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Your Mortgage Lender in Glen Allen VA.

Are you ready to take the leap into owning a home, but not sure where to start? Our knowledgeable and friendly mortgage experts are standing by to help answer all of your questions about the loan process. We want to see you enjoy all the benefits of owning a new home in Glen Allen, and we can make the application process seamless for you.

Mortgage Loan Programs

Every buyer has a different situation, and there are different mortgage loans that could help you by lowering certain costs or getting you a great interest rate. Knowing what your options are is the first step to starting the process of getting a mortgage. When you sit down and talk with us about mortgage lending, we will go over the details of the loans you qualify for.

The most popular loan programs are:
● Federal Housing Authority (FHA)
● Veteran’s Administration (VA)
● Adjustable-Rate Mortgage (ARM)

There is also the conventional loan and programs for first-time buyers that offer excellent benefits like money for your down payment. All of these programs require specific qualifications that must be met, and that’s why it’s important to speak with us first before applying for a mortgage.

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Getting Pre-Qualified for a Mortgage Loan

Getting pre-qualified for a loan is a first step that will give you a clear picture of how much you may be approved for. The pre-qualification process isn’t a contract and won’t give you a fixed rate, but it will help you decide how much home you can afford. It’s also a good way to see if you have any credit issues that need to be fixed before submitting your mortgage application.

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Need Help Crunching The Numbers?

Use our calculators to help you estimate how much you can afford on a new loan or what you could save with a refinance.

The Mortgage Loan Application Process

If there are no problems that need attention after the pre-qualification process and you’re ready for the next part of the loan process, then you’ll complete the loan application. This application is similar to the pre-approval application, but it will ask for more detailed information about your finances, debt, and income.

It’s important that you get the information right the first time. Otherwise, the entire loan packet could be returned and you may have to start over. As you are filling out the loan application you can contact our staff for help with any questions.

Download Our Mobile App

Are you the hands-on type? Get involved with your loan transaction in a whole new way with our powerful, simple to use mobile app.

* Available on iPhone, iPad and all Android devices from 5.5

Loan Processing and Underwriting

When you’ve completed the mortgage application, it’s sent to the loan processor who checks all of the information. If it passes this stage, then the paperwork goes to the underwriter who may request other documents. The kinds of documentation that you may be required to submit are divorce decrees, financial records, or bankruptcy information. If there is a request for documents, then you must submit them as soon as possible to keep the loan process from getting delayed. The property will also be appraised to ensure it meets the loan criteria.

When the underwriter makes the final determination and the loan packet is approved, then you’ll be given a contract to sign with a locked-in mortgage rate. If you accept the terms, you’ll sign the contract and be ready to buy your dream home. You’ll pay the closing costs, and all of the loan and sales paperwork will be completed.

Call us to help get you started on the steps of buying a home in Glen Allen. Whether you’re a first-time buyer or you’re experienced in the real estate market, we can help get you a great rate.

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