Jack LaVoie - Village Bank Mortgage

at 780 Pilot House Dr Suite 500B, Newport News , 23606 United States

1. Loans

Senior Loan Originator NMLS #1163431 Senior Loan Officer Equal Housing Lender

Description

At Village Bank Mortgage, we believe you are a neighbor, not a number, and that dedication to serve shows in everything we do and say. From the uniquely personal attention we give every individual and business referral partner to the time we spend volunteering in our communities’ numerous charities, Village Bank Mortgage is far more than just another mortgage company. It is a place where the power of friendship, community and people working together toward a common goal is alive and prospering; a place where everyone really knows you by name. Ever since we opened our first branch in 1999, our goal has always been the same: To be the best mortgage company in the areas we serve by providing superior services and by helping the community around us grow and prosper. Being locally owned and operated means that we are connected to everyone that we serve and even to those who might not do business with us. We hope that through our efforts we can help those in need and inspire others to donate their time and resources in helping the community as well. That is why several of our Loan Officers have been recognized as Top Producers by the Virginia Housing Development Authority(VHDA) and our affiliate Heltzel Mortgage was recognized as the Top Mortgage Company in Prince William County. We have offices all over the State of Virginia. We believe that providing neighbors with the resources to purchase a home is the most important service we can offer. Loan Programs The following is a partial list of programs offered by Village Bank Mortgage Corporation with a brief description of the key elements of each. For a complete list of the programs that we offer, please contact us at 804-330-9800. Grant Funds VHDA Loans Conventional Rural Housing VA Mortgages FHA Mortgage Jumbo Loans 97% LTV Loans Investor Loans Construction Loans Second Mortgage Loans High Debt Ratio Loans Challenged Credit Loans No Down Payment Grant Funds If applicable, you may qualify for up to $10,000 for first-time homebuyers. VHDA Loans Preferred lender with one of the best bond funded financing programs in the Country. Conventional Traditional loan programs that usually require 5% down and offer competitive interest rates. Documentation and fair-to-good credit are necessary. Rural Housing Rural Housing up to 102%. VA Mortgages Backed by the Veterans Administration and the federal government, it is similar to FHA except that you have to be a qualified Veteran or military person. FHA Mortgage Backed by the Department of Housing and Urban Development, this mortgage offers the borrower the ability to put as little as 3% down payment and they can even finance “allowable” closing costs. Seller can contribute up to 6% of the purchase price to the buyer towards closing costs. Jumbo Loans Offers 30 and 15 year fixed rate mortgage and competitive ARM products with full document, alternate documentation and limited documentation. Cash out and No cash out refinance are allowable. Single family detached, Condo’s, PUD’s and single-family second homes can be financed with no prepayment penalty. 97% LTV Loans New loan product where qualified borrowers can put down 3% with no mortgage insurance required. Investor Loans Used to finance 1-4 family properties that will be for investment with as little as a 20% down payment. Construction Loans Building a new home can be an exciting prospect – unless you get caught up in a construction loan approval process that is overly complicated and time consuming. With this loan, we will finance up to 90% of the cost of land plus the costs of construction. We offer a one-time fixed rate closing or traditional ARM products. Second Mortgage Loans Subordinate to the first mortgage, these loans offer the borrower the ability to get money for home improvement, debt consolidation, or many other reasons without disturbing their first mortgage. Convenient when you have a low interest first mortgage. High Debt Ratio Loans A ratio of monthly bills to monthly income higher than 50% is considered a high debt ratio. Loan programs are available for borrowers in this situation, allowing them to finance the purchase of a home or property. Challenged Credit Loans These mortgages are for borrowers with less-than-perfect credit. They can vary from slightly damaged credit to severely damaged. Regardless of your situation, we have a mortgage that will get you back on track. Or, we will work with you to repair your credit. No Down Payment 0% down payment required and closing costs paid by the borrower (seller can contribute up to 6% towards closing costs).

Company Rating

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Summary

Jack LaVoie - Village Bank Mortgage is Newport News based place and this enity listed in Loans category. Located at 780 Pilot House Dr Suite 500B VA 23606. Contact phone number of Jack LaVoie - Village Bank Mortgage: (757) 303-6836