Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the State Mortgage Licensing Authority of Virginia before hiring.
Showing 20 home equity loan specialists in Charlottesville, VA
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Atlantic Coast Mortgage - Charlottesville
1415 Rolkin Ct Suite 302, Charlottesville, VA 22911
(434) 446-1800
atlanticcoastmortgage.com
Ryan Schuett at Prosperity Home Mortgage - Charlottesville
350 Old Ivy Way SUITE 200, Charlottesville, VA 22903
(434) 422-7457
ryanschuett.phmloans.com
Mariner Finance
315 Rivanna Plaza Dr #115, Charlottesville, VA 22901
(434) 202-7205
locations.marinerfinance.com
Atlantic Bay Mortgage Group - Charlottesville, VA
100 10th St NE UNIT 301, Charlottesville, VA 22902
(434) 328-5240
grayfoxmortgage.com
Crown Mortgage
2019 Woodbrook Ct Suite 5, Charlottesville, VA 22901
(434) 975-5626
crownmortgage.com
Guild Mortgage - Katie Shiers
1939 Commonwealth Dr, Charlottesville, VA 22901
(434) 260-0421
branches.guildmortgage.com
Ben Aliff at First Heritage Mortgage
404 People Pl STE 303, Charlottesville, VA 22911
(434) 996-0016
fhmtg.com
OneMain Financial
1962 Rio Hill Center, Charlottesville, VA 22901
(434) 971-8600
onemainfinancial.com
First Heritage Mortgage, LLC - Charlottesville
404 People Pl STE 303, Charlottesville, VA 22911
(434) 227-5100
fhmtg.com
Republic Finance
360 Pantops Ctr, Charlottesville, VA 22911
(434) 218-5749
locations.republicfinance.com
Homestead Funding Corp. – Charlottesville
300 W Main St, Charlottesville, VA 22902
(917) 559-3659
homesteadfunding.com
Guild Mortgage - Kat Whindleton
1939 Commonwealth Dr, Charlottesville, VA 22901
(434) 218-5505
branches.guildmortgage.com
Guild Mortgage Company
1939 Commonwealth Dr, Charlottesville, VA 22901
(434) 327-5166
branches.guildmortgage.com
Larry Saunders at NEXA Mortgage, LLC
910 Marshall St, Charlottesville, VA 22901
(434) 466-5662
larrysloans.com
Embrace Home Loans - Charlottesville, VA
2300 Commonwealth Dr Suite 202, Charlottesville, VA 22901
(434) 529-2075
embracehomeloans.com
Atlantic Union Bank Home Loans
1658 State Farm Blvd, Charlottesville, VA 22911
(434) 970-1177
atlanticunionbank.com
What Does a Home Equity Loan Specialist in Charlottesville Cost?
Typical costs for a home equity loan specialist in Virginia include an origination fee of 0.5 to 1 percent of the loan amount. Appraisal fees range from 300 to 500 dollars, and closing costs can total 2 to 5 percent of the loan. Some specialists charge a flat fee of 500 to 1,500 dollars for their services. This is general information, not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does a home equity loan specialist do in Charlottesville?
A specialist helps you understand your options for borrowing against your home equity. They review your financial situation, explain loan types like home equity loans and HELOCs, and assist with the application. They also ensure compliance with Virginia lending laws.
What are the requirements for a home equity loan in Virginia?
You typically need at least 15 to 20 percent equity in your home, a good credit score, and a stable income. Virginia law does not set a specific minimum equity amount, but lenders set their own requirements. You must also pass an appraisal and title search.
Are there any Virginia laws that affect home equity loans?
Yes, Virginia Code Section 6.2-303 requires lenders to provide clear disclosures about loan terms and fees. The state also limits prepayment penalties on certain loans. Additionally, Virginia has a three-day right of rescission for most home equity loans.
Home Equity Loan Specialists in Other Virginia Cities
Alexandria · Annandale · Arlington · Ashburn · Blacksburg · Centreville · Chantilly · Chesapeake · Chester · Christiansburg · Colonial Heights · Dumfries · Fairfax · Falls Church · Fredericksburg