Local Pros · Silver Spring
Local Mortgage Brokers in Silver Spring, MD
Locally owned and operated mortgage brokers serving Silver Spring and the surrounding area. Supporting local businesses means faster response and accountability.
As of July 2026, RatingsNearMe ranks 17 mortgage brokers in Silver Spring, MD by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Embrace Home Loans - Rockville, MD with a 4.9-star rating from 459 Google reviews and an RNM Score of 87/100. Also in the top tier: Cornerstone First Financial NMLS ID #292897 and Embrace Home Loans - Sandy Spring, MD. The average rating across all listed mortgage brokers in Silver Spring is 4.9 stars from 137 reviews per business on average.
Mortgage brokers in Silver Spring: 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
Chris Jordan Mortgage Team of Main Street Home Loans
This team is consistently top-ranked for its exceptional customer service, local expertise, and high client satisfaction in Silver Spring.
Most Reviewed
Chris Jordan Mortgage Team of Main Street Home Loans
A high number of reviews indicates a proven track record and trust from many past clients, helping you gauge reliability.
When choosing a mortgage broker in Silver Spring, compare loan options and fees across multiple brokers, and prioritize those with strong local reputations and transparent communication.
Local Market Snapshot
17
Businesses listed
4.9★
Avg rating
137
Avg reviews
Jul 4, 2026
Last updated
Top Rated Mortgage Brokers
Top-rated mortgage broker in Silver Spring with 4.9 stars from 459 reviews.
702 King Farm Blvd Suite 250, Rockville, MD 20850, USASilver Spring mortgage broker with a perfect 5.0-star rating from over 240 Google reviews.
2300 Wisconsin Ave NW #100b, Washington, DC 20007, USASilver Spring mortgage broker with a perfect 5.0 rating from over 200 reviews.
508 Olney Sandy Spring Rd Suite 200, Sandy Spring, MD 20860, USAMortgage Brokers Rankings in Silver Spring, MD
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Embrace Home Loans - Rockville, MD702 King Farm Blvd Suite 250, Rockville, MD 20850, USA | 4.9★ | 459 |
| #2 | Cornerstone First Financial NMLS ID #2928972300 Wisconsin Ave NW #100b, Washington, DC 20007, USA | 5.0★ | 245 |
| #3 | Embrace Home Loans - Sandy Spring, MD508 Olney Sandy Spring Rd Suite 200, Sandy Spring, MD 20860, USA | 5.0★ | 220 |
| #4 | Main Street Home Loans, Travis Vollmerhausen NMLS #46350412510 Prosperity Dr #185, Silver Spring, MD 20904, USA | 5.0★ | 14 |
| #5 | MortgageStar, LLC4550 Montgomery Ave Suite 115, Bethesda, MD 20814, USA | 5.0★ | 71 |
| #6 | 1RATE Mortgage12123 Heritage Park Cir, Silver Spring, MD 20906, USA | 5.0★ | 139 |
| #7 | Kerins Associates Inc.13821 Mills Ave, Silver Spring, MD 20904, USA | 5.0★ | 117 |
| #8 | Chris Jordan Mortgage Team of Main Street Home Loans12510 Prosperity Dr #185, Silver Spring, MD 20904, USA | 5.0★ | 112 |
| #9 | Fortis Mortgage7761 Diamondback Dr, College Park, MD 20742, USA | 5.0★ | 124 |
| #10 | Mortgage Experts9500 Medical Center Dr #102, Upper Marlboro, MD 20774, USA | 4.7★ | 53 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Silver Spring
Exceptional 5.0-star rating from 14 Google reviews for a Silver Spring mortgage broker.
12510 Prosperity Dr #185, Silver Spring, MD 20904, USA
Earning a perfect 5.0★ rating from 71 local Google reviews in Silver Spring.
4550 Montgomery Ave Suite 115, Bethesda, MD 20814, USA
Exceptional 5.0-star rating from 139 Google reviews in Silver Spring.
12123 Heritage Park Cir, Silver Spring, MD 20906, USA
5.0-star rating from over one hundred Google reviews in Silver Spring.
13821 Mills Ave, Silver Spring, MD 20904, USA
Silver Spring mortgage broker with a perfect 5.0 rating from over 100 reviews.
12510 Prosperity Dr #185, Silver Spring, MD 20904, USA
Silver Spring mortgage broker with a perfect 5.0★ rating from over 120 reviews.
7761 Diamondback Dr, College Park, MD 20742, USA
Rated 4.7 stars from 53 Google reviews, a trusted local mortgage broker.
9500 Medical Center Dr #102, Upper Marlboro, MD 20774, USA
Consistently rated 5.0 stars from 38 Google reviews in Silver Spring.
12520 Prosperity Dr #105, Silver Spring, MD 20904, USA
Silver Spring mortgage broker with a flawless 5.0-star rating from nearly 30 reviews.
12520 Prosperity Dr #105, Silver Spring, MD 20904, USA
5.0 stars from 23 reviews, reflecting exceptional client satisfaction.
1700 Elton Rd Suite 202, Silver Spring, MD 20903, USA
Rated 5.0 stars from 122 Google reviews, consistently earning top marks from clients.
8401 Connecticut Ave Suite 1100, Chevy Chase, MD 20815, USA
Rated 4.4 stars from over 300 Google reviews, a trusted local mortgage broker.
118 Westminster Pike Suite 200, Reisterstown, MD 21136, USA
Over 130 five-star Google reviews highlight exceptional local mortgage service.
3261 Old Washington Rd STE 1011, Waldorf, MD 20602, USA
5.0 stars from 98 Google reviews in Silver Spring, MD.
7200 Wisconsin Ave #500, Bethesda, MD 20814, USA
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Mortgage Brokers in Silver Spring, MD — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Embrace Home Loans - Rockville, MD | 87/100 | 4.9 ★ | 459 |
| 2 | Cornerstone First Financial NMLS ID #292897 | 88/100 | 5.0 ★ | 245 |
| 3 | Embrace Home Loans - Sandy Spring, MD | 88/100 | 5.0 ★ | 220 |
| 4 | Main Street Home Loans, Travis Vollmerhausen NMLS #463504 | 73/100 | 5.0 ★ | 14 |
| 5 | MortgageStar, LLC | 82/100 | 5.0 ★ | 71 |
| 6 | 1RATE Mortgage | 85/100 | 5.0 ★ | 139 |
| 7 | Kerins Associates Inc. | 84/100 | 5.0 ★ | 117 |
| 8 | Chris Jordan Mortgage Team of Main Street Home Loans | 84/100 | 5.0 ★ | 112 |
| 9 | Fortis Mortgage | 85/100 | 5.0 ★ | 124 |
| 10 | Mortgage Experts | 75/100 | 4.7 ★ | 53 |
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 Silver Spring
What does a mortgage broker do differently than going directly to a bank in Silver Spring?
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 Silver Spring?
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 MD?
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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