Mortgage Refinance Richmond

Conventional Refinance Loans Our Specialty

  • Conventional 30-Year, Fixed-Rate Loans with competitive rates and first-class service
  • 15-Year Fixed Rate Conventional Loan Refinance Conversion
  • Convert your ARM (Adjustable Rate Mortgage) to a low Fixed-Rate Conventional loan
  • Investor Loans, Cash-out Refinance, and Term-Reduction Refinance options


  • Ample – purchase and refinance amounts up to $2 million
  • Needs-specific – 5/1, 7/1, 10/1 adjustable-rate mortgages (ARMs) provide lower fixed interest rates and payments for the initial years1
  • Security – a choice of fixed-rate terms with no adjustments for the life of your loan
  • Versatile – Finance a primary residence or a second/vacation home
  • Flexible - Foreign national and nonpermanent-resident alien borrowers are eligible
  • Accommodating – Retirement funds can count toward the cash reserve requirement after closing


  • ACCOMMODATING – Flexible credit and income-qualifying guidelines
  • CUSTOMIZED – Choice of predictable fixed-rate payments or lower adjustable rate1 introductory payments
  • FLEXIBLE – Down payments as low as 3.5% and no mortgage payments held in reserve
  • OPTIONS – Gift funds accepted for down payment, provided you meet minimum investment of own funds
  • ASSUMABLE – Qualified buyers may be able to take over the seller’s existing mortgage, including interest rate.

The 203k Renovation Loan can work for you

  • Owner-occupied homes only (foreclosures are eligible)
  • 3.5% down payment is required (may be gifted from a family member or relative)
  • 1-4 unit properties are eligible
  • Mortgage payments can be financed during renovation if the home is uninhabitable or the work being done would cause you not to be in the home

VA Loan Features That Serve Those Who Serve

  • Accommodating — Flexible credit and income qualifying guidelines
  • Convenient — Up to 100% financing, and gifts or grants may be used for down payment1
  • Typically Lower Costs — Compared to standard, conventional financing