mortgage help

Finding your dream home is closer than you think...

Get The Home Buyers Roadmap & All The Information You Need About Getting A Mortgage Loan Before You Start Searching For A New Home.

Why Speaking To A Licensed Mortgage Professional Is The Best First Step

You will get a copy of your credit report for your records.

Finding out exactly where you stand in the eyes of your creditors and the exact credit score we will use to rate your loan.

A step by step walk through of the home buying process.

This will help you fully understand the in's and out's of a purchasing a home and remove any confusion.

An estimated house payment that you will qualify for.

Establishing a payment "comfort zone" and estimating your ideal home price based off that information.  It is important to us that you stay in the comfort zone of your income, this way you can continue with as little lifestyle change as possible.

When finished, you will know a price range of the dream home you can start looking for.

Having a price range to start shopping in can help simplify the process and eliminate a lot of the homes that will not meet your needs.

What loan programs are available and the pro's & con's of each different loan type.

In some instances you will have multiple financing options available to you.  These can change with property type, credit score, down payment, etc.  Understanding how each type of loan can benefit you will help you make a great decision when purchasing a home.

What down payment assistance & grant programs you are eligible for.

You may be eligible for down payment assistance or a grant to help you purchase a home.  We will determine if you meet the requirements for these programs and how much you will qualify for.

Your Mortgage Professional

Since 1998, Jimmy has been helping people Purchase, Build, Renovate, & Refinance real estate of all types.  It doesn' t matter if you are purchasing your first home or building your dream home, I can help!  It doesn't matter if you are adding on three bedrooms or just redoing your bathroom, I can help!  People have entrusted me over the years for providing the right information for whatever their financing needs may be.

Williamsburg va loan officer

Jimmy Sgambelluri, NMLS ID# 615259

Marc Stevens ( Web Design Media )

What People Are Saying...


Here are answers to some frequently asked questions:

How much does this cost?

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What states are you licensed in?

What happens next?

Do you offer any grants or down payment assistance?

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***A pre-qualification is not an approval of credit, and does not signify that underwriting requirements have been met.

Jimmy Sgambelluri

Jimmy Sgambelluri

Loan Originator

NMLS ID#615259