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Virginia Mortgage Services
is one of the top mortgage brokers in Virginia and maintains offices throughout
Virginia. As a mortgage broker, we maintain relationships with over 200 mortgage lenders. The main difference between mortgage brokers and mortgage lenders or direct mortgage banks are; As mortgage brokers, we have the ability to look at mortgage rates and mortgage loans from
many
different lenders.
Mortgage brokers such as Virginia Mortgage Services offer you many more possibilities for mortgage loans. When you look to mortgage banks or a Credit Union for mortgage loans, you are limiting yourself to just their loan programs and rates. Their specific loan program may no be the best for your situation. Additionally, they may not have the best mortgage rates. Our rates can change numerous times a day and each day we know who has the best mortgage rates. We will know which mortgage lender to go to based upon your unique situation.
Mortgage brokers have no extra “finders fees” involved when working with a mortgage broker. We find that seems to be one of the biggest misconceptions in the public. As mortgage brokers, we qualify many people for a variety of mortgage loan programs based on their financial needs and all of the programs are not offered with just one mortgage lender. J.D. Powers released an interesting article on mortgage brokers.
Mortgage brokers, especially Virginia Mortgage Services, have a variety of mortgage loan programs available from many different mortgage loan lenders at your fingertips. You do not have to go through the hassle of pre-qualifying for a mortgage loan with a lot of different mortgage lenders just to find out what mortgage loan programs are available.
Working as a mortgage broker, once we take your application we shop your loan with each of the 250 mortgage lenders with whom we work. This allows us to offer HUNDREDS of mortgage loan programs: FHA, VA, and a variety of Conventional / Conforming financing, including no money down loans, special mortgage programs for the self-employed home buyers or those with
bad credit and many first time home buyer loan programs.
No matter how pristine your credit may be, there are always circumstances where certain mortgage lenders specialize in working with homebuyers just like yourself and knowing which mortgage lenders to go to could save you thousands of dollars over the term of the loan or a couple hundred dollars a month. There are mortgage lenders that may credit interest rates by 1/2 point if your credit score is over a 720. There are mortgage lenders who specialize in working with first time home buyers or those that can not or do not want to disclose their income such as self employed home buyers. We go direct to the lender who offers special rates for your situation. Do not be caught in the trap of dealing with an "every corner bank" assuming your getting the best rate and program.
Check us out! Working with Virginia Mortgage Services assures you are getting a mortgage program specific to your needs and competitive mortgage rates. Let us do the homework for you. If you have questions just ask! You may contact Virginia Mortgage Services for your mortgage loan questions by email, phone 804.379.3302 or by appointment in our office.
Start now by filling out our secure
online application for mortgage loans! Call us at 804.379.3302, Monday through Friday from 9 a.m. to 5 p.m. Eastern time.
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