Virginia One Mortgage Corporation
746 Walker Road, Suite 14
Great Falls, Virginia 22066
Map & Directions

Toll Free: 1-877-957-5700 Direct Line: (703) 624-5743
Fax: (703) 579-1965
Local Virginia Company, Excellent Local Service
About Virginia One Mortgage Corporation  •  Mike Flannagan - Principal Banker

When it comes to buying a home, no two dreams are ever alike. Whether you want a loan for a first home, a Luxury move up home or a building lot to build your own Dream Home, you need a mortgage expert with the resources to make it happen.

Meet Mike Flannagan, of Virginia One Mortgage. He’s a mortgage specialist with more than 11 years experience in the mortgage business who knows how to focus on the unique needs of each and every borrower, while tapping into some of the nation’s largest mortgage resources. You have got a “Neighbor & Friend” in the mortgage business.

Just tell Mike what your want to accomplish. He’s ready to exceed your expectations.

About Us

VIRGINIA ONE MORTGAGE CORPORATION is a Mid-Atlantic based mortgage company serving home buyers and owners in Virginia for 5 years. The company offers mortgage loan products for the purchase or refinance of residential real estate.


With more than 50 years of lending experience, Virginia One has the resources to provide financing for all residential property types and credit levels.

The extensive knowledge and experience of Virginia One's dedicated lending officers provides clients with more than a mortgage, they get the insight, skill and perspective that traditional lenders are not prepared to offer.

Click Here for more detailed information about our company.

 

Virginia One is happy to provide you with the mortgage loan that you request. However, we will also provide you with an analysis of other lending options so that you can make an informed borrowing decision based on an objective review of the facts. A mortgage is more than a way to buy a home, it is an important investment tool and should be considered in balance with your long term financial planning strategies and investment goals.

Virginia One specializes in mortgage products and programs such as:

  • Negative Amortization
  • COFI (cost of funds index)
  • MTA Option A.R.M.
  • Custom Loans for Custom Homes
  • Many Others


How to Get a Loan

Once you select Virginia One Mortgage Corporation to obtain your home loan, you'll be amazed at how quickly and simply the loan process moves. Before you know it, you'll have a mortgage that suits your lifestyle and saves you money.

Throughout the loan-application process, we provide you with regular updates. You can also e-mail us with questions or new information. And if you want assistance, a mortgage expert who can answer questions is just a phone call away.


Here's an overview of the loan-application process.

Note: The below process assumes the borrower(s) will be approved for the loan.

STEP ONE -- Determine how much you can borrow

Click Here to find out how much home you can buy, even before you begin looking. Once you've answered a few simple questions, we'll calculate your buying power, based on standard lender guidelines.

STEP TWO -- Pre-Qualify and save money

To complete the pre-qualification step, click on the Get Pre-Qualification letter button. You'll need to supply some brief information about employment, assets, etc. We'll contact you for authorization to obtain your credit report. Once we've reviewed this information, we'll issue your Pre-Qualification Letter, which gives you the clout of an "all-cash" buyer. As you begin looking for a home, we'll begin looking for the best loan to meet your specific needs. Your Real Estate Agent will use your Pre-Qualification Letter to negotiate the best deal for you.

You'll also be asked to enter a "User ID", so throughout the loan process you can re-access information you have already provided. This saves you from having to input the same data several times.

Important Note: Do not allow anyone to obtain free credit reports for you. These reports will have to be obtained later anyway, which may lower your "credit-risk score"! This score is extremely important to your overall credit evaluation in the underwriting process for your mortgage loan.

STEP THREE -- Apply Now! Getting started is easy.

When you've selected a property and have a contract with the Seller, the next step is to complete your loan application, which can be done easily through our website. Click on the Shop Rates menu selection (in Free Services) to learn more about available loans and current rates, or click on Apply for a Loan (also in Free Services) to start your application.

At the appropriate time we'll order a property appraisal for you.

STEP FOUR -- Your Loan is Approved and Funded

Your Real Estate Agent or the Seller will designate an Escrow/Title Company to handle the funding of your loan, along with many other factors which make your purchase go smoothly.

We will coordinate with the escrow team and you'll sign the final papers at their office.

Simple, Straightforward, Cost Effective, and FAST!

Call Mike Flannagan at Virginia One Mortgage Corporation today
for your tailor-made mortgage.