Guiding You Through 

Your Homebuying Journey

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Let our Mortgage Professionals
guide you through your homebuying journey.

or fill out the form below to speak with a Towne Mortgage Professional

LEARN ABOUT OUR LOAN PRODUCTS

CONVENTIONAL

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    Up to 97 % financing of your loan
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    Stable rate and principle payments
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    Easy-to-understand loan terms
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    Competitive interest rates
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    Locks interest rate for the life
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    15 or 30 year terms

 FHA (Federal Housing Administration)

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    As little as 3.5% down payment
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    Less than perfect credit can apply
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    Guaranteed by the Federal Housing Authority
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    Seller can pay borrower closing costs
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    Fixed rate and ARM options

VA (Veterans Affairs)


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    Available to active and retired military
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    Up to 100% financing available
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    No private mortgage insurance
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    Reasonable Credit Qualifications
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    No Early payoff penalties 
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    No downpayment needed

VHDA (Virginia Housing Development Authority) 

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    Available to Virginia residents
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    VA, FHA or conv. options for first time buyers
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    Low interest rates
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    Flexible down payment options
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    Income and sales price restrictions

ARM (Adjustable Rate Mortgage) 

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    Lower initial interest rates than fixed-rate mortgage
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    Flexibility for buyers who plan to move
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    Great for buyers who anticipate income increasing 
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    Seller can pay borrower closing costs
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    Fixed rate and ARM options

USDA (United States Department of Agriculture) 

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    Created for rural areas
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    Up to 100% financing available
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    Little or no down payment options
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    Flexible credit guidelines
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    Seller can pay borrower closing costs

Learn more about TowneBank Mortgage and how we can help you find the perfect home loan.

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Learn More about Loan Officer

Carmen Amado

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Programs, rates, and fees are subject to change at any time without notice. This information provided is deemed reliable but not guaranteed. The information on this website is not an advertisement to extend customer credit as defined by Section 12 CFR 1026.2 Regulation Z. All mortgage financing is subject to credit and underwriting approval. Receipt of borrower’s application or inquiry does not represent an approval for financing or rate guarantee. TowneBank Mortgage is an Equal Housing Lender and Equal Opportunity Lender. Links and content are being provided for informational purposes only. TowneBank Mortgage has no control over any other website and is not able to endorse, guarantee or monitor content, availability, viewpoints, products or services that are offered or expressed on any site other than this one.