Business Details
Your Trusted Mortgage Broker in Newport News, VA
Virginia Mortgage Bankers has been a trusted leader in the mortgage industry since 1992, dedicated to providing personalized financial solutions for homeowners and investors. With a nationwide network of over 1,300 loan officers and partnerships with nearly 200 lenders, we offer access to more than 2,500 loan programs tailored to meet diverse client needs. Our expertise spans traditional mortgages, reverse mortgages, jumbo loans, and specialized financing for self-employed individuals and real estate investors.We prioritize client relationships, leveraging decades of market experience to deliver competitive rates, innovative strategies, and exceptional service. Our commitment to integrity, transparency, and customer satisfaction has solidified our reputation as the largest mortgage broker in the United States, consistently outperforming traditional banks in pricing and service quality.
Services
Traditional Loans
Reverse Mortgages
Jumbo Loans
Real Estate Investor Loans
Stated Income Loans
Highlights and features
- We offer access to over 2,500 loan programs through 180+ lenders nationwide.
- Our loan officers have decades of experience, not months or years.
- Specialized loan options for self-employed borrowers and real estate investors.
- Expert guidance in reverse mortgages to enhance retirement financial security.
- Proven track record of closing loans faster than traditional banking institutions.
What people say
Highly recommend Benjamin Borden
Great from day one
Impressed with processing speed
Expert strategies
Truly wonderful experience
Services
Traditional Loans
Traditional loans include FHA, VA, and conventional mortgage options for primary residences, investment properties, and new construction. These programs offer competitive rates, flexible down payment requirements, and various term lengths to suit first-time buyers and experienced homeowners. Our experts guide clients through the application process, ensuring optimal loan selection based on individual financial circumstances.
Reverse Mortgages
Reverse mortgages enable homeowners aged 62+ to convert home equity into tax-free cash without selling their property. This solution provides financial flexibility for retirement expenses, debt consolidation, or legacy planning while maintaining home ownership. Our counselors explain eligibility requirements, line-of-credit growth benefits, and HUD-approved requirements for secure retirement funding.
Jumbo Loans
Jumbo loans exceed conforming loan limits up to $10 million for luxury properties or high-cost areas. We offer competitive rates for qualified borrowers with strong credit profiles, including specialized programs for VA, FHA, and stated-income applicants. Our network ensures access to non-conforming loan products that traditional banks cannot match in pricing or flexibility.
Real Estate Investor Loans
Investor loans cater to real estate professionals seeking financing for rental properties without traditional income documentation. Options include bank statement loans, DSCR (debt service coverage) programs, and limited-documentation solutions for portfolios of all sizes. Our specialists help investors secure favorable terms based on property cash flow and asset strength.
Stated Income Loans
Stated income loans serve self-employed borrowers using bank statements instead of tax returns to verify repayment ability. Available for 3-, 12-, or 24-month periods, these programs accommodate entrepreneurs, physicians, and gig workers with complex financial profiles. We partner with niche lenders to provide competitive rates for high-net-worth individuals facing traditional underwriting challenges.
People
Benjamin Borden
Mortgage Advisor
With 30+ years in financial services, Benjamin Borden specializes in customized mortgage solutions for unique client situations. His expertise spans complex loan programs, retirement planning, and investor financing, prioritizing transparent communication and long-term client relationships.
Questions
What mortgage loan options do you offer?
We provide conventional, FHA, VA, jumbo, reverse mortgages, and specialized programs for self-employed borrowers and real estate investors.
Can I qualify for a mortgage without traditional income documentation?
Yes, we offer bank statement loans and DSCR programs for self-employed individuals and investors who need alternative income verification methods.
How do reverse mortgages benefit retirees?
Reverse mortgages convert home equity into tax-free cash, eliminating monthly payments while providing financial flexibility for retirement expenses or legacy planning.
Do you serve clients outside Virginia?
As the largest mortgage broker in the U.S., we serve clients nationwide through our network of 1,300+ loan officers in all 50 states.
How quickly can you close a mortgage loan?
Our average closing time is 14-45 days depending on loan complexity, significantly faster than traditional banks' typical 45-60 day timelines.
