Scott Desmond

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Put your hard-earned money into a home of your own, not your landlord’s pocket! I can get you into your own home with no down payment required upfront. Call today!

Why pay more when you can pay less? Our wholesale lenders don't have the same overhead costs as retail banks, which can result in significant cost savings for you. Let's work together to make your home loan affordable. Call me at (434) 424-1167!

Tired of your bedroom feeling like a blast from the past? With a HELOC, you can bring it into the present. Not only can you create a more relaxing space, but your home's value might also benefit. Let's get started!

Real Estate Agents – we understand the urgency clients face when navigating a divorce. That’s why we work quickly and efficiently to help them move on to their next chapter. If you’re looking for a mortgage partner to help, call us today.

Getting a home loan can be a hassle for self-employed folks as you don’t receive a regular payroll check like most people do. With a Bank Statement Loan, all you need are your bank statements. Contact me and I’ll tell you more!

Getting your finances in order should be your first step in house hunting. It’s important to keep things as consistent as possible and put off any major money moves until you’ve been approved for your new mortgage. Call me for more info.

Wondering how much $ you’ll need to buy a rural home? Maybe none if you qualify for a USDA loan! From 100% financing – meaning no down payment – to some loans allowing closing costs be written into the loan – home ownership is in reach! Call us today to learn more.

There are lots of reasons why you should work with an independent mortgage broker for your next home purchase. Call me today!

Our VA loans are here to serve you and save you money with a low interest rate, no down payment and fast closings. Call me now to get started (434) 424-1167. Or, start your application now with this link: https://1l.ink/JTJ5KDF

It would be my honor to help you.

Buying a home should be fun! As independent mortgage experts, we have your back and can help you every step of the way.

House shopping? Ask about our Temporary Rate Buydown options that can give you a lower monthly mortgage payment at the start of your loan. Contact me to learn more.

Did you enjoy your experience with us? Tell someone about it! If you know of anyone looking to move, we'd love to help them just like we did you. Thank you!

Track your loan like tracking a package through the mail! With real-time tracking and up-to-date loan status information, we have the technology that brings you peace of mind. Call today.

When you work with me for your mortgage, you can close on your house from anywhere — whether you're on the couch, on a boat or on the beach. Contact me to learn more.

Bring your revolving credit payments down to earth by consolidating them with a lower-interest Home Equity Line of Credit (HELOC). Ask me how easy it is and how much I can save you.

Sometimes the best gift you can get over the holidays is money from family and friends. When added to other money you've been saving, it could add up to be the perfect amount for a down payment on a home. Give me a call so we can figure it all out.

Perhaps you'll pay off some bills, update your home or travel to far away places. No matter the reason, using the equity you already have in your home is a great way to get the new year off to a new start. Give me a call to get started.

Seems reasonable enough

Ready to upgrade more than just your address? You could purchase your next home with as little as 3% down and spend more money on fresh home décor and the new furniture you’ve always wanted. Call today to get started.

Lowering your mortgage payment would be a huge victory for you — and using seller concessions toward a temporary rate buydown is a great strategy to lower your interest rate at the start of your loan. Reach out to hear my game plan for your success!

Don't drown in paperwork to make your mortgage happen. Contact me to learn how you can e-sign loan docs and I'll handle the rest.

Are you ready to make the move into a home of your own? Call us today and let’s discuss your loan options! (434) 424-1167

Need to strike quickly on your home loan? When every minute matters, call me — I can help you get an initial loan approval in as little as 15 minutes.

Real estate agents: Say goodbye to delays at the closing table thanks to instant funding! Use it to get your buyers through closings quickly and stress-free, so you can give them a great experience. Reach out to learn more!

Get more space — possibly for less each month than you are paying in rent — when you buy a home of your own. We work with dozens of lenders to find the right loan options for you. Call today to learn more.

Found your dream home and need a dream loan? Get an initial approval lightning fast — in as little as 15 minutes. Contact me to get started.

May the glow of each candle make your heart and home happy.

Want to increase your credit score and improve your chances of qualifying for a home? Try doing things like paying down debt, making timely bill payments and keeping your credit card balances low.