Choosing the wrong mortgage type for your financial situation is one of the most expensive mistakes a homebuyer or homeowner in Glen Allen, Virginia can make. Whether you’re purchasing a home in Short Pump, refinancing in Henrico County, or exploring options in the West End Richmond corridor, the mortgage product you select has a direct impact on your monthly payment, total interest paid, and long-term financial health.
The challenge is that most lenders — including large national platforms like Rocket Mortgage, Movement Mortgage, and Freedom Mortgage — present borrowers with a limited menu of products tied to their own portfolio. A local mortgage broker with access to hundreds of lenders operates differently: matching your specific financial profile to the product that actually fits, not the one that’s most convenient to originate.
This guide walks through seven strategic frameworks for evaluating which mortgage type aligns with your current financial situation. Each strategy includes worked math examples, comparison tables, and direct Q&A so you can make an informed decision, not a pressured one.
Author: Duane Buziak, Mortgage Maestro | NMLS #1110647 | Glen Allen/Innsbrook Regional Broker of the Year 2022 & 2024
1. Map Your Credit Score to the Right Loan Program — Including Scores Down to 500
The Challenge It Solves
Many Glen Allen homebuyers walk away from a bank or credit union pre-qualification believing they simply don’t qualify for a mortgage. Often, the real issue is that the institution only offers conventional loan products with tighter credit requirements. Your credit score doesn’t disqualify you from homeownership. It directs you to the right loan program.
The Strategy Explained
Different government-backed and conventional loan programs carry different minimum credit score thresholds. FHA loans, backed by the U.S. Department of Housing and Urban Development (HUD.gov), allow credit scores as low as 500 with a 10% down payment, and as low as 580 with just 3.5% down. VA loans, backed by the U.S. Department of Veterans Affairs (VA.gov), have no official minimum score, though most lenders set overlays between 580 and 620. Conventional loans typically require a minimum of 620, with pricing improvements kicking in at 680, 700, and 740+.
Here’s where a broker with access to hundreds of lenders changes the equation. Individual banks and credit unions apply their own overlays on top of program minimums. A broker can find lenders whose overlays align with your actual score, opening doors that a single-institution lender keeps closed. Understanding the credit score needed for a mortgage in Glen Allen is the essential first step before approaching any lender.
Credit Score vs. Loan Type Eligibility Table
Score Range | Eligible Programs | Notes
500–579 | FHA (10% down) | Very limited lender availability; broker access critical
580–619 | FHA (3.5% down), VA (lender overlay dependent) | Bank turndowns common at this tier; broker access expands options
620–659 | FHA, VA, Conventional (limited) | Conventional pricing penalties apply; FHA often more cost-effective
660–699 | FHA, VA, Conventional | Competitive options; rate comparison across programs matters
700–739 | All programs | Conventional pricing improves significantly
740+ | All programs | Best conventional pricing tier; lowest rate premiums
Implementation Steps
1. Start with a NoTouch Credit check. This uses Vantage Score 4.0 and does not generate a hard inquiry, meaning your credit score is not affected. You get a real picture of your credit position without the risk of a credit hit during early exploration.
2. Identify your score tier using the table above. This immediately narrows your eligible loan programs before you’ve spoken to a single lender.
3. Work with a broker who can submit your profile across multiple lenders simultaneously. This surfaces the actual available options at your score, not just the programs one institution happens to offer.
Pro Tips
If you’ve been turned down by a bank or credit union, ask specifically which credit score threshold caused the denial. In many cases, the denial reflects the institution’s overlay, not the program’s actual minimum. A broker conversation after a bank turndown frequently reveals viable paths that weren’t visible at the single-institution level. Scores as low as 500 have financing pathways. The key is matching the score to the right program and the right lender.
Q: Does checking my credit score hurt my credit?
A: With the NoTouch Credit pre-qualification process, no. Vantage Score 4.0 is used for initial assessment, generating no hard inquiry and no credit hit. This protects your score during early mortgage exploration.
Q: I was turned down by my bank. Does that mean I don’t qualify for a mortgage?
A: Not necessarily. Banks and credit unions underwrite to their own guidelines, which are often more restrictive than FHA, VA, or non-QM program minimums. A broker with access to hundreds of lenders can often find approval where a single institution cannot.
2. Use the Down Payment Reality Check to Narrow Your Loan Type
The Challenge It Solves
The assumption that you need 20% down to buy a home in Glen Allen stops many qualified buyers from moving forward. The reality is that multiple loan programs allow for significantly lower down payments, each with different cost structures. Understanding those structures prevents you from either over-saving unnecessarily or choosing a low-down-payment option that costs more over time than it saves upfront.
The Strategy Explained
Down payment requirements vary significantly by loan type. The table below summarizes the key parameters for the most common programs available to Glen Allen homebuyers. Reviewing the best loan programs for homebuyers side by side helps clarify which structure fits your available capital.
Down Payment Requirements by Loan Type
Loan Type | Minimum Down | PMI Required | Notes
VA Loan | 0% | No | Available to eligible veterans, active duty, surviving spouses
FHA Loan | 3.5% (580+ score) / 10% (500–579) | Yes (MIP) | MIP includes upfront + annual premium; persists for loan life in most cases
Conventional (Conforming) | 3–5% | Yes (below 20%) | PMI cancels at 80% LTV; pricing improves with higher down
Conventional (20%+) | 20%+ | No | Eliminates PMI entirely; best rate pricing
PMI Breakeven Math: Less Down vs. More Down
Consider a $400,000 home purchase in Glen Allen (23060). A buyer putting 5% down ($20,000) on a conventional loan versus 20% down ($80,000) faces a $60,000 difference in upfront cash. The 5%-down scenario adds PMI, typically priced between 0.5% and 1.5% of the loan amount annually depending on credit score and lender.
At 1.0% annual PMI on a $380,000 loan balance: PMI cost = approximately $316/month. PMI cancels when the loan reaches 80% LTV, which on a $400,000 home means a balance of $320,000. At normal amortization on a 30-year loan, reaching that threshold takes roughly 8 to 10 years.
Total PMI paid over 9 years at $316/month: approximately $34,128.
Breakeven question: Is keeping $60,000 in your pocket (by putting 5% down instead of 20%) worth paying approximately $34,128 in PMI over 9 years? For many Glen Allen buyers, the answer is yes — particularly when that retained capital earns returns elsewhere or covers other financial priorities. The math, not assumptions, should drive the decision.
Cash-Out Refinance as an Equity Access Tool
For existing Glen Allen homeowners, cash-out refinancing up to 90% LTV provides access to built equity without selling the property. This is a strategic tool for home improvements, debt consolidation, or investment — and it’s a product category where broker access to multiple lenders matters, as cash-out LTV limits and rate premiums vary significantly across lenders.
Implementation Steps
1. Determine your available liquid assets for down payment, separating funds needed for closing costs from funds available for down payment.
2. Use the table above to identify which programs your down payment amount makes accessible.
3. Run the PMI breakeven calculation for your specific purchase price and credit score before deciding whether to put more down to eliminate PMI.
Pro Tips
Don’t assume that putting less down is always the wrong move. In a rising-rate environment, preserving cash for reserves or rate buydowns can sometimes produce better long-term outcomes than a larger down payment. The worked math — not the conventional wisdom — should guide your decision.
3. Calculate Your Debt-to-Income Ratio Before Choosing a Loan Structure
The Challenge It Solves
Debt-to-income ratio (DTI) is one of the most misunderstood qualification factors in residential mortgage lending. Many borrowers discover their DTI is too high for conventional financing only after they’ve already selected a home and started the application process. Calculating DTI before choosing a loan structure lets you select the program with the right DTI threshold for your situation — rather than discovering a mismatch at the worst possible moment.
The Strategy Explained
DTI is calculated by dividing your total monthly debt obligations (including the proposed mortgage payment) by your gross monthly income.
DTI Formula: Total Monthly Debt Payments ÷ Gross Monthly Income = DTI%
Worked Example Using Glen Allen Median Home Price
Henrico County median home prices have been running in the $390,000–$430,000 range in recent periods. Use $410,000 as the purchase price for this example.
Buyer profile: Gross monthly income = $8,500. Existing monthly debts: car payment $450, student loan $200, credit card minimum $75. Total existing debt = $725/month.
Proposed mortgage payment (principal, interest, taxes, insurance) on a $390,000 loan at a 30-year fixed rate: approximately $2,450/month (illustrative; actual rate will vary).
Total monthly obligations: $725 + $2,450 = $3,175.
DTI: $3,175 ÷ $8,500 = 37.4%.
This DTI falls within conventional loan guidelines. However, if the buyer’s debts were higher — say, $1,200/month in existing obligations — the DTI would climb to ($1,200 + $2,450) ÷ $8,500 = 42.9%, which exceeds most conventional limits but remains within FHA and VA program thresholds. Getting a quick mortgage approval in Virginia often depends on presenting a clean DTI picture before the application is submitted.
DTI Threshold Table by Loan Type
Loan Type | Standard DTI Limit | Notes
Conventional | 45% (up to 50% with compensating factors) | Fannie Mae/Freddie Mac guidelines; lender overlays may be tighter
FHA | 43–57% (with AUS approval) | More flexible; compensating factors can push limits higher
VA | No official cap (41% guideline; higher with residual income) | Residual income calculation often more important than DTI ratio
Non-QM / Bank Statement | Varies by lender (often 50%+) | For self-employed or non-traditional income; broker access critical
Implementation Steps
1. List all monthly minimum debt payments: car loans, student loans, credit card minimums, personal loans, child support if applicable.
2. Estimate your proposed mortgage payment using current rate estimates and your target purchase price range in Glen Allen or Henrico County.
3. Divide total monthly obligations by gross monthly income. Compare your result to the DTI threshold table above to identify which programs are structurally accessible to you.
Pro Tips
If your DTI is above conventional limits, FHA and VA programs frequently provide viable paths that banks and credit unions won’t surface because they don’t originate those products aggressively. Non-QM programs through broker lender networks can accommodate DTIs that no single bank would approve. The bank turndown is often a program mismatch, not a permanent disqualification.
Q: My bank said my DTI is too high. Are there other options?
A: Frequently, yes. FHA allows DTIs up to 57% with automated underwriting approval. VA uses a residual income model that can accommodate DTIs well above 41%. Non-QM programs through broker networks serve borrowers with DTIs that conventional programs cannot. A single-institution lender sees one set of guidelines. A broker with access to hundreds of lenders sees the full landscape.
4. Evaluate Fixed vs. Adjustable Rate Mortgages Against Your Timeline
The Challenge It Solves
The rate structure of your mortgage — fixed or adjustable — should be a function of how long you plan to stay in the home, not just which option has the lower initial payment. Choosing an ARM when you intend to stay 20 years, or locking a 30-year fixed when you’ll sell in 5 years, both carry real financial consequences. Shopping hundreds of lenders simultaneously also produces meaningfully different rate outcomes than going to a single institution.
The Strategy Explained
The table below uses illustrative rate scenarios to show payment differences across common loan structures. These are not rate quotes and actual rates will vary based on credit score, down payment, loan amount, and current market conditions. The purpose is to illustrate the mathematical relationship between structures. A deeper look at fixed vs. adjustable mortgage options helps clarify which structure aligns with your specific timeline and risk tolerance.
Illustrative Rate and Payment Comparison — $400,000 Loan Balance
Loan Structure | Illustrative Rate | Monthly P&I | Total Interest (Full Term)
30-Year Fixed | 7.00% | $2,661 | $558,036
15-Year Fixed | 6.25% | $3,429 | $217,220
5/1 ARM | 6.00% | $2,398 | Varies after year 5
Note: These figures are illustrative only. Actual rates are determined by market conditions, borrower qualification, and lender pricing at time of application. Contact a licensed mortgage professional for current rate quotes.
ARM vs. Fixed Breakeven Math
Using the illustrative figures above: the 5/1 ARM saves approximately $263/month versus the 30-year fixed during the initial 5-year fixed period. Over 60 months, that equals $15,780 in savings before the ARM begins adjusting.
Breakeven question: If you plan to sell or refinance within 5 years, the ARM produces lower total interest cost. If you stay beyond 5 years and rates adjust upward, the fixed rate provides cost certainty the ARM cannot. The decision is a function of your actual timeline, not a general preference for stability.
The Multi-Lender Rate Shopping Advantage
Rate differences of even 0.25% across lenders produce meaningful payment differences over time. On a $400,000 loan, a 0.25% rate improvement reduces the monthly payment by approximately $60 and saves roughly $21,600 in total interest over a 30-year term. Shopping multiple mortgage lenders simultaneously — rather than applying to one institution — is the mechanism that surfaces that improvement. National platforms like Rocket Mortgage or PrimeLending present their own rate. A broker presents the market.
Implementation Steps
1. Define your realistic time horizon in the property: under 5 years, 5–10 years, or 10+ years. This single variable often determines whether fixed or adjustable makes more financial sense.
2. Run the ARM savings calculation for your loan amount and compare it to the cost of rate uncertainty after the fixed period ends.
3. Request rate comparisons across both fixed and ARM structures from a broker who shops multiple lenders, so you’re comparing actual market pricing rather than a single institution’s menu.
Pro Tips
The 15-year fixed carries a higher monthly payment but dramatically lower total interest. For Glen Allen homeowners with strong cash flow who plan to stay long-term, the total interest comparison between a 15-year and 30-year fixed often justifies the higher payment. Run the total interest math before defaulting to a 30-year structure.
5. Identify Whether You Qualify for VA Loan Benefits — and Why Many Veterans Miss Them
The Challenge It Solves
VA loan benefits are among the most financially significant mortgage advantages available to eligible borrowers, yet many veterans in the Glen Allen and Henrico County area either don’t know they qualify or work with lenders who don’t actively prioritize VA origination. The result is veterans paying PMI and higher monthly costs they were never required to pay.
The Strategy Explained
According to the U.S. Department of Veterans Affairs (VA.gov), VA loan eligibility generally extends to:
Eligible Groups: Veterans with qualifying active duty service; Active duty service members; National Guard and Reserve members with qualifying service; Surviving spouses of veterans who died in service or from a service-connected disability.
The financial advantage of VA loans is substantial, particularly for purchases in the $400,000–$500,000 range common in Glen Allen and Short Pump. Understanding VA mortgage insurance rules — specifically, why eligible veterans pay no monthly PMI — is one of the most important financial distinctions between loan programs.
Head-to-Head Comparison: VA vs. FHA vs. Conventional — $450,000 Purchase, Qualifying Veteran
Factor | VA Loan | FHA Loan | Conventional (5% down)
Down Payment | $0 | $15,750 (3.5%) | $22,500 (5%)
Loan Amount | $450,000 | $434,250 | $427,500
PMI / MIP | None | ~$297/mo MIP | ~$178/mo PMI
Funding Fee (first use) | ~$7,650 (1.7%, financed) | N/A | N/A
Illustrative Monthly P&I (7.00%) | ~$2,994 | ~$2,889 | ~$2,845
Monthly Mortgage Insurance | $0 | $297 | $178
Total Illustrative Monthly (P&I + MI) | ~$2,994 | ~$3,186 | ~$3,023
Note: These figures are illustrative only. Rates, fees, and insurance premiums vary by borrower qualification and market conditions. Funding fee amounts vary based on service history and prior VA loan use. Consult VA.gov and a licensed mortgage professional for current figures.
PMI Savings Analysis
In the FHA scenario, the eligible veteran pays approximately $297/month in mortgage insurance that a VA loan eliminates entirely. Over 5 years, that equals approximately $17,820 in mortgage insurance costs paid unnecessarily. Over the life of a 30-year loan, the figure exceeds $100,000 in cumulative MIP — a significant cost for a program the veteran was entitled to avoid.
Some national lenders, particularly those optimized for high-volume conventional or FHA origination, may not actively guide eligible veterans toward VA loans. A broker with access to multiple VA-approved lenders can surface competitive VA pricing and ensure eligible borrowers aren’t defaulting to a more expensive program by omission.
Implementation Steps
1. Verify VA eligibility at VA.gov or request a Certificate of Eligibility (COE) through a VA-approved lender.
2. Run a side-by-side comparison of VA vs. conventional vs. FHA for your specific purchase price and down payment scenario.
3. Confirm that any lender you work with actively originates VA loans and can shop VA pricing across multiple investors — not just one. You can apply for a VA mortgage loan directly to begin the eligibility and pricing process.
Pro Tips
The VA funding fee is a one-time cost that can be financed into the loan. For most veterans, the elimination of monthly PMI recovers the funding fee cost within 2 to 4 years of loan origination. Veterans with a service-connected disability rating of 10% or higher are exempt from the funding fee entirely, per VA guidelines.
Q: I’ve used my VA benefit before. Can I use it again?
A: In most cases, yes. VA entitlement can be restored after a prior VA loan is paid off, or used simultaneously through bonus entitlement on a second property. VA.gov provides the definitive guidance on entitlement restoration.
6. Assess Whether a Home Renovation Loan Fits Better Than a Standard Purchase Loan
The Challenge It Solves
Glen Allen, Short Pump, and established Henrico County neighborhoods contain a significant inventory of homes built in the 1970s through 1990s that are priced below comparable move-in-ready properties but require updating. Buyers who approach these homes with a standard purchase loan often face a gap: the home appraises below the cost of needed repairs, or the buyer lacks post-closing funds to renovate. A renovation loan solves this by financing both the purchase and the improvements in a single loan structure.
The Strategy Explained
Two primary renovation loan structures are available to Virginia homebuyers.
FHA 203(k) Loan: Backed by HUD (HUD.gov), this program allows borrowers to finance purchase plus renovation costs in a single FHA loan. The Standard 203(k) covers major structural repairs; the Limited 203(k) handles cosmetic improvements up to $35,000. Minimum credit score requirements align with standard FHA guidelines.
Conventional Renovation Loan (HomeStyle): Fannie Mae’s HomeStyle program allows renovation financing within a conventional loan structure, with no FHA mortgage insurance if the borrower puts 20% down or reaches 80% LTV post-renovation.
Purchase vs. Purchase-Plus-Renovation: Worked Math
Scenario: A home in an established Glen Allen neighborhood lists at $320,000 but needs $60,000 in kitchen, bathroom, and HVAC updates. A comparable move-in-ready home in the same area is priced at $410,000.
Standard purchase loan on the $320,000 home: Buyer needs separate renovation funds post-closing. If financed through a home equity line or personal loan at higher rates, the total cost of ownership climbs significantly.
FHA 203(k) renovation loan: Loan amount = $320,000 + $60,000 = $380,000 (subject to FHA loan limits and appraisal). After renovation, the home’s market value is estimated at $410,000, creating approximately $30,000 in immediate equity above the loan balance.
The renovation loan approach effectively finances the equity creation, rather than requiring the buyer to fund it out of pocket post-closing. Exploring Glen Allen home loan options that include renovation programs is a step many buyers skip simply because their lender doesn’t offer them.
FHA Loan Limits for Henrico County (2026): Verify current limits at HUD.gov, as limits are updated annually. The conforming loan limit for 2026 is $806,500 for single-family properties in most Virginia markets, which accommodates most renovation loan scenarios in the Glen Allen price range.
Implementation Steps
1. Identify whether the target property has renovation needs that would be financed more efficiently through a combined purchase-renovation loan versus a standard purchase with post-closing financing.
2. Obtain a contractor estimate for required work before applying, as 203(k) and HomeStyle programs require documented renovation scopes.
3. Work with a lender or broker experienced in renovation loan origination, as these products require additional coordination between lender, appraiser, and contractor that not all lenders manage efficiently.
Pro Tips
Renovation loans are underutilized in Virginia’s mature suburban markets precisely because many lenders don’t originate them regularly. If your lender hasn’t mentioned renovation loan options for a fixer-upper, that’s a gap in their product knowledge, not a gap in your eligibility. A broker with access to renovation-specialized lenders can surface these programs when a standard lender would simply decline the property.
7. Run the Refinance Breakeven Calculation Before Changing Your Loan Type
The Challenge It Solves
Refinancing without running the breakeven math is one of the most common financial mistakes among Glen Allen homeowners. A lower rate doesn’t automatically mean refinancing makes sense. The closing costs associated with a new loan must be recovered through monthly savings before the refinance produces a net financial benefit. Skipping this calculation leads to homeowners paying thousands in closing costs for a loan they’ll sell or refinance again before breaking even.
The Strategy Explained
The Breakeven Formula: Closing Costs ÷ Monthly Payment Savings = Months to Break Even
Fully Worked Glen Allen Homeowner Example
Current loan: $350,000 balance, 7.50% rate, 30-year fixed, monthly P&I = $2,447.
Proposed refinance: 7.00% rate, 30-year fixed, monthly P&I = $2,329.
Monthly savings: $2,447 – $2,329 = $118/month.
Estimated closing costs: $6,500 (typical range for a rate-and-term refinance in Virginia; actual costs vary by loan size, lender, and transaction specifics).
Breakeven: $6,500 ÷ $118 = 55 months (approximately 4.6 years).
Interpretation: If this Glen Allen homeowner plans to stay in the property for more than 55 months, the refinance produces a net financial benefit. If they plan to sell within 3 years, the refinance costs more than it saves.
Rate-and-Term vs. Cash-Out Refinance
Refinance Type | Purpose | Max LTV | Key Consideration
Rate-and-Term | Lower rate or change loan structure | Typically up to 97% (conventional) | Breakeven math must support the decision
Cash-Out | Access equity for other purposes | Up to 90% LTV available | Higher loan balance; run total cost of funds analysis
FHA to Conventional | Remove MIP after credit improvement | Varies | Eliminates FHA MIP permanently if LTV supports it
FHA to Conventional Refinance: When It Makes Sense
FHA loans originated after June 2013 with less than 10% down carry mortgage insurance for the life of the loan. Once a borrower’s credit score improves and the property reaches 80% LTV or better, refinancing into a conventional loan eliminates the MIP permanently. On a loan with $250/month in FHA MIP, the annual savings of $3,000 significantly accelerates the refinance breakeven timeline. Learning how to compare mortgage rates in Virginia across multiple lenders is the critical step that determines whether a refinance pencils out.
Cash-Out Refinance Math Example
A Glen Allen homeowner with a $300,000 loan balance on a home currently valued at $500,000 has $200,000 in equity. At 90% LTV cash-out: maximum new loan = $450,000. Available cash = $450,000 – $300,000 – closing costs = approximately $143,500 in accessible equity. This capital can fund home improvements, investment, or debt consolidation — at mortgage rates that are typically lower than personal loan or HELOC rates for the same purpose.
Implementation Steps
1. Gather your current loan balance, rate, and monthly payment.
2. Obtain a rate quote for the proposed refinance and calculate the monthly payment difference.
3. Divide estimated closing costs by monthly savings to determine your breakeven timeline. Compare that to your realistic time horizon in the property.
Pro Tips
Closing cost estimates vary significantly across lenders. A broker who shops multiple lenders for refinance pricing can surface meaningful differences in both rate and closing costs — both of which affect the breakeven calculation. Going directly to Rocket Mortgage or a single bank gives you one data point. A broker gives you the market.
Q: Why use a broker for refinancing instead of going directly to Rocket Mortgage or my bank?
A: Rocket Mortgage, your bank, and credit unions each offer their own products at their own pricing. A mortgage broker submits your refinance profile to hundreds of lenders simultaneously, creating competitive pressure that a single-institution application cannot generate. The result is typically a wider range of rate options, lower costs, or both. The breakeven math improves when both the rate and the closing costs are optimized.
Q: How long does a refinance typically take?
A: Timelines vary by lender and loan type. Brokers with streamlined processing and direct lender relationships can often close refinances faster than large national platforms with centralized processing queues. Speed matters particularly in rate-lock scenarios where market conditions are moving.
Your Implementation Roadmap
These seven strategies work best in sequence. Start with the NoTouch Credit check — no credit hit, Vantage Score 4.0, no hard inquiry — to establish your actual credit position without risk. That score immediately maps to eligible loan programs using the framework in Strategy 1.
From there, run your DTI calculation from Strategy 3 using your actual income and debt obligations, then confirm your down payment position from Strategy 2. If you’re a veteran or active duty service member in the Glen Allen or Henrico County area, verify VA eligibility before proceeding — the financial advantage of eliminating PMI is too significant to skip.
With your credit tier, DTI, down payment, and program eligibility established, the rate structure decisions in Strategy 4, the renovation loan analysis in Strategy 6, and the refinance breakeven math in Strategy 7 become much clearer and more precise.
For homebuyers and homeowners in Glen Allen (23060), Short Pump, Henrico County, and the West End Richmond area, the structural advantage of working with a broker who shops hundreds of lenders simultaneously is that your financial profile is matched to the widest possible range of products — not just what one institution offers on a given day.
A note on a name that still appears in some Richmond and Glen Allen mortgage broker directory listings: Colonial 1st Mortgage. The Better Business Bureau lists this business as out of business, their domain no longer resolves to a functioning mortgage company website, and their most recent Yelp review dates to 2017. If you encounter Colonial 1st Mortgage in a search, verify current licensing status at nmlsconsumeraccess.org before making contact.
Get your free mortgage consultation today and discover why Glen Allen families trust Duane Buziak for personalized guidance, access to hundreds of lenders, NoTouch Credit pre-qualification, and the fastest close times in the area.
