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Directory of mortgage lenders in Charlottesville, Virginia. Verify credentials with the state mortgage licensing authority before hiring.
20 agents listed
Updated May 2026
Charlottesville, VA
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the Virginia before hiring.
Showing 20 mortgage lenders in Charlottesville, VA
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Jenna Stiltner - Atlantic Coast Mortgage
1415 Rolkin Ct Suite 302, Charlottesville, VA 22911
4345310719
Atlantic Coast Mortgage - Charlottesville
1415 Rolkin Ct Suite 302, Charlottesville, VA 22911
4344461800
Whit Douglas at First Heritage Mortgage, LLC
404 People Pl STE 303, Charlottesville, VA 22911
4342275101
Ryan Schuett at Prosperity Home Mortgage - Charlottesville
350 Old Ivy Way SUITE 200, Charlottesville, VA 22903
4344227457
Atlantic Bay Mortgage Group - Charlottesville, VA
100 10th St NE UNIT 301, Charlottesville, VA 22902
4343285240
Todd Jenkins - Gray Fox Mortgage, LLC
1135 Rose Hill Dr, Charlottesville, VA 22903
4349876273
Crown Mortgage
2019 Woodbrook Ct Suite 5, Charlottesville, VA 22901
4349755626
Guild Mortgage - Katie Shiers
1939 Commonwealth Dr, Charlottesville, VA 22901
4342600421
GO Mortgage - Charlottesville
2027 Woodbrook Ct, Charlottesville, VA 22901
4349892274
Ben Aliff at First Heritage Mortgage
404 People Pl STE 303, Charlottesville, VA 22911
4349960016
Tammy Wilt, Gray Fox Mortgage LLC
1135 Rose Hill Dr Unit 101, Charlottesville, VA 22903
4342420046
First Heritage Mortgage, LLC - Charlottesville
404 People Pl STE 303, Charlottesville, VA 22911
4342275100
Carleton Garrett
700 Harris St Suite 204, Charlottesville, VA 22903
4344663393
Moe Barros-MBS Mortgage
1 Boars Head Pointe #120, Charlottesville, VA 22903
4343052278
Mahone Mortgage
685 Berkmar Ct, Charlottesville, VA 22901
4342935200
Homestead Funding Corp: Patricia I Madison | NMLS# 162252
300 E Main St Office 223, Charlottesville, VA 22902
9175593659
C&F Mortgage Corp
3920 Lenox Ave, Charlottesville, VA 22901
4349741450
Homestead Funding Corp. – Charlottesville
300 W Main St, Charlottesville, VA 22902
9175593659
Guild Mortgage Company
1939 Commonwealth Dr, Charlottesville, VA 22901
4343275166
Embrace Home Loans - Charlottesville, VA
2300 Commonwealth Dr Suite 202, Charlottesville, VA 22901
4345292075
Charlottesville home buyers and refinancing homeowners can work with local mortgage lenders to secure financing for their property. Virginia law requires lenders to provide a Loan Estimate within three business days of application. Many lenders in Charlottesville offer conventional, FHA, VA, and USDA loans tailored to the local market.
What Does a Mortgage Lender in Charlottesville Cost?
Typical mortgage lender costs in Virginia include an origination fee of 0.5% to 1% of the loan amount, an appraisal fee of $400 to $700, and a credit report fee of $30 to $50. Closing costs in Charlottesville often total 2% to 5% of the purchase price. This is general information, not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What documents do I need to apply for a mortgage in Charlottesville?
You typically need pay stubs, W-2 forms, tax returns, bank statements, and photo ID. Virginia lenders also require a signed purchase agreement and proof of homeowners insurance.
How long does the mortgage process take in Virginia?
The process usually takes 30 to 45 days from application to closing. Virginia law does not set a specific timeline, but lenders must provide a Loan Estimate within three business days of receiving your application.
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BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the Virginia.