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Richmond Home Loans & Mortgage Lender

Finding your dream house is only the beginning of the journey to homeownership. Christensen Financial (CFI) is Richmond’s leading mortgage company, with a wealth of experience providing matching qualified home buyers with the right mortgage lending solutions.

Buying a new house is an exciting but sometimes scary process, and our specialists are experts at helping customers secure loans and understand what’s going on every step of the way.

Why Pre-Qualify?

Pre-qualification is an excellent way to discover where you stand. Essential information like your current credit score, obligations, and income will give a loan officer the information needed to determine your loan eligibility.

We’ll take a look at special situations that may help you qualify for special mortgage programs, including:

  • First-time homebuyers – If this is your first home, you may qualify for special financing, including lower interest rates and less money required for a down payment.
  • Military veterans – Various VA programs exist to aid military veterans with purchasing a home. Find out which one you qualify for fast. You may even be able to get a loan with no down payment.

It’s an excellent time right now to buy a house, especially if you qualify for low fixed rates. The best way to find out is by pre-qualifying.

This is the right time to put together your pay stubs, W2s, and other vital information that will be needed in both the pre-qualification and mortgage application processes.

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Steps in the Home Loan Process

Our experienced loan officers are happy to guide you through the entire mortgage process, one step at a time. Enjoy a stress-free lending process, knowing you’re in excellent hands for your new loan.

You can apply online if you like, or you may decide to speak with us first. Either way, we’ll get an answer for you fast.

The mortgage loan process follows these steps:

  • Start with pre-qualification.
  • Choose the best mortgage program and rates.
  • Fill out your application.
  • Submit any required documents.

We run credit reports for final approval, and all appraisals and estimates happen first. Keep in mind that your application goes through underwriting. Once approved, the closing happens.

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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.

What Kinds of Loans Does CFI Offer in Richmond?

CFI offers a diverse range of loans in Richmond, Virginia. We have loans with fixed rates for qualified borrowers. Whether you’re making a home purchase or you need to refinance, there are loan programs available to help.

Consider our programs, and discover the one that’s right for you. Our options include:

  • Home improvement loans
  • Refinancing
  • First-time homebuyer loans
  • Reverse mortgages
  • Home purchase
  • Government loans such as VA and USDA home loans
  • Jumbo loans and more

There’s a program for everyone, and some of them have additional benefits. We can help you decide which mortgage product is best for you.

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
CFI Mobile App

A Less Stressful Mortgage Application Process

We believe that applying for a home loan doesn’t have to cause stress. Our team understands the Richmond, VA market, and we know what it takes to gain approval. Don’t hesitate to contact us for help to find out which loan is best for your situation.

When you need a loan, nothing beats personal attention. That’s the precise solution we provide at CFI. Our primary aim is to reduce paperwork and complexity so that the mortgage application process is straightforward and accessible to all.

Purchasing a new home or refinancing an existing one in the Richmond area is no longer a challenge. Contact CFI today, and begin your journey to homeownership.

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