Your Mortgage Experts Ready to Help With Your Borrowing Needs

With over 30 years of residential lending experience in the Richmond area including several years in management, Regina is a seasoned expert in lending.

Regina started her career as a loan processor giving her an even greater understanding of the lending process. She has a passion to help people achieve their homeownership dreams and constantly strives to find solutions to allow them to reach their goals whether it is their first home or forever home.

Regina is involved in several real estate and civic organizations within the community.

From application to closing, Regina applies her extensive knowledge and first class customer service to deliver the best possible experience and allow the customer to focus on the excitement of their new home purchase.

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Jodie believes in meeting her clients’ needs and exceeding their expectations. She is a strong believer in making her clients feel heard, valued and comfortable from the first conversation to taking the application, all the way through to closing the loan. She builds trust through honesty and open, informative and prompt communication.

Jodie’s comprehensive experience spans 25 years building long-standing relationships in the community. She appreciates that she maintains many of those relationships today. She has an extensive background in single-family construction and development finance, and mortgage lending. Jodie is a graduate of Radford University and holds a B.S. degree.

“It’s all about the relationship, not just the transaction.”

EXPERTISE: Conventional, Construction Permanent, Land, and Portfolio Loans

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Robert has over 21 years of experience in the mortgage lending field, with over 10 years managing mortgage departments. Robert specializes in tailoring programs to fit his customers’ needs and VCB’s variety of mortgage programs allows him to do so. Having lived in the City and now in the Northern Neck, Robert can relate to his customers lifestyles and their mortgage needs.

With a background in teaching which includes a Master Degree, his communication with customers makes their home loan process very thorough and less painful. Robert’s motto is “we make your dreams come true”.

EXPERTISE: Conventional Loans, Construction to Permanent Loans, Home Equity Lines of Credit/Loans

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With working over a decade in the financial services industry, Joe draws on his experiences to ensure that mortgage transactions close as smoothly as possible. Whether you are refinancing, purchasing an existing home, or building your dream home, Joe draws from a vast number of lending products to make sure that his customer’s loans suit their current & future needs.

Joe is a lifelong resident of the Northern Neck, and has a great knowledge of the local area and its properties. He has played a role in retail banking, consumer and real estate lending within Virginia Commonwealth Bank. Joe holds a Bachelor’s Degree in Economics + Business from Randolph-Macon College, and is a Graduate of the Virginia School of Bank Management.

EXPERTISE: Conventional loans, Construction to Permanent lending, Home Equity loans, FNMA, FHA

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Cindy is a seasoned mortgage loan officer in the Hartfield office. Cindy has been in the financial industry for 35 years, first in retail banking, then joining mortgage banking in 1995. Cindy has a wide range of experience in Government Loan Programs, Fannie Mae, Freddie Mac, Purchase transactions , Construction loans, Refinances and Equity Lines.

Cindy loves working with people and is committed to offering her clients the right loan program that best suits their financial needs. Cindy believes that communication is the key to a successful transaction and encourages her clients to ask any and every question. “I treat everyone like I want to be treated”.

She will accommodate the client and meet them where and when it is convenient for the client. “This is a people business, therefore we need to be aware of our customer’s needs”. Please contact Cindy to discuss your loan request, she will do her absolute best to make the transaction smooth and enjoyable. “The best compliment I can receive is a referral!”

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With 19 years residential lending experience, I have a thorough understanding of the lending process from origination to close. As your lending partner, I am hands on with you from application, to attending your closing and your contact for loan assistance after.

Representing a community bank has given me the unique opportunity to focus on the full service “relationship” with our borrower. I view myself as an educator and problem solver, looking at the customer’s total financial picture and then applying our programs and services to offer lending options that best serve the borrower needs. We have FNMA, government and in-house options to accommodate almost every lending scenario, both conventional and Jumbo.

Having also resided in the NN area for 19 years, I have an understanding for the needs of our rural area and community bank region. I have had years of working experience with our appraisers, settlement agents, realtors, builders and other affiliates associated with the lending process.

EXPERTISE: Conventional FNMA and in-house programs, Jumbo Loans, Conventional & Jumbo Construction/Perm and first-time homebuyers.

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I have been helping people realize their dreams of homeownership for over thirty years. During that time I have helped thousands of families make the best decision for their family and their future.

I have learned that every borrower is unique. I listen to what they what to accomplish and help them with the road map to get there. I am skilled at helping first time homebuyers, vacation home buyers and buyers building their dream home. My expertise is in FHA, VA, FNMA and Construction- Permanent financing. I am a longtime resident of Richmond, Virginia and Cape Charles, Virginia.

Feel free to contact me with any questions about mortgage financing. I am here to help you.

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