Virginia Heritage Mortgage is Division of Virginia Heritage Bank and a direct lender licensed by the State Corporation Commission of Virginia. With the recent turmoil in the market consumers trust their local financial institutions for guidance in securing a mortgage loan for their home purchase or re-finance. Virginia Heritage Mortgage has seasoned team of mortgage bankers and bankers to ensure that your loan experience is stress free and that you are placed in the right loan to meet your financial objective. 

What is a Direct Lender?

As a direct leader all loans are closed in the name of Virginia Heritage Bank, your bank and all decisions regarding the approval, appraiser, closing agent or attorney are made right here in our offices located at 4211 Pleasant Valley Road, Chantilly Virginia 20151. Our staff will keep you informed and will always be available to:

• Discuss and explain financing program options
• Informs you, in writing, of lock-in options
• Explain all documents of the loan application
• Explain all associated costs of the loan application
• Explain the disbursement of all loan applications
• Explain the loan process, from application to closing
• Provide you with a good faith estimate of cost and fees
• Communicate with you throughout the loan process in a timely manner
• Coordinate the final closing of your transaction