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:
- Conventional & fixed rate
- Adjustable rate mortgages (ARM)
- 100% USDA financing
- Department of HUD / FHA loans
- Veterans Administration
- Construction to permanent loan for new construction
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
|Having nearly 20 years of successful sales experience, Christine believes in going the extra mile for every customer with strong communication and follow-up throughout the loan process. She focuses on long-term fixed rate mortgages, including FHA, VA, USDA, and conventional. Christine graduated from Southside Virginia Community College with an Associate’s Degree in Business Management and has attended several advanced sales training courses throughout her career achieving award winning accomplishments. Christine covers Farmville, Blackstone, Crewe, Clarksville, Chase City, and Victoria. She can be reached using our online form, by emailing her at firstname.lastname@example.org, or by calling (434) 392-9088. (NMLS #1529008)|
|As a residential loan officer with over 20 years of experience, Sheila feels it is truly an honor to be trusted to guide you through the lending process. She focuses on new construction lending as well as long-term fixed rate mortgages, including FHA, VA, USDA, and Conventional loans. She has attended several advanced sales training courses throughout her career and has been awarded for her excellent customer service and sales. Sheila covers Henderson, Wake Forest, and Youngsville in North Carolina. Sheila can be reached using our online form, by emailing her at email@example.com, or by calling (252) 436-0051. (NMLS #586924)|
|Sheryl, a native of Kenbridge, has over 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 firstname.lastname@example.org, or by calling (434) 447-4256.(NMLS #456819)|
|A graduate of Liberty University, Matt takes the time to guide his customers through each step of the mortgage loan process to ensure they get the best experience possible.He has received numerous awards for sales and customer service. He is a former member of the board of directors for the Virginia Manufactured & Modular Housing Association (VAMMHA). Licensed in Virginia and North Carolina, Matt specializes FHA, VA, USDA, and conventional mortgages. He covers Halifax County in Virginia and Henderson and Wake Forest in North Carolina. Matt can be reached using our online form, by emailing him at email@example.com, or by calling (919) 556-5972. (NMLS #1236114)|
The Mortgage Process
You can start the mortgage process at Benchmark any one of 3 ways:
- Get pre-qualified! It's easy and takes just a few minutes!
- Complete an online application.
- 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 Christine, Sheila, Sheryl, or Matt? 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
- Home improvement loans
- Home equity - fixed rate loans or lines of credit
- Loans for vacation homes or rental properties
- Loans for commercial property
- Land purchase loans
- Agricultural loans
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 RentalsPart 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.
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.