Central Virginia is a wonderful place to live, and choosing to buy or build your dream home here couldn’t be better. You’ve come to the right place at Citizens One for all your home financing needs.
With over 35 years of experience as a residential mortgage loan officer – and all of those years serving clients in the Richmond area – I’m very knowledgeable about a variety of loan programs.
If you’ve been considering building or renovating a home, I also specialize in construction-to-permanent financing. We have a great program at Citizens One, so don’t hesitate to call me for more information.
I’ve worked with hundreds of satisfied clients over the years, and I am equally committed to providing you with outstanding service. Whether you’re a first-time homebuyer or a seasoned homeowner, I’ll walk you through the mortgage process and answer whatever questions you might have, big or small. I look forward to serving you as your loan officer.
Education & Certifications
- Citizens One Construction-to-Permanent Certified
Our team of mortgage experts at Citizens is committed to helping customers find the home loan solution that’s right for them. We offer a variety of programs: affordable home loans, government loans, jumbo financing, new home construction-to-permanent financing, and more. Whatever your mortgage needs—buying a home, building a home, or refinancing an existing mortgage—we’ll provide answers and insights to guide you through the process, from application to closing.
Featured Products & Services
- Fixed and adjustable rate mortgages
- Affordable home financing programs
- FHA/VA loan programs
- Jumbo loans
- Condo financing
- Physician home loans
- Second home and investment property loans
- Construction-to-permanent financing
- Renovation-to-permanent financing
Fast. Convenient. Easy. Apply Online Today.
Our simple online mortgage application process makes it faster for you to get a new home loan. Easily connect your financial documents and get through the application in as little as 10 minutes!²
Manage Your Mortgage on the Go
The Citizens One Home Loans® mobile app is an easy and convenient way to manage your Citizens mortgage on the go. Available from the App Store® or Google Play.³ Download and register today!
Get 0.125% Mortgage Interest Rate Discount
Ask me how you could save money when you set up automatic payments from your checking account and enroll in electronic billing statements for your new home loan.
Mortgage Learning Center
We’re here to make sure you have the resources and solutions to help you reach your potential. Starting your research early is often the key to a successful financial transaction. With that in mind, we’ve put together a guide to help you learn more about mortgages and the home buying process.