Top Picks · Woodbridge
Best Mortgage Brokers in Woodbridge, VA
Rated and reviewed by real customers. Compare prices, read reviews, and call the top pros near you — for free.
As of July 2026, RatingsNearMe ranks 11 mortgage brokers in Woodbridge, VA by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is American Financial Network, Inc. with a 4.9-star rating from 268 Google reviews and an RNM Score of 87/100. 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 July 4, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
Mortgage, Bank of America
As a top-ranked institution, Bank of America offers extensive resources and a wide network, making it a reliable choice for mortgage clients.
Most Reviewed
American Financial Network, Inc.
A high review count indicates a broad base of customer experiences, providing more reliable feedback for potential clients.
Consider comparing multiple brokers for rates and fees, and verify each lender's licensing and customer service reputation before committing.
Local Market Snapshot
11
Businesses listed
4.8★
Avg rating
61
Avg reviews
Jul 4, 2026
Last updated
Top Rated Mortgage Brokers
Woodbridge mortgage broker with a 4.9-star rating from 268 Google reviews.
3302 Old Bridge Rd #5262, Woodbridge, VA 22192, USAWoodbridge mortgage broker with a perfect 5.0-star rating from 95 Google reviews.
1344 N Main St, Blacksburg, VA 24060, USARated 4.9 stars from 96 Google reviews, this Woodbridge broker is highly trusted.
4300 W Cypress St Ste. 360, Tampa, FL 33607, USAMortgage 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 | Keystone Funding, Inc.2700 Neabsco Common Pl Suite #101, Woodbridge, VA 22192, USA | 4.8★ | 46 |
| #5 | The Markita Woods Team, Mortgage Lender NMLS #19609917739 Main St, Dumfries, VA 22026, USA | 5.0★ | 16 |
| #6 | Grace Mortgage1364 Old Bridge Rd Unit 101, Woodbridge, VA 22192, USA | 5.0★ | 2 |
| #7 | Mortgage, Bank of America2611 Prince William Pkwy, Woodbridge, VA 22192, USA | 5.0★ | 1 |
| #8 | John Sawall | Fairway Independent Mortgage Corporation Loan Officer3310 Noble Pond Way Suite 207, Woodbridge, VA 22193, USA | — | — |
| #9 | Lendmark Financial Services LLC3109 Golansky Blvd, Woodbridge, VA 22192, USA | 3.8★ | 44 |
| #10 | Commercial Lending USA13000 Harbor Dr Suite 228D, Woodbridge, VA 22192, USA | 4.8★ | 24 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Woodbridge
Woodbridge mortgage broker with a 4.8-star rating from 46 reviews.
2700 Neabsco Common Pl Suite #101, Woodbridge, VA 22192, USA
Rated 5.0 stars from 16 reviews, this Woodbridge mortgage broker is highly trusted.
17739 Main St, Dumfries, VA 22026, USA
Exceptional 5.0-star rating from a couple of Google reviews.
1364 Old Bridge Rd Unit 101, Woodbridge, VA 22192, USA
5.0-star rating from a handful of local Google reviews.
2611 Prince William Pkwy, Woodbridge, VA 22192, USA
A new mortgage broker in Woodbridge, VA, with no customer reviews yet.
3310 Noble Pond Way Suite 207, Woodbridge, VA 22193, USA
A trusted Woodbridge mortgage broker with 3.8 stars from 44 client reviews.
3109 Golansky Blvd, Woodbridge, VA 22192, USA
Woodbridge mortgage broker with a 4.8-star rating from 24 local reviews.
13000 Harbor Dr Suite 228D, Woodbridge, VA 22192, USA
Woodbridge mortgage broker with a perfect 5.0 rating across 15 reviews.
100 Copley Pl suite d, Lynchburg, VA 24502, USA
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Mortgage Brokers in Woodbridge, VA — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | American Financial Network, Inc. | 87/100 | 4.9 ★ | 268 |
| 2 | First Residential Mortgage | 83/100 | 5.0 ★ | 95 |
| 3 | David G. Bridges Jr., CMB at First Heritage Mortgage | 81/100 | 4.9 ★ | 96 |
| 4 | Keystone Funding, Inc. | 76/100 | 4.8 ★ | 46 |
| 5 | The Markita Woods Team, Mortgage Lender NMLS #196099 | 74/100 | 5.0 ★ | 16 |
| 6 | Grace Mortgage | 64/100 | 5.0 ★ | 2 |
| 7 | Mortgage, Bank of America | 62/100 | 5.0 ★ | 1 |
| 8 | John Sawall | Fairway Independent Mortgage Corporation Loan Officer | 3/100 | — | 0 |
| 9 | Lendmark Financial Services LLC | 59/100 | 3.8 ★ | 44 |
| 10 | Commercial Lending USA | 72/100 | 4.8 ★ | 24 |
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 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: July 4, 2026.
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