Charlottesville VA Real Estate

Selecting a Mortgage Lender

The financial aspects of buying or selling a home can be daunting. That’s one of the reasons you’re working with me - I can help you. Whether you're a first-time home buyer who needs a basic explanation of PITI (Principal, Interest, Taxes and Insurance) or a veteran who is interested in exploring the benefits of a 1031 tax-deferred exchange, I can help you through the financial maze, and also help you with selecting a mortgage lender.

Selecting a mortgage lender is an important decision for every home buyer. Different lenders offer different rates and loan programs. Selecting the right lender is a personal choice to be made by you. My advice is to evaluate multiple lenders in order to find the one that offers the best program at the best rates for your individual situation. There are many lenders to choose from - see below for a listing of my preferred local mortgage lenders, in alphabetical order. These are lenders with whom I have worked in the past, and I have found them to be able to hold up their end of the deal in a professional manner. Please feel free to expand your search beyond this list; however, I can personally vouch for these lenders as we have worked a number of deals together in the past.

PHH Mortgage
Lynda Mills with PHH mortgage. PHH Mortgage has been given the special designation of being the only lender in the nation that carries the Fannie Mae Seal of Approval. With this designation they are able to approve loans that would traditionally not be eligible for Fannie Mae financing.  For more information, call or email Lynda Mills today - she can approve your loan in record time, and will provide scenarios for you to help you figure out which loan program is best for you.  Call 434.975-5552, email Lynda or visit her on the web.

SunTrust Mortgage
SunTrust Mortgage, Inc. is a wholly-owned subsidiary of SunTrust Bank - a $127.8 billion financial institution operating in Virginia, the District of Columbia, Maryland, Georgia, Alabama, Tennessee and Florida. Currently, SunTrust Mortgage, Inc. originates loans through 135 locations in SunTrust markets and adjacent states, maintains correspondent and broker relationships in 48 states and services loans in 50 states and the District of Columbia. Ty Smith is an experienced, responsive Vice President and Mortgage Loan Officer in the Charlottesville office of SunTrust Mortgage. He can be reached at 434-979.6063 or via email at Ty.Smith@SunTrust.com. Visit SunTrust Mortgage today for more information or to apply online.

Wells Fargo Home Mortgage
Wells Fargo Home Mortgage is one of the nations leading retail mortgage lenders. They are dedicated to providing top customer service and assistance in finding the tailored solution that meets your home buying or refinancing needs. Joe Fallica is an experienced, local Loan Officer in Charlottesville's Glenwood Station office of Wells Fargo Home Mortgage. He can be reached at 434-978-3487 or via email at joe.fallica@wellsfargo.com. Visit Wells Fargo Home Mortgage today for more information.

Featured Homes
(scroll down for more):
*************************************** Click here for all the details on these homes currently for sale, or click the photos to see a Visual Tour:

****************************************
Call or email me for more information.

Steve Taylor
434-249-4972
800-544-4727 (fax)