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Pricing Guide · Winston Salem
Mortgage Brokers Cost in Winston Salem, NC — 2026 Price Guide
What should you pay for mortgage brokers in Winston Salem? See real 2026 price ranges from local pros and get free quotes to compare.
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 | Wesley Ray Jenkins ll NMLS#102329 Chris Blake Jenkins NMLS #71230 | Fairway Independent Mortgage Corporation514 S Stratford Rd Suite 240, Winston-Salem, NC 27103, USA | — | — |
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
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
Bill Reynolds | Fairway Independent Mortgage Corporation SVP Area Manager
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
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
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
Certainty Home Lending
190 Charlois Blvd Suite 200, Winston-Salem, NC 27103, USA
Pam Caldwell at Certainty Home Lending (NMLS #83707)
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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