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Local services · Richmond, VA/Updated June 13, 2026

The Best Mortgage Brokers in Richmond, VA

Finding the right mortgage broker can make all the difference in securing your dream home. Here are the top picks in Richmond.

Editorially independent10 companies evaluated
cover story
★ Editor's ChoiceThe Cowart Team of NFM Lending
96Score
Latest update · June 13, 2026: Initial ranking published. 10 Richmond-metro mortgage brokers businesses evaluated, top 10 ranked by Vetted Score.

In Richmond, VA, securing the right mortgage broker is essential for navigating the complex home financing landscape. With varying rates, terms, and customer service levels, having a trusted broker can ease the process of home buying or refinancing.

We evaluated ten local mortgage brokers based on their ratings, number of reviews, and overall customer satisfaction. Our goal was to highlight those who consistently deliver outstanding service and results, ensuring you can find a reliable partner for your mortgage needs.

10providers evaluated in Richmond
4.96average rating across the field
1.1Kcustomer reviews analyzed

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

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

Our top picks

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

The Cowart Team of NFM Lending

★★★★★5.0(329 reviews)

With a perfect rating of 5 from 329 reviews, The Cowart Team of NFM Lending is praised for its exceptional customer service and dedication to finding the best mortgage solutions.

Read full review
Most Reviewed
95Score

Parks Mortgage Group

★★★★★5.0(223 reviews)

Parks Mortgage Group boasts a 5-star rating from 223 reviews, making it a favorite among Richmond residents.

Read full review
Top Pick
94Score

Blake Bogese, NMLS ID# 1486989

★★★★★5.0(114 reviews)

Blake Bogese has earned a 5-star rating from 114 reviews, praised for his personalized service and extensive mortgage knowledge.

Read full review

All 10, compared

Data as of June 13, 2026
BusinessVetted ScoreGoogle ratingReviewsBest for
1
96Score
5.0★★★★★
329Exceptional customer support and a variety of mortgage options
2
95Score
5.0★★★★★
223Transparent processes and tailored solutions
3
94Score
5.0★★★★★
114Personalized attention and mortgage education
4
93Score
5.0★★★★★
108Bundling real estate and mortgage services
5
92Score
5.0★★★★★
59Attentive service and favorable loan terms
6
89Score
4.9★★★★★
80Professionalism and thorough guidance
7
88Score
4.9★★★★★
54Quick and efficient mortgage processing
8
87Score
4.9★★★★★
47Knowledgeable staff and competitive rates
9
86Score
4.9★★★★★
29Friendly service and clear communication
10
82Score
5.0★★★★★
18Innovative mortgage solutions and flexibility
Methodology

How we evaluated all 10 providers.

Our ranking process involved analyzing customer feedback, star ratings, and the volume of reviews for each broker. We aim to provide unbiased information, as no business pays for placement in our rankings.

We refresh our list monthly to include the latest data, ensuring our recommendations reflect current performance and customer experiences. This way, you can trust that the brokers listed here are the best options available in Richmond.

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

The Cowart Team of NFM Lending

★★★★★5.0(329 reviews)
96Score

With a perfect rating of 5 from 329 reviews, The Cowart Team of NFM Lending is praised for its exceptional customer service and dedication to finding the best mortgage solutions. Clients appreciate their responsiveness and the comprehensive support they provide throughout the mortgage process. However, their strong demand may lead to longer wait times during peak periods.

Pros

  • Excellent customer service
  • Wide range of mortgage products
  • Highly responsive team

Cons

  • Potentially longer wait times during busy periods
Best forExceptional customer support and a variety of mortgage options
Service areaRichmond, VA
Typical pricing$100 to $300 for consultations
2
Most Reviewed

Parks Mortgage Group

★★★★★5.0(223 reviews)
95Score

Parks Mortgage Group boasts a 5-star rating from 223 reviews, making it a favorite among Richmond residents. Reviewers commend their thorough approach and commitment to finding tailored mortgage solutions. They are particularly noted for their transparency in fees and processes. A downside is that they may not have as many specialized loan options as some competitors.

Pros

  • Transparent fee structure
  • Tailored mortgage solutions
  • Excellent communication

Cons

  • Limited specialized loan options
Best forTransparent processes and tailored solutions
Service areaRichmond, VA
Typical pricing$100 to $300 for consultations
3

Blake Bogese, NMLS ID# 1486989

★★★★★5.0(114 reviews)
94Score

Blake Bogese has earned a 5-star rating from 114 reviews, praised for his personalized service and extensive mortgage knowledge. Clients appreciate his ability to simplify the mortgage process and provide clear explanations. However, with a smaller review base, some may find his services promising but unproven compared to larger firms.

Pros

  • Personalized service
  • Extensive mortgage knowledge
  • Simplifies the process

Cons

  • Smaller review base may seem unproven
Best forPersonalized attention and mortgage education
Service areaRichmond, VA
Typical pricing$100 to $300 for consultations

William Schroeder at 804Mortgage has a solid rating of 5 from 108 reviews, highlighting his expertise in bundling real estate and mortgage services. Clients appreciate his holistic approach, which can simplify transactions. A caveat is that some clients report needing to follow up for timely updates, which can be frustrating.

Pros

  • Expert in bundling services
  • Holistic approach
  • Simplifies transactions

Cons

  • Some clients report needing to follow up for updates
Best forBundling real estate and mortgage services
Service areaRichmond, VA
Typical pricing$100 to $300 for consultations
5

James Bowry

★★★★★5.0(59 reviews)
92Score

James Bowry has a perfect 5-star rating from 59 reviews, recognized for his attentive service and ability to secure favorable loan terms. Clients often commend his dedication to their needs. However, with fewer reviews, potential clients might find him less established compared to larger brokers. 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 attentive service and favorable loan terms. It serves Richmond, VA, with $100 to $300 for consultations pricing, and the honest trade-offs are fewer reviews may imply less establishment.

Pros

  • Attentive service
  • Secures favorable loan terms
  • Dedicated to client needs

Cons

  • Fewer reviews may imply less establishment
Best forAttentive service and favorable loan terms
Service areaRichmond, VA
Typical pricing$100 to $300 for consultations
6

MAK Financial Group Inc

★★★★★4.9(80 reviews)
89Score

MAK Financial Group Inc holds a 4.9-star rating from 80 reviews, with clients praising their professionalism and expertise. They are known for providing thorough guidance throughout the mortgage process. A downside is that their service may feel more corporate, lacking the personal touch some clients prefer. 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 professionalism and thorough guidance. It serves Richmond, VA, with $100 to $300 for consultations pricing, and the honest trade-offs are may feel more corporate than personal.

Pros

  • Professional and knowledgeable staff
  • Thorough guidance
  • Reliable service

Cons

  • May feel more corporate than personal
Best forProfessionalism and thorough guidance
Service areaRichmond, VA
Typical pricing$100 to $300 for consultations
7

ALCOVA Mortgage | Richmond, VA

★★★★★4.9(54 reviews)
88Score

ALCOVA Mortgage has a 4.9-star rating from 54 reviews, with many clients appreciating their quick response times and efficient service. They are particularly noted for their competitive rates. However, some clients have reported that their processes can be somewhat rigid, 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 quick and efficient mortgage processing. It serves Richmond, VA, with $100 to $300 for consultations pricing, and the honest trade-offs are processes may feel rigid.

Pros

  • Quick response times
  • Efficient service
  • Competitive rates

Cons

  • Processes may feel rigid
Best forQuick and efficient mortgage processing
Service areaRichmond, VA
Typical pricing$100 to $300 for consultations
8

ALCOVA Mortgage | Richmond, VA

★★★★★4.9(47 reviews)
87Score

The second ALCOVA Mortgage location also enjoys a 4.9-star rating from 47 reviews, celebrated for their knowledgeable staff and solid customer support. Clients often highlight their ability to secure good rates. However, like the other location, some processes can feel inflexible. 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 knowledgeable staff and competitive rates. It serves Richmond, VA, with $100 to $300 for consultations pricing, and the honest trade-offs are processes may feel inflexible.

Pros

  • Knowledgeable staff
  • Solid customer support
  • Good rates

Cons

  • Processes may feel inflexible
Best forKnowledgeable staff and competitive rates
Service areaRichmond, VA
Typical pricing$100 to $300 for consultations
9

Liberty Mortgage Corporation

★★★★★4.9(29 reviews)
86Score

Liberty Mortgage Corporation has a 4.9-star rating from 29 reviews, with customers appreciating their friendly service and willingness to go the extra mile. They are recognized for their approachable staff and clear communication. However, their smaller review base may lead some to question their experience compared to larger firms. 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 friendly service and clear communication. It serves Richmond, VA, with $100 to $300 for consultations pricing, and the honest trade-offs are smaller review base may raise questions.

Pros

  • Friendly service
  • Willingness to help
  • Clear communication

Cons

  • Smaller review base may raise questions
Best forFriendly service and clear communication
Service areaRichmond, VA
Typical pricing$100 to $300 for consultations
10
82Score

The Maverick Mortgage Group Powered By Nexa Mortgage has a 5-star rating from 18 reviews, with clients praising their innovative solutions and flexible options. They are noted for their creative financing strategies. However, their limited review count makes their reliability less certain compared to more established brokers. 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 innovative mortgage solutions and flexibility. It serves Richmond, VA, with $100 to $300 for consultations pricing, and the honest trade-offs are limited review count raises reliability questions.

Pros

  • Innovative solutions
  • Flexible options
  • Creative financing strategies

Cons

  • Limited review count raises reliability questions
Best forInnovative mortgage solutions and flexibility
Service areaRichmond, VA
Typical pricing$100 to $300 for consultations
Before you book

How to choose a mortgage broker in Richmond

Choosing the right mortgage broker is crucial to your home buying experience. Here are key factors to consider when making your decision.

Experience and Credentials

Look for brokers with a strong track record and proper licensing to ensure they are qualified to assist you.

Customer Reviews

Read through customer feedback to gauge the broker's reliability and service quality.

Loan Options Available

Consider brokers that offer a variety of loan products to suit your specific needs.

Communication Style

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

What it costs

What mortgage brokers cost in Richmond

Mortgage broker fees can vary significantly based on the services provided and the complexity of your loan. Here’s what you can typically expect.

Consultation FeesMany brokers offer free consultations, but some may charge fees ranging from $100 to $300.
Commission RatesBroker commissions typically range from 0.5% to 2.5% of the loan amount, depending on the broker and services.
Closing CostsExpect to pay closing costs between $2,000 and $5,000, which may include broker fees.
Monthly PaymentsYour monthly mortgage payment will depend on the loan amount, interest rate, and term; average rates in Richmond hover around 3% to 4%.

Frequently asked questions

How much does mortgage brokers cost in Richmond?

Consultation fees typically range from $100 to $300, with broker commissions around 0.5% to 2.5% of the loan amount.

What should I look for in a mortgage broker?

Look for experience, customer reviews, loan options, and communication style when selecting a broker.

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 Richmond homeowners: The Cowart Team of NFM Lending

For those seeking the best mortgage broker in Richmond, The Cowart Team of NFM Lending stands out for its exceptional service and expertise. With a strong reputation backed by numerous positive reviews, they are an excellent choice. Parks Mortgage Group follows closely with its transparency and tailored solutions, while Blake Bogese offers personalized attention and a commitment to client education, making them top contenders as well.