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Mortgage Brokers · Virginia Beach, VA/Updated June 13, 2026

The 10 Best Mortgage Brokers in Virginia Beach, VA

Finding the right mortgage broker can save you time and money. This guide highlights the best options in Virginia Beach, tailored to your needs.

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

Choosing a mortgage broker in Virginia Beach is a significant decision that can impact your financial future. With the local market's competitive nature, it's essential to select a broker who understands the unique dynamics of the area, especially with home prices and interest rates fluctuating.

We evaluated 10 mortgage brokers in the Virginia Beach metro area, focusing on customer reviews, ratings, and overall service quality. Our rankings reflect real feedback from clients, ensuring you have access to trustworthy options for your mortgage needs.

10mortgage brokers evaluated in Virginia Beach
4.91average rating across the field
6.2Kcustomer reviews analyzed

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

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

Our top picks

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

Atlantic Bay Mortgage Group - Virginia Beach

★★★★★5.0(2,491 reviews)

With a perfect rating of 5 stars from 2,491 reviews, Atlantic Bay Mortgage Group - Virginia Beach is highly praised for its customer service and streamlined loan processes.

Read full review
Best Value
95Score

First Signature Mortgage, LLC

★★★★★5.0(409 reviews)

First Signature Mortgage, LLC holds a solid 5-star rating from 409 reviews.

Read full review
Most Reviewed
94Score

Tidewater Mortgage Services, Inc. NMLS #: 71158

★★★★★4.9(1,507 reviews)

Tidewater Mortgage Services, Inc.

Read full review

All 10, compared

Data as of June 13, 2026
BusinessVetted ScoreGoogle ratingReviewsBest for
1
96Score
5.0★★★★★
2,491Homebuyers seeking personalized service
2
95Score
5.0★★★★★
409Budget-conscious homebuyers
3
94Score
4.9★★★★★
1,507First-time homebuyers needing guidance
4
92Score
4.9★★★★★
888Clients with unique financial needs
5
91Score
4.9★★★★★
187Veterans and military families
6
90Score
4.9★★★★★
163Homebuyers seeking a friendly experience
7
89Score
4.8★★★★★
368Clients needing quick approvals
8
88Score
4.9★★★★★
102Clients needing customized solutions
9
82Score
4.8★★★★★
76Veterans seeking efficient service
10
80Score
5.0★★★★★
31Individuals seeking a personal touch
Methodology

How we evaluated all 10 mortgage brokers.

To compile this list, we analyzed each broker's Vetted Score, which considers factors like customer satisfaction and the number of reviews. We only included businesses that have established a reputation in the Virginia Beach area, ensuring you’re looking at reliable providers.

No one pays for placement in our rankings. We refresh this list monthly to keep it up-to-date with the latest reviews and ratings, giving you the most accurate information to make 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 - Virginia Beach

★★★★★5.0(2,491 reviews)
96Score

With a perfect rating of 5 stars from 2,491 reviews, Atlantic Bay Mortgage Group - Virginia Beach is highly praised for its customer service and streamlined loan processes. Many reviewers appreciate the knowledgeable staff and the ease of communication throughout the mortgage process. However, the high volume of clients may lead to longer wait times during peak periods.

Pros

  • Outstanding customer service
  • Streamlined application process
  • Highly knowledgeable staff

Cons

  • Potentially longer wait times during busy seasons
  • Limited in-person appointments
Best forHomebuyers seeking personalized service
Service areaVirginia Beach and surrounding areas
Typical pricing$0 to $1,500 in closing costs
2
Best Value

First Signature Mortgage, LLC

★★★★★5.0(409 reviews)
95Score

First Signature Mortgage, LLC holds a solid 5-star rating from 409 reviews. Clients commend their competitive rates and transparency during the mortgage process. They are particularly noted for their flexibility in financing options. However, some clients mention that their online presence could be improved for easier access to information. 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 budget-conscious homebuyers. It serves Virginia Beach and nearby regions, with $500 to $1,200 in closing costs pricing, and the honest trade-offs are limited online resources and fewer physical locations.

Pros

  • Competitive mortgage rates
  • Flexible financing options
  • Transparent processes

Cons

  • Limited online resources
  • Fewer physical locations
Best forBudget-conscious homebuyers
Service areaVirginia Beach and nearby regions
Typical pricing$500 to $1,200 in closing costs
3
Most Reviewed

Tidewater Mortgage Services, Inc. NMLS #: 71158

★★★★★4.9(1,507 reviews)
94Score

Tidewater Mortgage Services, Inc. has an impressive rating of 4.9 stars from 1,507 reviews. Clients highlight their responsiveness and extensive knowledge of loan products. They are recognized for helping clients with various financing needs. However, some reviews indicate that the processing times can vary, which might affect urgent applications. 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 needing guidance. It serves Virginia Beach and surrounding areas, with $300 to $1,000 in closing costs pricing, and the honest trade-offs are variable processing times and occasional communication delays.

Pros

  • Highly responsive staff
  • Wide range of loan products
  • Good for first-time buyers

Cons

  • Variable processing times
  • Occasional communication delays
Best forFirst-time homebuyers needing guidance
Service areaVirginia Beach and surrounding areas
Typical pricing$300 to $1,000 in closing costs
4

CMS Mortgage Solutions, Inc.

★★★★★4.9(888 reviews)
92Score

CMS Mortgage Solutions, Inc. has a strong 4.9-star rating with 888 reviews. Clients appreciate their attentive service and willingness to customize mortgage solutions. They are particularly adept at working with clients who have unique financial situations. However, some feedback suggests that their response times could improve 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 clients with unique financial needs. It serves Virginia Beach area, with $400 to $1,200 in closing costs pricing, and the honest trade-offs are response times can lag during busy times and limited availability of online tools.

Pros

  • Personalized mortgage solutions
  • Attentive customer service
  • Good for unique financial situations

Cons

  • Response times can lag during busy times
  • Limited availability of online tools
Best forClients with unique financial needs
Service areaVirginia Beach area
Typical pricing$400 to $1,200 in closing costs
5

VA Choice Home Mortgage Inc.

★★★★★4.9(187 reviews)
91Score

VA Choice Home Mortgage Inc. holds a 4.9-star rating from 187 reviews. Clients value their specialization in VA loans and the support they provide to veterans. Their knowledge in this niche makes them a sought-after option for military families. However, the smaller review base suggests they are still building their reputation.

Pros

  • Specialized in VA loans
  • Strong support for veterans
  • Knowledgeable staff

Cons

  • Smaller client base
  • Limited general loan options
Best forVeterans and military families
Service areaVirginia Beach and nearby areas
Typical pricing$0 to $1,500 in closing costs
6

Atlantic Coast Mortgage - Virginia Beach

★★★★★4.9(163 reviews)
90Score

Atlantic Coast Mortgage has a strong rating of 4.9 stars from 163 reviews. Clients commend their friendly and knowledgeable staff, as well as their efficient loan processes. They are a solid choice for those looking for reliable mortgage services. However, their review count is lower than some competitors, indicating a less established presence.

Pros

  • Friendly and knowledgeable staff
  • Efficient loan processing
  • Good customer service

Cons

  • Lower review count compared to others
  • Limited online tools
Best forHomebuyers seeking a friendly experience
Service areaVirginia Beach and surrounding areas
Typical pricing$300 to $1,200 in closing costs
7

Southern Trust Mortgage, LLC

★★★★★4.8(368 reviews)
89Score

Southern Trust Mortgage, LLC has a solid 4.8-star rating from 368 reviews. Clients appreciate their straightforward approach and ease of communication. They are particularly favored for their fast turnaround times on loans. However, some customers have mentioned occasional issues with follow-up after initial contact. 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 clients needing quick approvals. It serves Virginia Beach and nearby areas, with $500 to $1,500 in closing costs pricing, and the honest trade-offs are occasional follow-up issues and limited loan product offerings.

Pros

  • Straightforward communication
  • Fast turnaround times
  • Good for quick approvals

Cons

  • Occasional follow-up issues
  • Limited loan product offerings
Best forClients needing quick approvals
Service areaVirginia Beach and nearby areas
Typical pricing$500 to $1,500 in closing costs
8

United Atlantic Mortgage

★★★★★4.9(102 reviews)
88Score

United Atlantic Mortgage has a 4.9-star rating from 102 reviews. Clients note their personalized approach and willingness to work with various financial situations. They are a good option for those needing tailored mortgage solutions. However, the smaller review base suggests they may still be developing their client relationships. 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 clients needing customized solutions. It serves Virginia Beach area, with $400 to $1,000 in closing costs pricing, and the honest trade-offs are smaller review base and less visibility in the market.

Pros

  • Personalized service
  • Willingness to work with unique situations
  • Good customer rapport

Cons

  • Smaller review base
  • Less visibility in the market
Best forClients needing customized solutions
Service areaVirginia Beach area
Typical pricing$400 to $1,000 in closing costs
9

VA Wholesale Mortgage

★★★★★4.8(76 reviews)
82Score

VA Wholesale Mortgage has a solid 4.8-star rating from 76 reviews. They are recognized for their expertise in VA loans and competitive pricing. Clients appreciate their efficiency in closing deals. However, the limited number of reviews suggests they are newer to the market and may still be building their reputation.

Pros

  • Expertise in VA loans
  • Competitive pricing
  • Efficient closing process

Cons

  • Limited number of reviews
  • Newer in the market
Best forVeterans seeking efficient service
Service areaVirginia Beach and surrounding areas
Typical pricing$0 to $1,200 in closing costs
10

Nate D. Allen - VA Wholesale Mortgage

★★★★★5.0(31 reviews)
80Score

Nate D. Allen - VA Wholesale Mortgage has a perfect 5-star rating from 31 reviews. Clients highlight his personal touch and dedication to finding the best mortgage solutions. He is especially noted for his one-on-one service. However, the small review base makes it difficult to gauge overall performance reliably. 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 individuals seeking a personal touch. It serves Virginia Beach area, with $300 to $1,000 in closing costs pricing, and the honest trade-offs are very small review base and less visibility compared to larger firms.

Pros

  • Personalized service
  • Dedicated to client needs
  • Strong rapport with clients

Cons

  • Very small review base
  • Less visibility compared to larger firms
Best forIndividuals seeking a personal touch
Service areaVirginia Beach area
Typical pricing$300 to $1,000 in closing costs
Before you book

How to choose a mortgage broker in Virginia Beach

Selecting a mortgage broker is more than just looking at ratings. Ask the right questions to find the best fit for your financial situation.

What loan options do you offer?

Understanding the variety of loan products available can help you secure the best terms for your situation.

How do you communicate with clients?

Clear communication is key. Ensure the broker is responsive and keeps you informed throughout the process.

What are your fees?

Ask about all potential costs upfront to avoid surprises later on. Transparency is crucial in this industry.

What it costs

What mortgage brokers cost in Virginia Beach

The cost of hiring a mortgage broker varies based on services provided. Here's what you can expect in the Virginia Beach market.

Basic Consultation$0 to $200 for initial meetings and assessments.
Loan Application Assistance$300 to $600 for help with completing and submitting your loan application.
Full Brokerage Services$1,000 to $3,000, which may include comprehensive support throughout the mortgage process.
Additional FeesExpect potential additional costs for credit checks or processing fees, typically ranging from $50 to $500.

Frequently asked questions

How much does mortgage brokerage cost in Virginia Beach?

The cost of mortgage brokerage services in Virginia Beach can vary, but typical fees range from 0.5% to 2% of the loan amount, depending on the complexity of the transaction and the broker's experience.

What is the average mortgage rate in Virginia Beach?

As of now, average mortgage rates in Virginia Beach hover around 3.5% to 4.0%, but rates can fluctuate based on market conditions and individual credit profiles.

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 Virginia Beach homeowners: <strong>Atlantic Bay Mortgage Group - Virginia Beach</strong>

If you want the best overall service, choose Atlantic Bay Mortgage Group - Virginia Beach. With a perfect 5-star rating from 2,491 reviews, they lead the pack. For those who prefer a smaller firm with personalized attention, First Signature Mortgage, LLC is a solid alternative, especially if you appreciate a one-on-one experience, with a 5-star rating from 409 reviews. If you’re looking for a well-rated option with a strong focus on VA loans, Tidewater Mortgage Services, Inc. NMLS #: 71158, rated 4.9 from 1,507 reviews, is an excellent choice.