The home-building journey is filled with a variety of important decisions. With the knowledge and experience you need, our professionals ensure that the entire mortgage process is a smooth and enjoyable one.

Towne First Mortgage offers a wide array of loan programs to provide you with the best possible fit for your individual mortgage needs. We pride ourselves in providing excellent customer service and establishing long lasting customer relationships.

MORTGAGE OPTIONS:
VA: No downpayment and no monthly mortgage insurance for veterans, active duty servicemen and qualifying family members when staying within VA loan limits

FHA: As little as 3.5% downpayment for first-time homebuyers

CONVENTIONAL: Fixed rate or adjustable rate loans with up to 95% financing

VHDA 97%: As little as 3% downpayment and no monthly mortgage insurance. VHDA is for Virginia Residents only.

VHDA FHA PLUS 101.5%: 1st mortgage of 96.5% and 2nd mortgage of 3.5-5% of sales price to help fund your downpayment and closing cost. VHDA is for Virginia Residents only.

USDA: Perfect for rural buyers, with up to 102% financing and low monthly mortgage insurance.

Construction loans are also available. Build your dream home on your own lot!

MORTGAGE CALCULATOR

Call Direct: 804-839-8620     |    GET PRE-APPROVED NOW

The guidance of a trustworthy and experienced mortgage professional
can simplify any home financing experience. Towne First Mortgage
has a wealth of knowledge and resources to assist you in finding
the best loan to meet your individual home buying needs. We pride
ourselves in providing excellent customer service and
establishing long lasting customer relationships.

As an experienced lender, Zoila Sedlak is available to guide you
through the home financing process. Whether you are purchasing
your first home, an investment home, refinancing or just need
mortgage advice, Zoila Sedlak can help.