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Local services · Newport News, VA/Updated June 13, 2026

The Best Mortgage Brokers in Newport News, VA

Navigating the mortgage landscape can be daunting, but these top brokers stand out for their service and expertise.

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

Finding the right mortgage broker can significantly impact your home buying experience. In Newport News, VA, where the housing market is competitive, having a skilled broker can make all the difference in securing favorable loan terms and navigating the complexities of financing.

We evaluated 10 mortgage brokers based on customer reviews, satisfaction ratings, and overall service quality. This ranking reflects our commitment to transparency and providing unbiased insights, ensuring that no business pays for placement.

10providers evaluated in Newport News
4.95average rating across the field
786customer reviews analyzed

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

How much does this service cost in Newport News? See the price breakdown →

Our top picks

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

Atlantic Bay Mortgage Group - Yorktown, VA

★★★★★4.9(270 reviews)

With a stellar rating of 4.9 from 270 reviews, Atlantic Bay Mortgage Group is highly praised for its customer service and knowledgeable staff.

Read full review
Best Value
95Score

Andrew Jordan with TowneBank Mortgage

★★★★★5.0(91 reviews)

Andrew Jordan boasts a perfect 5-star rating from 91 reviews.

Read full review
Most Reviewed
95Score

Patrick Avery | Southern Trust Mortgage

★★★★★5.0(89 reviews)

Patrick Avery holds a perfect 5-star rating with 89 reviews.

Read full review

All 10, compared

Data as of June 13, 2026
BusinessVetted ScoreGoogle ratingReviewsBest for
1
96Score
4.9★★★★★
270Exceptional customer experience
2
95Score
5.0★★★★★
91Tailored mortgage solutions
3
95Score
5.0★★★★★
89Guidance through the mortgage process
4
94Score
5.0★★★★★
63Personalized service
5
93Score
4.9★★★★★
72Efficiency in the mortgage process
6
92Score
5.0★★★★★
47Simplicity and competitive rates
7
91Score
5.0★★★★★
46Thorough mortgage guidance
8
90Score
5.0★★★★★
31Variety of mortgage services
9
88Score
4.8★★★★★
46Competitive rates and efficiency
10
87Score
4.9★★★★★
31Personalized mortgage assistance
Methodology

How we evaluated all 10 providers.

Our evaluation process involved analyzing customer reviews from various platforms, focusing on factors such as responsiveness, expertise, and customer satisfaction. We compiled the data to create a Vetted Score for each broker, ensuring a fair representation of their service quality.

This ranking is updated monthly to reflect the most current review data, ensuring that our findings remain relevant and trustworthy. Our last update was on June 13, 2026, and we strive to keep our information fresh and accurate.

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 - Yorktown, VA

★★★★★4.9(270 reviews)
96Score

With a stellar rating of 4.9 from 270 reviews, Atlantic Bay Mortgage Group is highly praised for its customer service and knowledgeable staff. Clients appreciate the team's responsiveness and ability to simplify the mortgage process. However, some reviews mention occasional delays in closing times, so be prepared for that possibility.

Pros

  • Excellent customer service
  • Highly knowledgeable staff
  • Transparent processes

Cons

  • Possible delays in closing times
  • Limited branch locations
Best forExceptional customer experience
Service areaNewport News, VA
Typical pricing$2,000 to $5,000 for closing costs
2
Best Value

Andrew Jordan with TowneBank Mortgage

★★★★★5.0(91 reviews)
95Score

Andrew Jordan boasts a perfect 5-star rating from 91 reviews. Clients commend his personalized approach and dedication to finding the best mortgage solutions tailored to their needs. Andrew's commitment to communication is also frequently highlighted. However, the limited review base suggests he may be promising but unproven for some clients.

Pros

  • Personalized mortgage solutions
  • Strong communication skills
  • Professional demeanor

Cons

  • Limited review base
  • Availability may vary
Best forTailored mortgage solutions
Service areaNewport News, VA
Typical pricing$2,000 to $4,000 for closing costs
3
Most Reviewed

Patrick Avery | Southern Trust Mortgage

★★★★★5.0(89 reviews)
95Score

Patrick Avery holds a perfect 5-star rating with 89 reviews. Reviewers frequently praise his expertise and ability to guide them through the mortgage process with ease. Patrick is known for his attentiveness and quick responses. Some clients have noted that his office can be busy, which may lead to longer wait times for appointments.

Pros

  • Expert guidance
  • Attentive service
  • Quick responses

Cons

  • Busy office may lead to wait times
  • Limited product offerings
Best forGuidance through the mortgage process
Service areaNewport News, VA
Typical pricing$2,500 to $4,500 for closing costs
4
94Score

Michael Hartnett enjoys a 5-star rating from 63 reviews, with clients praising his friendly demeanor and willingness to go the extra mile. Reviewers appreciate his clarity in explaining mortgage options. However, some have mentioned that his availability can be limited, making scheduling appointments a challenge. 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 service. It serves Newport News, VA, with $2,000 to $4,000 for closing costs pricing, and the honest trade-offs are limited availability and small review base.

Pros

  • Friendly service
  • Clear explanations
  • Dedicated support

Cons

  • Limited availability
  • Small review base
Best forPersonalized service
Service areaNewport News, VA
Typical pricing$2,000 to $4,000 for closing costs
5

M&M Mortgage Team

★★★★★4.9(72 reviews)
93Score

With a rating of 4.9 from 72 reviews, M&M Mortgage Team is well-regarded for its efficient service and knowledgeable staff. Clients appreciate the team's responsiveness and the ease of the mortgage process. A drawback is that some clients reported feeling rushed during consultations, which may not suit everyone. 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 efficiency in the mortgage process. It serves Newport News, VA, with $2,000 to $4,500 for closing costs pricing, and the honest trade-offs are some clients felt rushed and limited product range.

Pros

  • Efficient service
  • Knowledgeable staff
  • Quick responses

Cons

  • Some clients felt rushed
  • Limited product range
Best forEfficiency in the mortgage process
Service areaNewport News, VA
Typical pricing$2,000 to $4,500 for closing costs
6

Arbor Home Loans | Newport News

★★★★★5.0(47 reviews)
92Score

Arbor Home Loans holds a perfect 5-star rating from 47 reviews. Clients commend their friendly service and ability to simplify the mortgage process. They are particularly praised for their competitive rates. However, with fewer reviews, some may find them promising but unproven in terms of reliability. 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 simplicity and competitive rates. It serves Newport News, VA, with $2,000 to $4,000 for closing costs pricing, and the honest trade-offs are limited review base and fewer loan options.

Pros

  • Friendly service
  • Competitive rates
  • Simplified process

Cons

  • Limited review base
  • Fewer loan options
Best forSimplicity and competitive rates
Service areaNewport News, VA
Typical pricing$2,000 to $4,000 for closing costs
7

McKim Beale with TowneBank Mortgage

★★★★★5.0(46 reviews)
91Score

With a perfect 5-star rating from 46 reviews, McKim Beale is praised for his thoroughness and commitment to finding the best mortgage solutions. Clients appreciate his clear communication and dedication. However, the limited number of reviews may leave some potential clients unsure of what to expect. 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 thorough mortgage guidance. It serves Newport News, VA, with $2,500 to $4,500 for closing costs pricing, and the honest trade-offs are limited review base and potentially busy schedule.

Pros

  • Thorough service
  • Clear communication
  • Dedicated support

Cons

  • Limited review base
  • Potentially busy schedule
Best forThorough mortgage guidance
Service areaNewport News, VA
Typical pricing$2,500 to $4,500 for closing costs
8

TowneBank Mortgage

★★★★★5.0(31 reviews)
90Score

TowneBank Mortgage has a strong 5-star rating from 31 reviews. Clients often highlight the bank's reliability and range of services. They appreciate the knowledgeable staff and the variety of mortgage options available. However, some reviews indicate that processing times can be slower than expected. 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 variety of mortgage services. It serves Newport News, VA, with $2,000 to $5,000 for closing costs pricing, and the honest trade-offs are slower processing times and limited branch hours.

Pros

  • Reliable service
  • Knowledgeable staff
  • Variety of mortgage options

Cons

  • Slower processing times
  • Limited branch hours
Best forVariety of mortgage services
Service areaNewport News, VA
Typical pricing$2,000 to $5,000 for closing costs
9

Tidewater Home Funding

★★★★★4.8(46 reviews)
88Score

Tidewater Home Funding has a solid rating of 4.8 from 46 reviews, with clients praising their competitive rates and efficient service. Many appreciate the team's willingness to answer questions and provide guidance throughout the process. However, some clients reported occasional miscommunication, which could be a concern for first-time buyers. 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 competitive rates and efficiency. It serves Newport News, VA, with $2,500 to $4,500 for closing costs pricing, and the honest trade-offs are occasional miscommunication and limited review base.

Pros

  • Competitive rates
  • Efficient service
  • Helpful staff

Cons

  • Occasional miscommunication
  • Limited review base
Best forCompetitive rates and efficiency
Service areaNewport News, VA
Typical pricing$2,500 to $4,500 for closing costs
10
87Score

Homesire Mortgage Company, represented by Jimmy Sgambelluri, scores 4.9 with 31 reviews. Clients appreciate the personalized service and attention to detail. Many highlight the ease of communication and support provided. A downside is the smaller review base, which may leave some potential clients uncertain about the overall reliability. 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 assistance. It serves Newport News, VA, with $2,000 to $4,000 for closing costs pricing, and the honest trade-offs are smaller review base and limited product offerings.

Pros

  • Personalized service
  • Attention to detail
  • Good communication

Cons

  • Smaller review base
  • Limited product offerings
Best forPersonalized mortgage assistance
Service areaNewport News, VA
Typical pricing$2,000 to $4,000 for closing costs
Before you book

How to choose a mortgage broker in Newport News

Choosing the right mortgage broker is essential for a smooth home buying process. Here are key factors to consider when making your selection.

Experience and Reputation

Look for brokers with a solid track record and positive reviews from past clients.

Loan Options Available

Consider brokers who offer a variety of loan products to fit your financial needs.

Communication Style

Choose a broker who communicates clearly and is responsive to your questions.

Fees and Closing Costs

Understand the fees involved and ensure they are competitive in the market.

What it costs

What mortgage services cost in Newport News

The cost of mortgage services can vary widely based on the type of loan and the broker's fees. Here's a general breakdown of what to expect.

Loan Origination FeesTypically range from 0.5% to 1% of the loan amount.
Closing CostsUsually range from $2,000 to $5,000 depending on the loan size.
Prepayment PenaltiesSome lenders may charge fees for paying off a loan early.
Monthly Mortgage InsuranceOften required for loans with less than 20% down payment, varying by lender.

Frequently asked questions

How much does mortgage service cost in Newport News?

Closing costs typically range from $2,000 to $5,000, depending on the loan size and broker fees.

What should I look for in a mortgage broker?

Look for experience, communication style, and the variety of loan options they offer.

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 Newport News homes: Editor's Choice Atlantic Bay Mortgage Group

For those seeking the best mortgage experience in Newport News, Atlantic Bay Mortgage Group stands out for its exceptional customer service and knowledgeable staff. Both Andrew Jordan with TowneBank Mortgage and Patrick Avery also shine with their personalized approaches and dedication to client satisfaction, making them solid choices for any homebuyer.