CityVettedCityvetted
Independent. Never pay-to-play.
Mortgage Brokers · Chesapeake, VA/Updated June 13, 2026

The 10 Best Mortgage Brokers in Chesapeake, VA

Finding the right mortgage broker can be daunting. This guide highlights the best options in Chesapeake to simplify your search.

Editorially independent10 companies evaluated
cover story
★ Editor's ChoiceAtlantic Bay Mortgage Group
96Score
Latest update · June 13, 2026: Initial ranking published. 10 Chesapeake-metro mortgage brokers businesses evaluated, top 10 ranked by Vetted Score.

Choosing a mortgage broker is a critical step in the home buying process, especially in Chesapeake's competitive housing market. With a mix of established leaders and promising newcomers, the right broker can save you time and money while guiding you through complex financial waters.

To create this list, we evaluated ten mortgage brokers in the Chesapeake area, focusing on their ratings, reviews, and overall customer satisfaction. Our rankings reflect real customer experiences, ensuring you have reliable options at your fingertips.

10mortgage brokers evaluated in Chesapeake
4.96average rating across the field
973customer reviews analyzed

Cityvetted analysis of public Google review data, updated June 13, 2026.

How much does mortgage brokers cost in Chesapeake? See the price breakdown →

Our top picks

At a glance · three categories
★ Editor's Choice
96Score

Atlantic Bay Mortgage Group

★★★★★5.0(301 reviews)

With a perfect 5-star rating from 301 reviews, Atlantic Bay Mortgage Group excels in customer service and responsiveness.

Read full review
Best Value
95Score

Briggs Team Lending - Taylor Briggs

★★★★★5.0(160 reviews)

Briggs Team Lending, rated 5 stars on 160 reviews, is often praised for its competitive rates and personalized service.

Read full review
Most Reviewed
94Score

The Broker - Mortgage Experts

★★★★★5.0(125 reviews)

The Broker - Mortgage Experts holds a 5-star rating from 125 reviews, with clients frequently mentioning their transparency and extensive knowledge of the mortgage market.

Read full review

All 10, compared

Data as of June 13, 2026
BusinessVetted ScoreGoogle ratingReviewsBest for
1
96Score
5.0★★★★★
301First-time homebuyers
2
95Score
5.0★★★★★
160Competitive mortgage rates
3
94Score
5.0★★★★★
125Guidance through complex loans
4
92Score
5.0★★★★★
103First-time buyers seeking guidance
5
91Score
4.9★★★★★
96Fast loan processing
6
90Score
5.0★★★★★
61Hands-on mortgage assistance
7
89Score
5.0★★★★★
49Personalized mortgage solutions
8
88Score
5.0★★★★★
42Clients needing clear guidance
9
82Score
5.0★★★★★
22Personalized service
10
78Score
4.7★★★★★
14Reliable mortgage service
Methodology

How we evaluated all 10 mortgage brokers.

Our evaluation process involved assessing each mortgage broker's Vetted Score based on customer reviews and ratings. We considered factors like service quality, responsiveness, and expertise in the local market. No broker pays for placement in our rankings, guaranteeing an unbiased selection.

We refresh our listings monthly to account for new reviews and changes in broker performance. This ensures you receive the most current and accurate information when making your decision.

The Vetted Score: six weighted factors

Customer sentiment25%
Rating quality20%
Review volume & velocity20%
Website trust signals15%
Service breadth10%
Business longevity10%

Sentiment is measured by AI analysis of review text, recency-weighted, with verified-pattern checks to discount suspicious review bursts.

Full reviews

The rankings · in order
1
★ Editor's Choice

Atlantic Bay Mortgage Group

★★★★★5.0(301 reviews)
96Score

With a perfect 5-star rating from 301 reviews, Atlantic Bay Mortgage Group excels in customer service and responsiveness. Clients often highlight their knowledgeable staff and streamlined process, making it an excellent choice for first-time homebuyers. However, some users note that wait times can be longer during peak periods. A review base that deep is hard to game, and the score barely moves across it, which is the clearest consistency signal we track. Most of what reviewers hire it for is first-time homebuyers. It serves Chesapeake, VA, with $1,000 to $3,000 in closing costs pricing, and the honest trade-offs are potential for longer wait times and limited branch locations.

Pros

  • Excellent customer service
  • Experienced team
  • Streamlined mortgage process

Cons

  • Potential for longer wait times
  • Limited branch locations
Best forFirst-time homebuyers
Service areaChesapeake, VA
Typical pricing$1,000 to $3,000 in closing costs
2
Best Value

Briggs Team Lending - Taylor Briggs

★★★★★5.0(160 reviews)
95Score

Briggs Team Lending, rated 5 stars on 160 reviews, is often praised for its competitive rates and personalized service. Clients appreciate the team's dedication to finding the best loan options tailored to individual needs. A downside is that their smaller size may limit some product offerings compared to larger firms.

Pros

  • Competitive rates
  • Personalized service
  • Strong local reputation

Cons

  • Limited product offerings
  • Smaller team size
Best forCompetitive mortgage rates
Service areaChesapeake, VA
Typical pricing$1,200 to $2,800 in closing costs
3
Most Reviewed

The Broker - Mortgage Experts

★★★★★5.0(125 reviews)
94Score

The Broker - Mortgage Experts holds a 5-star rating from 125 reviews, with clients frequently mentioning their transparency and extensive knowledge of the mortgage market. They excel at guiding clients through complex loan processes. However, some reviews indicate that communication could improve during busy times. That is a substantial body of feedback for a local operator, enough to trust the rating rather than credit a lucky streak. Most of what reviewers hire it for is guidance through complex loans. It serves Chesapeake, VA, with $1,000 to $3,000 in closing costs pricing, and the honest trade-offs are communication issues during peak times and limited availability.

Pros

  • Transparent pricing
  • Extensive market knowledge
  • Good guidance through processes

Cons

  • Communication issues during peak times
  • Limited availability
Best forGuidance through complex loans
Service areaChesapeake, VA
Typical pricing$1,000 to $3,000 in closing costs
4
92Score

Shikma Rubin has a 5-star rating from 103 reviews, with clients appreciating her friendly approach and expertise. She is particularly noted for her ability to simplify the mortgage process for first-time buyers. However, her availability may sometimes be limited due to her growing client base. That is a substantial body of feedback for a local operator, enough to trust the rating rather than credit a lucky streak. Most of what reviewers hire it for is first-time buyers seeking guidance. It serves Chesapeake, VA, with $1,000 to $2,500 in closing costs pricing, and the honest trade-offs are limited availability and growing client base might affect response time.

Pros

  • Friendly and approachable
  • Expertise in first-time buying
  • Simplifies mortgage processes

Cons

  • Limited availability
  • Growing client base might affect response time
Best forFirst-time buyers seeking guidance
Service areaChesapeake, VA
Typical pricing$1,000 to $2,500 in closing costs
5

Tidewater Home Funding

★★★★★4.9(96 reviews)
91Score

Tidewater Home Funding has a strong 4.9-star rating from 96 reviews, with clients often highlighting their quick turnaround times and knowledgeable staff. They are well-regarded for their support during the loan application process. Some clients mention that their communication could be more proactive. That is a substantial body of feedback for a local operator, enough to trust the rating rather than credit a lucky streak. Most of what reviewers hire it for is fast loan processing. It serves Chesapeake, VA, with $1,000 to $2,800 in closing costs pricing, and the honest trade-offs are communication could be more proactive and some complaints about follow-up.

Pros

  • Quick turnaround times
  • Knowledgeable staff
  • Good support during applications

Cons

  • Communication could be more proactive
  • Some complaints about follow-up
Best forFast loan processing
Service areaChesapeake, VA
Typical pricing$1,000 to $2,800 in closing costs
6

Vantage Point Mortgage

★★★★★5.0(61 reviews)
90Score

Vantage Point Mortgage holds a 5-star rating from 61 reviews, with clients appreciating their attentive service and thorough explanations of mortgage options. They are particularly good for clients who prefer a hands-on approach. However, they lack the extensive resources of larger firms. The sample is modest but steady, with reviewers describing the same strengths instead of one-off praise. Most of what reviewers hire it for is hands-on mortgage assistance. It serves Chesapeake, VA, with $1,000 to $2,500 in closing costs pricing, and the honest trade-offs are limited resources compared to larger firms and smaller team may affect response time.

Pros

  • Attentive service
  • Thorough explanations
  • Good for hands-on clients

Cons

  • Limited resources compared to larger firms
  • Smaller team may affect response time
Best forHands-on mortgage assistance
Service areaChesapeake, VA
Typical pricing$1,000 to $2,500 in closing costs
7

C&F Mortgage Corp

★★★★★5.0(49 reviews)
89Score

C&F Mortgage Corp has a 5-star rating from 49 reviews, with customers highlighting their ease of communication and personalized services. They are well-suited for those looking for tailored mortgage solutions. Some clients feel that the company could improve its online tools and resources. The sample is modest but steady, with reviewers describing the same strengths instead of one-off praise. Most of what reviewers hire it for is personalized mortgage solutions. It serves Chesapeake, VA, with $1,000 to $2,500 in closing costs pricing, and the honest trade-offs are online tools could improve and fewer digital resources available.

Pros

  • Ease of communication
  • Personalized services
  • Tailored mortgage solutions

Cons

  • Online tools could improve
  • Fewer digital resources available
Best forPersonalized mortgage solutions
Service areaChesapeake, VA
Typical pricing$1,000 to $2,500 in closing costs
8

Marcie Ellis Richard at CrossCountry Mortgage

★★★★★5.0(42 reviews)
88Score

Marcie Ellis Richard at CrossCountry Mortgage has a 5-star rating from 42 reviews, with clients often praising her for her responsiveness and willingness to answer questions. She is particularly good for clients who need clear guidance. However, a few reviews mention delays in processing times. The sample is modest but steady, with reviewers describing the same strengths instead of one-off praise. Most of what reviewers hire it for is clients needing clear guidance. It serves Chesapeake, VA, with $1,000 to $2,500 in closing costs pricing, and the honest trade-offs are processing delays reported and limited loan options compared to larger lenders.

Pros

  • Responsive and available
  • Clear guidance
  • Good for answering questions

Cons

  • Processing delays reported
  • Limited loan options compared to larger lenders
Best forClients needing clear guidance
Service areaChesapeake, VA
Typical pricing$1,000 to $2,500 in closing costs
9

Joe Kersey

★★★★★5.0(22 reviews)
82Score

Joe Kersey has a 5-star rating from 22 reviews, with clients appreciating his personable approach and dedication to finding the right mortgage solutions. He is a good choice for those who value a personal touch. However, with fewer reviews, his services are still considered promising but unproven. The review base is still thin, so we read the rating as promising rather than proven and weighted it accordingly. Most of what reviewers hire it for is personalized service. It serves Chesapeake, VA, with $1,000 to $2,500 in closing costs pricing, and the honest trade-offs are fewer reviews and still unproven compared to larger firms.

Pros

  • Personable approach
  • Dedication to clients
  • Focus on finding the right solutions

Cons

  • Fewer reviews
  • Still unproven compared to larger firms
Best forPersonalized service
Service areaChesapeake, VA
Typical pricing$1,000 to $2,500 in closing costs
10

Guild Mortgage - Kaye Dickerson

★★★★★4.7(14 reviews)
78Score

Guild Mortgage - Kaye Dickerson has a 4.7-star rating from 14 reviews, with clients noting her professionalism and thoroughness. She is suitable for clients looking for reliable service. However, the limited number of reviews makes it hard to gauge her overall performance. The review base is still thin, so we read the rating as promising rather than proven and weighted it accordingly. Most of what reviewers hire it for is reliable mortgage service. It serves Chesapeake, VA, with $1,000 to $2,500 in closing costs pricing, and the honest trade-offs are limited reviews and less visibility in the market.

Pros

  • Professional and thorough
  • Reliable service

Cons

  • Limited reviews
  • Less visibility in the market
Best forReliable mortgage service
Service areaChesapeake, VA
Typical pricing$1,000 to $2,500 in closing costs
Before you book

How to choose a mortgage broker in Chesapeake

Selecting the right mortgage broker can be overwhelming. Here are key questions to ask potential brokers to help you make an informed choice.

What are your fees and rates?

Understanding the cost structure is essential. Ask about any additional fees beyond interest rates.

What is your experience with local markets?

A broker familiar with Chesapeake can provide insights into local lending practices and housing trends.

How do you communicate with clients?

Effective communication is crucial. Ensure your broker has a clear plan for keeping you informed throughout the process.

What it costs

What mortgage brokers cost in Chesapeake

Mortgage broker fees can vary based on the lender and the complexity of your loan. Here’s a breakdown of typical costs in Chesapeake.

Basic ServicesExpect fees ranging from $1,000 to $3,000 for basic brokerage services.
Full-Service BrokerageComprehensive services may cost between $3,000 and $5,000, depending on the loan size.
Consultation FeesSome brokers charge hourly consultation fees, typically $150 to $300 per hour.
Commission on ClosingBrokers often earn a commission of 1% to 2% of the loan amount at closing.

Frequently asked questions

How much does a mortgage broker cost in Chesapeake?

Most mortgage brokers in Chesapeake do not charge upfront fees, as they typically earn commissions from lenders. However, you may encounter fees for specific services, which can vary.

What is the average rating for mortgage brokers in Chesapeake?

The average rating among the top mortgage brokers in Chesapeake is about 4.8 stars, with a combined total of 973 reviews across the evaluated businesses.

How often is this ranking updated?

We re-run the full analysis monthly with fresh review data. Last updated June 13, 2026.

Our verdict

For most Chesapeake homebuyers: <strong>Atlantic Bay Mortgage Group</strong>

If you're looking for the best mortgage broker in Chesapeake, Atlantic Bay Mortgage Group is the clear choice. With 5 stars from 301 reviews, they offer a proven track record of client satisfaction. For those who want a personal touch, Briggs Team Lending - Taylor Briggs, also rated 5 stars but with 160 reviews, is an excellent alternative. They may provide a more tailored experience. If you prefer a focus on specialized mortgage products, consider The Broker - Mortgage Experts, who have 125 reviews and a strong reputation for expertise.