Local lender directory
Mortgage Lenders in Richmond, Virginia
Compare local mortgage contacts in Richmond, Virginia, including Bank of America, CrossCountry Mortgage, Fairway Home Mortgage, and Guild Mortgage. Find official links and questions to ask before requesting a Loan Estimate.
Before you apply in Richmond
Read the local program details, work through a cash example, and check the official sources before making a financing decision.
Compare 4 local lender contacts
These city listings come from official lender directories. Check the office or advisor address, hours and service area before making an appointment. A local listing does not guarantee product availability, eligibility or approval.
| Provider | Official contact and loan information | What to ask |
|---|---|---|
| Bank of America Bank mortgage team | Local lending specialists for Richmond Official mortgage information | Ask the listed specialist whether any grants or closing-cost programs apply at the property address and how they affect your final cash to close. |
| CrossCountry Mortgage Mortgage company | Local mortgage lender directory for Richmond Official mortgage information | Ask who handles applications for the property address and whether the written quote includes any lender fees or credits tied to the loan program. |
| Fairway Home Mortgage Mortgage company | Local branch for Richmond Official mortgage information | Ask which purchase programs the branch can quote and what documents it needs to prepare a written Loan Estimate. |
| Guild Mortgage Mortgage company | Mortgage branch directory for Richmond Official mortgage information | Ask which programs the branch can quote for your occupancy and property type, and whether a condo or assistance program adds review time. |
What to confirm before applying
Ask whether the contact can handle your property address, loan type and expected closing date. If you’re using down-payment assistance, confirm that the lender participates in the specific program. Ask for the loan officer’s NMLS ID so you can verify their record.
Build a monthly housing budget
For the address in Richmond, confirm taxes with the assessor, get a homeowners insurance quote, and ask for current HOA dues and assessments. Check the FEMA flood map before budgeting separate flood coverage.
Illustrative example: A $400,000 loan at 6.5% fixed for 30 years costs $2,528.27 in monthly principal and interest. Add $500 in taxes, $150 in homeowners insurance, and $100 in HOA dues for $3,278.27 per month. These are sample inputs. Add any mortgage or flood insurance separately.
Calculate with your own costs · Follow the mortgage offer checklist
Compare offers for the same Richmond property
- Keep the request consistent. Give each lender the same property address, price, down payment, occupancy, property type, loan term and target closing date.
- Get comparable written terms. Ask about the rate lock and compare the note rate, origination charges, points, lender credits and mortgage insurance. Compare estimated cash to close separately from ongoing cost.
- Confirm the property costs and timing. Request an insurance quote for the address and check the property tax estimate. If buying a condo, ask how dues and building approval affect the loan and closing schedule.
Compare your Loan Estimates with the calculator, read the CFPB guide to comparing estimates, or check a provider through NMLS Consumer Access.