Top 3 Mortgage Lenders in Stephens City

First Bank stands as the premier local banking institution with a physical branch right in Stephens City, offering personalized mortgage services with deep community roots. Their mortgage team provides competitive rates and exceptional customer service, specializing in both purchase and refinance loans. With over a century of community banking experience in the Shenandoah Valley, they understand the local real estate market intimately and offer the advantage of local underwriting and decision-making. Customers consistently praise their responsive communication and smooth closing processes.

George Mason Mortgage has been a dominant force in Virginia mortgage lending for over three decades, serving the entire Northern Virginia and Shenandoah Valley region including Stephens City. They consistently receive top marks for their competitive rates, extensive loan program options, and exceptional customer service. As a direct lender, they control the entire lending process in-house, resulting in faster closings and more reliable service. Their experienced loan officers specialize in first-time homebuyer programs, VA loans, and construction lending, with numerous local real estate professionals recommending them for their reliability and expertise.

Atlantic Coast Mortgage has built an outstanding reputation throughout Virginia, including strong service in the Stephens City and Winchester area. They are particularly noted for their innovative loan programs, competitive pricing, and exceptional customer satisfaction ratings. The company specializes in complex loan scenarios and offers unique products like their popular renovation loans. Their team of experienced mortgage professionals provides personalized service with an emphasis on education and transparency throughout the home financing process. Multiple industry awards and hundreds of positive reviews confirm their status as one of Virginia's top mortgage lenders.