgage Services Inc. The average rating across all listed mortgage brokers in Winston Salem is 5 stars from 90 reviews per business on average.
Mortgage brokers in Winston Salem: 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
20
Businesses listed
5★
Avg rating
90
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Charlie Shelton - Vandyk Mortgage Corporation
1014 Brookstown Ave, Winston-Salem, NC 27101, USA
John Dillon - VanDyk Mortgage Corporation
1014 Brookstown Ave suite b, Winston-Salem, NC 27101, USA
Old Country Mortgage Services Inc
2150 Country Club Rd Ste 248, Winston-Salem, NC 27104, USA
Mortgage Brokers Rankings in Winston Salem, NC
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Charlie Shelton - Vandyk Mortgage Corporation1014 Brookstown Ave, Winston-Salem, NC 27101, USA | 5.0★ | 5 |
| #2 | John Dillon - VanDyk Mortgage Corporation1014 Brookstown Ave suite b, Winston-Salem, NC 27101, USA | 5.0★ | 19 |
| #3 | Old Country Mortgage Services Inc2150 Country Club Rd Ste 248, Winston-Salem, NC 27104, USA | 5.0★ | 3 |
| #4 | Andi Lentz at Prosperity Home Mortgage - Winston Salem110 Oakwood Dr Suite 110, Winston-Salem, NC 27103, USA | 5.0★ | 60 |
| #5 | Karla M Amaya Rivas | Senior Mortgage Banker - NMLS 336441110 Oakwood Dr Suite 540, Winston-Salem, NC 27103, USA | 4.9★ | 51 |
| #6 | Atlantic Bay Mortgage Group - Winston-Salem, NC110 Oakwood Dr Suite 540, Winston-Salem, NC 27103, USA | 4.9★ | 132 |
| #7 | Brian Crewey at Prosperity Home Mortgage - Winston-Salem110 Oakwood Dr #110, Winston-Salem, NC 27103, USA | 4.9★ | 23 |
| #8 | Amy Walker Lawson380 Knollwood St Suite 410, Winston-Salem, NC 27103, USA | 5.0★ | 72 |
| #9 | Mike Bailey | Fairway Independent Mortgage Corporation514 S Stratford Rd, Winston-Salem, NC 27103, USA | 5.0★ | 94 |
| #10 | Bill Reynolds | Fairway Independent Mortgage Corporation SVP Area Manager514 S Stratford Rd Suite 240, Winston-Salem, NC 27103, USA | 5.0★ | 19 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Winston Salem
Andi Lentz at Prosperity Home Mortgage - Winston Salem
110 Oakwood Dr Suite 110, Winston-Salem, NC 27103, USA
Karla M Amaya Rivas | Senior Mortgage Banker - NMLS 336441
110 Oakwood Dr Suite 540, Winston-Salem, NC 27103, USA
Atlantic Bay Mortgage Group - Winston-Salem, NC
110 Oakwood Dr Suite 540, Winston-Salem, NC 27103, USA
Brian Crewey at Prosperity Home Mortgage - Winston-Salem
110 Oakwood Dr #110, Winston-Salem, NC 27103, USA
Amy Walker Lawson
380 Knollwood St Suite 410, Winston-Salem, NC 27103, USA
Mike Bailey | Fairway Independent Mortgage Corporation
514 S Stratford Rd, Winston-Salem, NC 27103, USA
Bill Reynolds | Fairway Independent Mortgage Corporation SVP Area Manager
514 S Stratford Rd Suite 240, Winston-Salem, NC 27103, USA
Wesley Ray Jenkins ll NMLS#102329 Chris Blake Jenkins NMLS #71230 | Fairway Independent Mortgage Corporation
514 S Stratford Rd Suite 240, Winston-Salem, NC 27103, USA
Chris Jenkins NMLS #71230 Wesley Ray Jenkins ll NMLS #102329 Fairway Home Mortgage #2289
514 S Stratford Rd Suite 240, Winston-Salem, NC 27103, USA
Ryan A Reynolds | Fairway Independent Mortgage Corporation Senior Loan Officer
514 S Stratford Rd Suite 240, Winston-Salem, NC 27103, USA
Dawn Hensley
514 S Stratford Rd, Winston-Salem, NC 27103, USA
Fairway Independent Mortgage Corporation
514 S Stratford Rd Suite 240, Winston-Salem, NC 27103, USA
Pam Caldwell at Certainty Home Lending (NMLS #83707)
190 Charlois Blvd Suite 200, Winston-Salem, NC 27103, USA
Certainty Home Lending
190 Charlois Blvd Suite 200, Winston-Salem, NC 27103, USA
Jill Burgess - Ameris Bank Mortgage
3500 Vest Mill Rd Ste 1, Winston-Salem, NC 27103, USA
The Sharpe Mortgage Team - Ashley McKenzie-Sharpe Highlands Residential Mortgage
2098 Frontis Plaza Blvd A, Winston-Salem, NC 27103, USA
Highlands Residential Mortgage
2098 Frontis Plaza Blvd, Winston-Salem, NC 27103, USA
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Frequently Asked Questions — Mortgage Brokers in Winston Salem
What does a mortgage broker do differently than going directly to a bank in Winston Salem?
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 Winston Salem?
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 NC?
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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