25 Years. Thousands of Closings. One Clear Path to Homeownership.
With over two decades in the mortgage world, I’ve helped thousands turn “just looking” into “just closed.” My consultative, no-fluff approach simplifies the complex—and keeps buyers, agents, and everyone else in the loop from start to finish. Based in Charlottesville, VA, I’m here to make your homeownership journey smooth, clear, and stress-free.
Get Your Best Rate Today
The MBS Mortgage Advantage
We’re more than just mortgage brokers—we’re your home buying allies.
Working hand-in-hand with local real estate professionals, we streamline the entire process from pre-approval to closing.
Whether you're buying your first home or your next investment, we’ll guide you every step of the way with clarity, speed, and care.
This isn’t just another transaction. It’s the start of your next chapter—and we’re here to make it seamless.
The Best Mortgage Rates, Customized For You
Have Question? Get Answers. | (434) 326-1138
Unlock the Lowest Mortgage Rates—Without the Headaches
Affordable payments. Tailored loan options. A process that actually moves.
Whether you're buying your first home or your fifth, we’ll help you secure a custom mortgage at a lower rate—fast, clear, and without surprises.
Lower Rates
Reduced monthly payments, making homeownership more affordable
We offer a variety of mortgage options tailored to fit your specific needs
More Options
Disclaimer: All loans are subject to credit and underwriting approval. The programs advertised on this landing page are not a commitmeent or guarantee from MBS Mortgage to lend. Programs, rates and other terms & conditions on this landing page are subject to change without notice.
Mortgage Business Solutions (MBS Mortgage)
NMLS #: 2670009
NMLS #: 2506885
1 Boar's Head Pointe Suite 120
Charlottesville, VA 22903
Cell: (434) 400-8899 | Office: (434) 326-1138 | Fax: (703) 991-8687
Low Rates and Fees
We beat the big banks with competitive pricing—no hidden costs, no surprises.
Lock In A Rate
Skip the rollercoaster of fluctuating rates. Get locked in and buy with confidence.
Direct Lender
No middlemen. Just fast, reliable mortgages—direct from us to you.
Mortgage Advisor
Your dedicated advisor is with you at every step—questions, guidance, peace of mind.
Close in 30 Days
We move fast so you don’t have to stress. 30-day closings are our standard.
Easy Application
No long forms. No endless paperwork. Just a simple process designed for speed.
Get Pre-Approved and Close Your Mortgage in 30 Days!
Fill out the form below & your mortgage advisor will guide you through our easy one step application.
"Laurence got us a great rate on a very complicated refi. His initiative, knowledge, and desire to get us the best loan got us to closing in record time."
Ann Hays
Charlottesville, Virginia
"MBS Mortgage helped me understand the entire loan process from start to finish. They got us the best Mortgage program with the lowest rate."
Armando Gaitan
Charlottesville, Virginia
Clear communication, quick responses and a streamlined process from pre-approval to closing
Fast Process
5-Star Google Rated
MBS Mortgage