Get pre-approved fast, find the right home, and get money back at closing — all from one local Richmond team that handles the mortgage and the real estate.
Most buyers don’t know their lender and their agent can be the same team. When they are, we return 50% of the buyer-agent commission to you at closing — applied to closing costs or a rate buydown. No other Richmond lender does this.
Start your free mortgage application online in minutes.
Our licensed REALTORS® show you homes and handle every negotiation.
50% of the buyer-agent commission returns to you at closing.
Whether you’re a first-time buyer, a veteran, or moving up — we have the right loan for your situation.
620+ credit. Down payment as low as 3%. Best rates for qualified buyers.
580+ credit. 3.5% down. Great for first-time buyers with limited savings.
0% down for eligible veterans & active duty. No PMI. We specialize in VA loans.
Jumbo, USDA, VHDA, refinance & cash-out. Ask us what fits your situation.
A clear, simple process with a local team communicating every step of the way.
Apply online in minutes. We review your situation and issue a pre-approval letter fast — often same day.
Tour homes with our licensed REALTORS®. Full MLS access. We know Richmond’s neighborhoods.
We write a competitive offer, negotiate on your behalf, and manage every detail through contract.
Close with confidence. Your Bundle & Save credit shows up on the Closing Disclosure — real money back.
★★★★★ Rated 5.0 on Google
Straight answers before you reach out.
