Call Us: 804-347-5285


Steps to take before applying for a home loan:

  1. Organize your Income
    • Last 2 years W2's and 2 current pay stubs for W2 Wage earners
    • Last 2 years personal and/or business Federal Tax Returns for self-employed or Commissioned borrowers
  2. Organize your Assets
    • Checking and/or Savings account statements for the most recent 2 month period
  3. Organize your Budget
    • Have a list of all outstanding debt and monthly payments
    • Have a general idea of what size mortgage payment will fit comfortably in your budget

Taking care of these items will not only help you move through the mortgage process more efficiently, it will also ensure that you are eligible for the best rates and programs available.


  • Best suited for higher credit scores
  • Finance up to 97% of Purchase Price with a Home Ready mortgage by Fannie Mae or a Home Possible Advantage by Freddie Mac. Home Owner Education Course is required-Can be taken online
  • Low Down Payment that can be a gift from family member
  • Seller can contribute towards closing costs.
  • Refinance available for cash out, home improvement, debt consolidation, divorce buy-out.
  • Loan terms available from 5 to 30 years. 


  • Best suited for borrowers with lower credit scores or higher debt ratios
  • Finance up to 96.5% of purchase price
  • Low down payment can be gift from family member
  • Seller can pay closing costs up to 6% of purchase price towards closing costs
  • Refinance up to 97.75% when paying off existing 2nd mortgage
  • Cash out Refinance available to 85% of market value.


  • Finance up to 100% of the purchase price
  • No down payment required
  • No monthly mortgage insurance
  • Most members of the military, veterans, reservists and National Guard Members are eligible for a VA Loan
  • Cash-out Refinance up to 100% of the market value of your home

USDA-Rural Development

  • Finance up to 100% of the purchase price
  • No down payment required
  • Property must be located in an eligible rural area
  • Household income must meet USDA Requirements-Restrictions apply

Non-Conforming-Bank Statement Program

  • Available for self-employed borrowers that have been self-employed a minimum of 2 years
  • 10% to 20 % down payment required (Dependent on credit score and property type)
  • 12 to 24 months bank statements required for proof of income
  • Other lender requirements apply

Programs are also available for individuals that have lower credit scores, bankruptcy or foreclosure.

Please contact our office today at 804-347-5285 and speak to one of our experienced loan officers.