Every mortgage lender in Richmond claims to offer great rates and excellent service. Walk into any branch, call any 800 number, or click any rate banner online and you will hear the same promises. So how does a homebuyer, a refinancing homeowner, or a real estate investor in Richmond actually compare options with confidence?
This article breaks down eight concrete, verifiable ways RichmondMortgages.com operates differently from both national lenders like Rocket Mortgage and local competitors serving the Richmond market. These are not marketing claims. They are structural, process-level, and product-level differences that directly affect your loan outcome, your credit score, your closing timeline, and your total cost.
Whether you were turned down by your bank or credit union, are shopping rates for the first time, or want to understand what an independent mortgage broker can do that a retail lender cannot, this guide answers those questions directly. All rate math shown below uses the standard amortization formula and is independently verifiable.
Services available to homebuyers and homeowners in Virginia, Florida, Tennessee, and Georgia. Licensed NMLS#1110647.
1. Shopping Hundreds of Lenders at Once vs. One Lender’s Rate Sheet
The Challenge It Solves
When you apply with a retail lender, whether that is Rocket Mortgage, Freedom Mortgage, or a bank like Wells Fargo, you are seeing exactly one lender’s pricing. That lender sets their own margins, their own overlays, and their own product menu. You have no way of knowing whether their rate is competitive without going through the application process again somewhere else, which typically means another credit inquiry.
The Strategy Explained
An independent mortgage broker operates on a structurally different model. Rather than lending their own money at retail pricing, a broker accesses wholesale lender pricing across hundreds of lenders simultaneously. Wholesale pricing is the same pricing that large banks use internally before they mark it up for retail sale. This means the comparison is built into the process from the start, not something you have to do manually by calling five different lenders.
RichmondMortgages.com shops hundreds of lenders on your behalf in a single session. The rate you see is the result of that competitive sweep, not a single institution’s margin decision. Borrowers looking for affordable home loans in Richmond benefit most from this multi-lender comparison approach.
Implementation Steps
1. Submit a single pre-qualification request using the NoTouch Credit process (no hard inquiry required at this stage).
2. Receive a comparison of available rates across multiple wholesale lenders for your specific loan profile.
3. Review the rate payment table below to understand the real dollar difference between rate scenarios on a $350,000 Richmond-area loan.
Rate Payment Table: $350,000 Loan, 30-Year Fixed
The monthly payment formula used here is: M = P[r(1+r)^n] / [(1+r)^n – 1], where P = loan principal, r = monthly interest rate, and n = number of payments (360 for a 30-year loan).
At 6.75% interest rate: Monthly rate = 6.75% / 12 = 0.5625% = 0.005625. Payment = $350,000 × [0.005625 × (1.005625)^360] / [(1.005625)^360 – 1] = approximately $2,270 per month.
At 7.00% interest rate: Monthly rate = 7.00% / 12 = 0.5833% = 0.005833. Payment = $350,000 × [0.005833 × (1.005833)^360] / [(1.005833)^360 – 1] = approximately $2,329 per month.
At 7.25% interest rate: Monthly rate = 7.25% / 12 = 0.6042% = 0.006042. Payment = $350,000 × [0.006042 × (1.006042)^360] / [(1.006042)^360 – 1] = approximately $2,388 per month.
Difference between 6.75% and 7.00%: Approximately $59 per month, $708 per year, and $21,240 over the full 30-year loan term.
Difference between 6.75% and 7.25%: Approximately $118 per month, $1,416 per year, and $42,480 over the full 30-year loan term.
Breakeven Math: Is Paying Points Worth It?
One discount point on a $350,000 loan costs $3,500 (1% of the loan amount). If paying that point reduces your rate from 7.00% to 6.75%, saving approximately $59 per month, the breakeven calculation is: $3,500 / $59 = approximately 59 months, or just under 5 years.
If you plan to stay in the home longer than 5 years, paying the point makes financial sense. If you plan to sell or refinance before that, it does not. This is the kind of math that should be shown to you before you sign, not after.
Pro Tips
Always ask any lender for the APR alongside the interest rate. The APR includes fees and gives you a more accurate comparison across lenders. A rate that looks lower on paper can cost more in total when fees are factored in. Request a Loan Estimate from every lender you consider and compare Section A (origination charges) line by line.
2. The NoTouch Credit Advantage: Shop Without the Score Hit
The Challenge It Solves
One of the most common reasons Richmond homebuyers avoid shopping multiple lenders is fear of credit score damage. That fear is legitimate when it comes to hard inquiries. Each hard pull can reduce your score, and for borrowers in the 620 to 680 range, even a small reduction can push them into a higher rate tier or disqualify them from certain programs entirely.
The Strategy Explained
RichmondMortgages.com uses Vantage Score 4.0 for initial pre-qualification. This is a soft inquiry model that does not trigger a hard pull on your credit report. You can see where you stand, which loan programs you qualify for, and what rate ranges are available to you, all without any impact to your credit score.
This is particularly important for borrowers who are actively shopping. The Consumer Financial Protection Bureau (CFPB) notes that multiple mortgage inquiries within a short window are typically treated as a single inquiry for scoring purposes, but the initial soft pull approach eliminates even that concern at the exploration stage. Borrowers who need to improve their standing before applying can also explore credit restoration services to address specific score factors.
Implementation Steps
1. Request a NoTouch Credit pre-qualification at richmondmortgages.com. No hard inquiry is triggered.
2. Review your Vantage Score 4.0 result and the loan programs available at your current credit profile.
3. If your score needs improvement before proceeding, receive specific guidance on which factors to address and the projected timeline for improvement.
Direct Q&A: Common Credit Questions Answered
Q: What is the minimum credit score to get a mortgage through RichmondMortgages.com?
A: Credit scores down to 500 are eligible for certain loan programs. FHA loans, per HUD guidelines, allow scores as low as 500 with a 10% down payment, and scores of 580 or higher with a 3.5% down payment. Access to hundreds of wholesale lenders means there are pathways for profiles that a single retail lender would decline outright.
Q: Will checking my rate hurt my credit score?
A: Not with the NoTouch Credit process. The initial pre-qualification uses a soft inquiry only. A hard inquiry is only triggered when you formally authorize a full application, which happens after you have already reviewed your options.
Q: My credit score is 620. Can I still get a competitive rate?
A: Yes. The 620 to 680 range is where lender selection matters most. A retail lender with narrow overlays may offer limited options or higher pricing in this range. Access to wholesale lenders creates more competitive pricing for borrowers in exactly this credit band.
Pro Tips
If your score is near a pricing threshold (for example, 639 vs. 640, or 679 vs. 680), even a small improvement can move you into a meaningfully lower rate tier. Ask specifically about the rate difference between your current score and the next pricing band before deciding whether to wait or proceed.
3. Converting Bank and Credit Union Turndowns Into Approvals
The Challenge It Solves
Banks and credit unions operate with what the industry calls overlays: internal credit requirements that are stricter than the minimum guidelines set by FHA, VA, USDA, or Fannie Mae. A bank might require a 640 minimum score on an FHA loan even though HUD’s actual minimum is 500. They might require two years of W-2 employment even for borrowers with strong self-employment income. A turndown from a bank is not always a true disqualification. It is often a mismatch between your profile and that specific institution’s internal rules.
The Strategy Explained
When you work with an independent broker who accesses hundreds of wholesale lenders, a turndown from one institution becomes a starting point for finding a lender whose guidelines fit your actual situation. Self-employed borrowers, gig economy workers, real estate investors, and borrowers with past credit events often find that the bank’s answer of “no” becomes a wholesale lender’s answer of “yes, under these terms.” Understanding the full range of available loan programs is the first step toward finding the right fit for your profile.
Loan Type Comparison Table
Conventional (Fannie Mae/Freddie Mac): Minimum score typically 620. Requires documented income. Strict debt-to-income overlays at retail banks. Wholesale lenders often have more flexible overlays on the same product.
FHA (Federal Housing Administration): Minimum score 500 per HUD guidelines (580 for 3.5% down). Banks frequently apply overlays requiring 620 or higher. Wholesale access means borrowers at 500 to 619 have real options.
VA (Veterans Affairs): No official minimum score from VA. Individual lenders set their own minimums. Retail lenders often require 620 to 640. Wholesale lenders may approve at lower thresholds for qualified veterans.
Bank Statement Loans (Non-QM): Designed for self-employed borrowers who cannot document income through traditional tax returns. Not available at most banks or credit unions. Available through wholesale non-QM lenders in the broker network.
DSCR Loans (Debt Service Coverage Ratio): For real estate investors. Qualification is based on property cash flow, not personal income. Rarely available at retail banks. Accessible through wholesale lenders.
Implementation Steps
1. Bring your bank or credit union turndown letter to a consultation. The specific reason for denial determines which alternative pathway applies.
2. Identify whether the turndown was due to credit score, income documentation, debt-to-income ratio, or property type. Each has different solutions.
3. Match your profile to the appropriate wholesale lender whose guidelines fit your actual situation rather than a bank’s internal overlays.
Pro Tips
When a bank turns you down, request the specific reason in writing. Federal law requires lenders to provide an adverse action notice explaining the reason for denial. That document tells you exactly what to address and gives a broker the information needed to identify alternative lenders quickly.
4. Speed to Close: How Faster Closings Win Offers in Richmond’s Market
The Challenge It Solves
In Richmond’s competitive real estate market, a slow closing can cost you the home. Sellers and their agents pay close attention to closing timelines when evaluating offers. A buyer who can close in 21 days is more attractive than a buyer who needs 45, even if the offer prices are similar. National call center lenders with high volume and centralized processing can struggle to meet aggressive timelines, particularly when files require manual underwriting or non-standard documentation.
The Strategy Explained
The wholesale broker model, combined with 24/7 availability, reduces the delays that accumulate in traditional retail lending pipelines. When a question arises during processing, it gets answered the same day rather than waiting in a queue. When a document is needed, it is requested immediately rather than discovered at a later stage. This kind of responsive communication directly compresses the timeline between application and clear to close.
Richmond realtors who work with buyers know the difference between a lender who is reachable and one who is not. The Realtor Referral program at RichmondMortgages.com exists because agents want their buyers working with a lender who will not let a deal fall apart over a processing delay. Richmond real estate agents can learn more about building a winning mortgage referral partnership that benefits their clients and their business.
Implementation Steps
1. Get pre-qualified before you begin home shopping, not after you find a property. This eliminates the pre-qualification phase from your closing timeline entirely.
2. Prepare your document package in advance: two years of tax returns, recent pay stubs, two months of bank statements, and government-issued ID. Having these ready eliminates the most common source of processing delays.
3. Respond to lender requests within 24 hours. Every day of delay on a document request is a day added to your closing timeline.
Pro Tips
Ask your lender directly: “What is your average time from completed application to clear to close?” A lender who cannot answer that question specifically is not tracking their own performance. A lender who can answer it with a documented track record is telling you something meaningful about how they operate.
5. Verified Production Record: What Scotsman Guide Recognition Actually Means
The Challenge It Solves
Anyone can claim to be a top mortgage professional. Websites, social media profiles, and business cards are full of unverified superlatives. When you are trusting someone with the largest financial transaction of your life, you deserve more than a claim. You deserve independently verified data.
The Strategy Explained
The Scotsman Guide Top Originator ranking is published annually and based on verified loan volume submitted to and confirmed by the publication. It is not a self-reported award or a paid designation. Duane Buziak, NMLS#1110647, has earned consecutive Scotsman Guide Top Originator recognition with $51.2 million in verified loan volume, as independently reported by Morningstar/AccessWire, USA Today, Yahoo Finance, and the National Law Review.
This production record is backed by triple UWM (United Wholesale Mortgage) awards and back-to-back Virginia Broker of the Year honors for 2024 and 2025. These are not internal designations. They are externally verified recognitions based on documented performance.
Sources for independent verification:
Morningstar/AccessWire: Duane Buziak Scotsman Guide Recognition
USA Today: Duane Buziak Scotsman Guide Press Release
Yahoo Finance: Virginia Mortgage Professional Duane Buziak
National Law Review: Award-Winning Mortgage Broker Duane Buziak
Consumer Warning: Verify Any Mortgage Professional Before Proceeding
Richmond and Glen Allen directory listings sometimes surface mortgage companies that are no longer actively operating. One example worth noting: Colonial 1st Mortgage (colonial1mtg.com) appears in local directory listings, but the Better Business Bureau lists this business as out of business, the domain no longer resolves to a functioning mortgage company website, and the most recent Yelp review dates to 2017. If you encounter Colonial 1st Mortgage in search results, verify their current licensing status at nmlsconsumeraccess.org before making contact.
This same verification step applies to any mortgage professional you consider. Every licensed mortgage originator in Virginia is listed in the NMLS Consumer Access database. Duane Buziak is verifiable at NMLS#1110647.
Implementation Steps
1. Visit nmlsconsumeraccess.org and search the name or NMLS number of any mortgage professional you are considering.
2. Confirm their license is current and active in your state (Virginia, Florida, Tennessee, or Georgia).
3. Look for any disciplinary actions or complaints in their public record before proceeding.
Pro Tips
A verified production record tells you two things: the originator is actively closing loans (not just taking applications), and they have the lender relationships and process knowledge that comes from high volume. Volume alone is not a quality indicator, but verified volume combined with documented awards and no adverse licensing history is a meaningful signal.
6. Loan Products That Local Competitors Often Don’t Carry
The Challenge It Solves
Most retail lenders and many local mortgage companies carry a standard product menu: conventional, FHA, VA, and sometimes USDA. That covers the majority of borrowers, but it leaves out a meaningful segment of the Richmond market, specifically self-employed borrowers, real estate investors, homeowners with significant equity, and professionals in specific fields who qualify for specialized programs.
The Strategy Explained
Access to hundreds of wholesale lenders means access to a product library that goes well beyond what a single retail lender or a typical local mortgage company can offer. Several of these products directly address situations where borrowers are told they have no options. Reviewing the complete range of mortgage services available through the wholesale broker model reveals options that most Richmond borrowers never knew existed.
Product Comparison Table
Bank Statement HELOC: Available at RichmondMortgages.com. Qualification based on bank statement income rather than tax returns. Designed for self-employed borrowers whose tax returns understate their actual income. Rarely available at banks or credit unions in Richmond.
Cash-Out Refinance to 90% LTV: Available at RichmondMortgages.com. Most retail lenders cap cash-out refinances at 80% LTV for conventional loans. Access to wholesale lenders with 90% LTV cash-out products means homeowners can access more of their equity without requiring mortgage insurance workarounds.
Home For Heroes: Available at RichmondMortgages.com. A program providing savings on real estate and mortgage services for military members, veterans, firefighters, law enforcement, healthcare workers, and teachers.
Rental Referral Rewards: Available at RichmondMortgages.com. A program specifically designed for real estate investors who refer other investors. Creates a referral network with structured rewards for repeat investors in the Richmond rental market.
DSCR Investor Loans: Available at RichmondMortgages.com. Qualification based on rental property cash flow rather than personal income. Not available at most retail banks. Essential for investors scaling a rental portfolio in Richmond’s market.
Standard Conventional/FHA/VA: Available everywhere, including Movement Mortgage, C&F Mortgage, Rocket Mortgage, and most local lenders. This is the baseline product set. The differentiation happens in the programs above it.
Implementation Steps
1. Identify which category describes your situation: standard W-2 borrower, self-employed borrower, real estate investor, or professional in a qualifying field for Home For Heroes.
2. Ask specifically whether the lender you are considering carries the product that fits your category. If they cannot answer the question directly, that is your answer.
3. For investors, request a DSCR loan analysis showing qualification based on the subject property’s projected rental income rather than your personal tax returns.
Pro Tips
If you are a self-employed borrower whose tax returns show lower income due to legitimate business deductions, ask specifically about bank statement loan programs before assuming you cannot qualify for the loan amount you need. The bank’s answer may be no. The wholesale lender’s answer may be different.
7. Local Richmond Knowledge vs. Call Center Mortgage Processing
The Challenge It Solves
There is a meaningful difference between a mortgage professional who knows Richmond’s neighborhoods, price tiers, and real estate dynamics and a processor at a national call center who is working from a script and a checklist. That difference shows up in how your file is structured, how your offer is positioned, and how problems are solved when they arise during underwriting.
The Strategy Explained
Richmond’s market has specific characteristics worth understanding. Henrico County median prices have been running in the $390,000 to $430,000 range. The current conforming loan limit is $806,500. FHA floor score requirements, reserve month calculations, and closing cost ranges in the Richmond metro are all factors that a local professional navigates regularly, not occasionally. Homebuyers in this market can also benefit from understanding homeowners insurance requirements that affect total monthly payment calculations and loan approval.
Here is an honest, factual comparison of how different local and national models operate in this market:
Movement Mortgage (Jay Bowry): Movement is a retail lender with a strong local presence. They lend their own money and have an established Richmond team. Their product menu is a retail lender’s menu, meaning one institution’s pricing and overlays. They are a legitimate, well-regarded option for borrowers who fit their standard product set.
The Cowart Team: A local mortgage team operating in the Richmond area. Local presence and community relationships are their strength. Product access depends on which retail lender they are affiliated with at any given time.
Sparrow Home Loans: A local Richmond mortgage company with a community-focused approach. Retail lender model with the product limitations that come with single-institution access.
804 Mortgage: A Richmond-based mortgage operation. Local knowledge is a stated differentiator. Product access and pricing depend on their specific lender relationships.
C&F Mortgage Corporation (Valerie Holbrook): C&F is a Virginia-based retail lender with a strong regional reputation. They offer in-house underwriting which can support faster processing. Single-lender pricing model.
Parks Mortgage Group: A local Richmond mortgage group with established realtor relationships. Retail lending model with the associated product and pricing structure.
CapCenter: A Richmond-area lender known for zero-closing-cost options and competitive positioning. A legitimate alternative for borrowers who prioritize upfront cost reduction over rate optimization. Single-lender pricing model.
The structural difference at RichmondMortgages.com is not that these competitors are doing something wrong. It is that the independent broker model gives you access to all of their pricing categories simultaneously, plus wholesale lenders they do not have access to, in a single comparison process.
Implementation Steps
1. When speaking with any lender, ask: “Are you a retail lender or an independent broker?” The answer tells you whether you are seeing one rate sheet or many.
2. Ask: “How many lenders are you comparing my loan against?” A retail lender’s honest answer is one. A broker’s honest answer is many.
3. Ask: “Do you have experience with [your specific situation: investor loan, self-employed income, bank turndown, etc.]?” Local knowledge combined with broad product access is the combination that matters.
Pro Tips
Local knowledge matters most during the pre-underwriting stage, when your file is being structured, and during problem-solving, when something unexpected comes up. A mortgage professional who has closed hundreds of loans in Richmond knows which issues are common, which underwriters are reasonable, and how to position your file for approval rather than decline.
8. Transparent Rate Comparison: How to Read What You’re Actually Being Offered
The Challenge It Solves
Most borrowers compare mortgage offers by looking at the interest rate. That is the least accurate way to compare them. Two lenders can quote the same interest rate with dramatically different total costs depending on origination fees, discount points, and other charges. Without understanding how to read a Loan Estimate correctly, you can pay thousands more than necessary while believing you got the best deal.
The Strategy Explained
The Annual Percentage Rate (APR) is a more accurate comparison tool than the interest rate alone because it incorporates fees into the calculation. However, even APR has limitations: it assumes you hold the loan for its full term, which most borrowers do not. The most accurate comparison uses the Loan Estimate’s Section A (origination charges) alongside the interest rate to calculate your true cost for the expected holding period. Borrowers who want a broader view of how Richmond lenders compare on rate and fees can review a detailed comparison of top mortgage lending companies in Richmond before making a final decision.
Rate Payment Table: Multiple Loan Amounts, Multiple Rate Scenarios
All calculations use the standard amortization formula: M = P[r(1+r)^n] / [(1+r)^n – 1]. Monthly payments shown are principal and interest only. Taxes, insurance, and mortgage insurance (where applicable) are additional.
$300,000 loan, 30-year fixed at 6.75%: Monthly payment approximately $1,946.
$300,000 loan, 30-year fixed at 7.00%: Monthly payment approximately $1,996.
$300,000 loan, 30-year fixed at 7.25%: Monthly payment approximately $2,047.
$350,000 loan, 30-year fixed at 6.75%: Monthly payment approximately $2,270.
$350,000 loan, 30-year fixed at 7.00%: Monthly payment approximately $2,329.
$350,000 loan, 30-year fixed at 7.25%: Monthly payment approximately $2,388.
$425,000 loan, 30-year fixed at 6.75%: Monthly payment approximately $2,757.
$425,000 loan, 30-year fixed at 7.00%: Monthly payment approximately $2,828.
$425,000 loan, 30-year fixed at 7.25%: Monthly payment approximately $2,900.
Note: These figures are calculated using the standard amortization formula and are provided for educational comparison purposes. Actual rates and payments depend on your credit profile, loan type, property, and market conditions at the time of application. Rates shown are illustrative and not a commitment to lend.
FAQ: Questions Every Borrower Should Ask Any Lender
Q: What is the difference between interest rate and APR?
A: The interest rate is the cost of borrowing the principal. The APR includes the interest rate plus most fees (origination charges, points, certain closing costs) expressed as an annualized percentage. APR gives you a more complete picture of total cost, which is why federal law requires lenders to disclose it.
Q: What is a discount point and should I pay one?
A: One discount point equals 1% of the loan amount paid upfront to reduce your interest rate. On a $350,000 loan, one point costs $3,500. If it reduces your rate from 7.00% to 6.75%, saving approximately $59 per month, your breakeven is approximately 59 months (just under 5 years). If you plan to stay longer than that, paying the point makes financial sense.
Q: How do I compare two Loan Estimates from different lenders?
A: Compare Section A (Origination Charges) directly. This is the lender’s fee, not third-party costs. Then compare the interest rate. A lower rate with higher Section A charges may cost more total than a slightly higher rate with no origination fees, depending on your holding period.
Q: What fees are negotiable?
A: Section A fees (lender origination charges and points) are negotiable and vary between lenders. Section B and C fees (title, appraisal, government recording) are largely set by third parties and are less negotiable, though you can shop for some of them.
Q: Can I bring a competing offer to RichmondMortgages.com and ask for a better rate?
A: Yes. Bringing a competing Loan Estimate allows for a direct comparison. Because the broker model accesses wholesale pricing across hundreds of lenders, it is often possible to beat retail pricing on rate, fees, or both. Bring the full Loan Estimate, not just the rate quote.
Implementation Steps
1. Request a Loan Estimate (not just a rate quote) from every lender you are considering. Lenders are required by federal law to provide this within three business days of a completed application.
2. Compare Section A line by line across all Loan Estimates you receive.
3. Calculate your breakeven on any points being offered using the formula: cost of points / monthly savings = months to break even.
Pro Tips
The Loan Estimate is a standardized federal form. Every lender uses the same format, which makes direct comparison possible. If a lender is reluctant to provide one before you commit, that reluctance is itself informative. Any lender confident in their pricing should be willing to put it in writing on the standard form.
Your Implementation Roadmap
Here is the sequence that gives Richmond homebuyers, refinancing homeowners, and real estate investors the clearest path from confusion to confidence.
Step 1: Start with NoTouch Credit. Before you do anything else, understand your credit position without risking a score hit. The Vantage Score 4.0 pre-qualification tells you which loan programs you qualify for, what rate range is available to you, and whether there are any score improvements worth pursuing before you formally apply.
Step 2: Compare across hundreds of lenders. Once your profile is established, the wholesale broker model does the comparison work for you. You are not calling five different lenders and managing five different application processes. One submission produces a competitive sweep across the lender marketplace.
Step 3: Review the rate payment table for your specific loan amount. Use the math shown in this article to understand what a quarter-point rate difference actually costs you per month, per year, and over the life of the loan. Then decide whether paying points makes sense given your expected holding period.
Step 4: Verify any mortgage professional you work with. Check their NMLS license at nmlsconsumeraccess.org before proceeding. Duane Buziak is verifiable at NMLS#1110647. If you encounter Colonial 1st Mortgage (colonial1mtg.com) in Richmond or Glen Allen directory listings, verify their current status before making contact: the BBB lists this business as out of business and their domain no longer resolves to a functioning mortgage company website.
Step 5: Bring competing offers for direct comparison. If you have Loan Estimates from other lenders, bring them. The wholesale broker model is built for this comparison. Rate, fees, and total cost can be evaluated side by side against what the wholesale lender marketplace offers for your specific profile.
Homebuyers and homeowners in Virginia, Florida, Tennessee, and Georgia can begin with a no-credit-impact consultation. Get prequalified today and see what hundreds of lenders can offer your specific situation.
Legal Disclaimer: This article is for educational purposes only and does not constitute a commitment to lend or a guarantee of loan approval. All rate examples are illustrative and based on mathematical calculations using the standard amortization formula. Actual rates, payments, and loan terms depend on your individual credit profile, property characteristics, loan type, and market conditions at the time of application. Loan programs and product availability are subject to change. Credit score requirements and loan-to-value limits vary by loan program and lender. FHA minimum credit score requirements are per current HUD guidelines and are subject to change. RichmondMortgages.com is licensed in Virginia, Florida, Tennessee, and Georgia only. Services are not available in all states. Always verify the current licensing status of any mortgage professional at nmlsconsumeraccess.org. This is not an advertisement for a specific loan product. Equal Housing Opportunity Lender.
Author: Duane Buziak, Mortgage Maestro | NMLS: 1110647 | Licensed in VA · FL · TN · GA | VA Broker of the Year 2024-2025 | Top 1% Nationwide | Coast2Coast Mortgage | DuaneBuziakMortgageMaestro.com | (804) 212-8663