About our Home Mortgage Division

Whether you already own a home or are looking to buy for the first time, Benchmark can help.

Buying a home is one of the most important decisions you make in life. So is financing that home. The key is finding the right lender; one who will explain things carefully and get you the best terms; one who is watching out for your best interests. Benchmark is that kind of lender. We offer a variety of home loans, including both fixed rate and adjustable rate mortgages. We also offer refinancing for those wishing to consolidate loans and/or lower their interest rate.

Our Mortgage Products include:

First home purchase? Get answers to the 6 most commonly asked questions by first-time buyers.

Have special needs? Check out our custom loans.

Apply Now Contact a Mortgage Officer

Meet our Mortgage Officers

Sheryl Gee Burgay

Sheryl, a native of Kenbridge, has 30 years of mortgage lending experience and is well-versed in all aspects of the loan process as well as the appraisal process. In addition to attending Southside Virginia Community College, she has earned the FHA Direct Endorsement Underwriter certification and has completed several other real estate courses. She covers Kenbridge, South Hill, Brunswick County, and the Lake Gaston area. Sheryl can be reached using our online form, by emailing her at sheryl.burgay@bcbonline.com, or by calling (434) 447-4256.

Kim Helms

Kim has 20 years of broad mortgage experience including owning and operating her own mortgage company. She has also worked for some of the mortgage "giants." She says that being associated with a community bank like Benchmark gives her and her customers the best of both worlds - the unbeatable combination of great products and personal service. Kim, who attended J. Sargent Reynolds Community College, covers the Farmville, Crewe, and Blackstone markets and welcomes applications from Amelia and Dinwiddie Counties as well. She can be reached using our online form, by e-mailing her at kim.helms@bcbonline.com or by calling (434) 392-9088.

Holly Blackwell

With over 14 years of experience in the mortgage and retail banking industries, Holly works with customers to help them with loans to get them into their new homes. Holly is a business administration graduate of Longwood University, as well as the Virginia Bankers Association’s School of Bank Management. She's served on the Board of Directors for the South Hill Chamber, has been a member of the South Hill Planning Commission, and is a member of the CMH Winterfest committee. For residential lending solutions in the South Hill, Clarksville, and Mecklenburg County region, you can reach her by using our online form, by e-mailing her at holly.blackwell@bcbonline.com or by calling (434) 447-4256.

The Mortgage Process

You can start the mortgage process at Benchmark any one of 3 ways:

  1. Get pre-qualified! It's easy and takes just a few minutes!  

  2. Complete an online application.
  3. Meet with a mortgage officer.  You can request an appointment below!

When you meet with your mortgage officer, your mortgage application is either reviewed (if you applied online) or completed. Then the officer assists you in completing the necessary documents, inspections, insurance arrangements, and other details associated with the purchase of a home. They also do whatever they can to expedite approval of the loan.

The final step in the mortgage loan process is the closing. This is a momentous occasion for most folks and the mortgage officer shares in that joy. He or she will also, however, make sure that you understand all of the details of your purchase and mortgage loan. Above all, Benchmark wants you to be a satisfied, well-informed homeowner!

Apply Now Contact a Mortgage Officer

Ready to talk with Sheryl, Kim, or Holly? Make an appointment now! They will meet with you at the Benchmark branch nearest you. If that is not possible, alternate arrangements can be made.

 

Other Real Estate Loans

Benchmark also offers a variety of other real estate loans including:

Home Construction Loans

If you're thinking about building a new home, you're looking at the right bank for financing!  Benchmark has a good working relationship with a number of quality area builders.  Read about our "No Surprises" construction to perm loan process here.

Home Equity Line of Credit

When you own a home, it means you may have a resource for extra cash to do those things in life that are important to you. You can also use it to consolidate your finances. We offer both fixed rate, fixed payment home equity loans and adjustable rate lines of credit. The application process is easy and closing costs are usually low. Best of all, the interest you pay may be tax-deductible.

Home Improvement Loans

Owning a home means there's always something to improve or repair. When it's something major, you may need to borrow to get it done. Benchmark offers competitively priced loans for these improvements. A loan officer can give you the details, explain our loan process, and describe your options.

Mortgages for Second Homes or Rentals

Part of our market area is lake country so we are used to structuring loans for vacation homes. We also have many customers who enjoy owning rental properties. We can help with either of these scenarios.

Land Purchase Loans

If you are buying a lot or acreage for farming, recreation purposes, future use or any other purpose other than to build a home, you have probably discovered that it is a bit more difficult to find willing lenders. The good news is that Benchmark can probably finance it for you. A loan officer can give you the details, explain our loan process, and describe your options.

Agricultural Loans

If you are a farmer or operate an agri-business, Benchmark can help in a number of ways.  Any one of our business bankers can explain how!

Ask a Question Contact a Loan Officer


The Loan Process: What to Expect

At Benchmark, we take the time to make sure you are getting the right loan to match your needs. If you are buying or building a home, you can now apply online or you can contact a mortgage officer. For home equity products and land purchases, you should contact a loan officer. To help get the process started, use our contact form and indicate that you are looking for a new loan. After it is submitted, we will contact you and arrange for you to meet a loan officer at a branch near you. The loan officer will answer all your questions, make sure you understand how your loan will work, and get you an answer as quickly as possible.  Click here to read our 10 Reasons to Choose Benchmark for your next loan.

Ready to talk with a mortgage or loan officer? Make an appointment now!  He or she will meet with you at the Benchmark branch nearest you.