Best Value · Woodbridge
Affordable Mortgage Brokers in Woodbridge, VA
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As of May 2026, RatingsNearMe ranks 11 mortgage brokers in Woodbridge, VA by verified customer ratings and review volume. The highest-rated is American Financial Network, Inc. with a 4.9-star rating from 268 verified reviews. Also in the top tier: First Residential Mortgage and David G. Bridges Jr., CMB at First Heritage Mortgage. The average rating across all listed mortgage brokers in Woodbridge is 4.8 stars from 61 reviews per business on average.
Mortgage brokers in Woodbridge: 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
11
Businesses listed
4.8★
Avg rating
61
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
American Financial Network, Inc.
3302 Old Bridge Rd #5262, Woodbridge, VA 22192, USA
First Residential Mortgage
1344 N Main St, Blacksburg, VA 24060, USA
David G. Bridges Jr., CMB at First Heritage Mortgage
4300 W Cypress St Ste. 360, Tampa, FL 33607, USA
Mortgage Brokers Rankings in Woodbridge, VA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | American Financial Network, Inc.3302 Old Bridge Rd #5262, Woodbridge, VA 22192, USA | 4.9★ | 268 |
| #2 | First Residential Mortgage1344 N Main St, Blacksburg, VA 24060, USA | 5.0★ | 95 |
| #3 | David G. Bridges Jr., CMB at First Heritage Mortgage4300 W Cypress St Ste. 360, Tampa, FL 33607, USA | 4.9★ | 96 |
| #4 | The Markita Woods Team, Mortgage Lender NMLS #19609917739 Main St, Dumfries, VA 22026, USA | 5.0★ | 16 |
| #5 | Grace Mortgage1364 Old Bridge Rd Unit 101, Woodbridge, VA 22192, USA | 5.0★ | 2 |
| #6 | Commercial Lending USA13000 Harbor Dr Suite 228D, Woodbridge, VA 22192, USA | 4.8★ | 24 |
| #7 | Keystone Funding, Inc.2700 Neabsco Common Pl Suite #101, Woodbridge, VA 22192, USA | 4.8★ | 46 |
| #8 | Mortgage, Bank of America2611 Prince William Pkwy, Woodbridge, VA 22192, USA | 5.0★ | 1 |
| #9 | John Sawall | Fairway Independent Mortgage Corporation Loan Officer3310 Noble Pond Way Suite 207, Woodbridge, VA 22193, USA | — | — |
| #10 | Lendmark Financial Services LLC3109 Golansky Blvd, Woodbridge, VA 22192, USA | 3.8★ | 44 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Woodbridge
The Markita Woods Team, Mortgage Lender NMLS #196099
17739 Main St, Dumfries, VA 22026, USA
Grace Mortgage
1364 Old Bridge Rd Unit 101, Woodbridge, VA 22192, USA
Commercial Lending USA
13000 Harbor Dr Suite 228D, Woodbridge, VA 22192, USA
Keystone Funding, Inc.
2700 Neabsco Common Pl Suite #101, Woodbridge, VA 22192, USA
Mortgage, Bank of America
2611 Prince William Pkwy, Woodbridge, VA 22192, USA
John Sawall | Fairway Independent Mortgage Corporation Loan Officer
3310 Noble Pond Way Suite 207, Woodbridge, VA 22193, USA
Lendmark Financial Services LLC
3109 Golansky Blvd, Woodbridge, VA 22192, USA
Diversified Mortgage Brokers
100 Copley Pl suite d, Lynchburg, VA 24502, USA
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Frequently Asked Questions — Mortgage Brokers in Woodbridge
What does a mortgage broker do differently than going directly to a bank in Woodbridge?
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 Woodbridge?
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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