When shopping for a mortgage, we recommend you apply to at least three (3) lenders. Inform each that you are a first-time home buyer and ask them about their current Down-Payment Assistance (DPA) program(s). Making at least three applications gives you options, allowing you to choose the best mortgage loan for you, and encourages lenders to give you their best deal up front.

We recommend you complete and submit your applications within a fourteen (14) day period. This will allow you to receive and evaluate all of the applications and minimize any impact to your FICO score. It will also give you ample time (another two weeks) to receive and give careful consideration to their offers. Below is our list of preferred lenders. Select any three (3) lenders and contact Housing Services to get a referral for mortgage pre-approval or mortgage pre-qualification.:

	Rick Anthony Movement Mortgage NMLS #265209 VHDA DPA Grants		Barry Sharif Meadowbrook Financial Mortgage Bankers NMLS #528759 VHDA DPA Grants
	William Glacken Citibank, N.A. NMLS: #1011993 DC Metro Only Citi DPA Grants in D.C.		Kelly Stevenson Atlantic Bay Mortgage Grp NMLS #1449508 VHDA DPA Grants
	Judi Jurey Truist Home Mortgage NMLS #415292 Truist & VHDA DPA Grants		Ronetta Sykes First Home Mortgage NMLS #1490145 VHDA DPA Grants
	Sereva Manuel Homespire Mortgage NMLS: #739808 VHDA DPA Grants & Chenoa Fund		Marion Uzzle Fulton Mortgage NMLS #211283 Fulton DPA Grant
	Karl Pereira Bank of America NMLS: #1910625 Community Loan DPA & CCA Grants		Shawnte Williams ABNB Federal Credit Union NMLS #664487 ABNB DPA Grant
	Shetika Pope Fidelity Direct Mortgage NMLS: #1613636 FHLB, FDM, and VHDA DPA Grants		Gnorae Wright Cross Country Mortgage NMLS #64340 CCM Smart Start DPA Grant

When shopping for a mortgage lender, your should also take the time to investigate any and all down-payment assistance and closing-cost assistance programs you may be eligible for. See the Down-Payment Assistance Programs page for potential grants and other resources.

Once you have secured pre-approval, and decided the best financing, select your real estate team.  Visit our Real Estate Affiliate page to review the profiles of our real estate professionals, then let us know which real estate (buyer’s) agent you would prefer to work, along with your home inspector, insurance, and closing/settlement service providers and we will issue the appropriate notices to contact you promptly..

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