Carla Holmes with TowneBank Mortgage

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United States
Norfolk, VA
Carla Holmes with TowneBank Mortgage

NMLS ID #346828
TowneBank Mortgage is an Equal Housing Lender NMLS # 512138

09/19/2026

🏡 FRANKLIN — WE’RE JUST DAYS AWAY! 🔑

Thinking about buying a home? Maybe you’re not quite ready yet, but you want to know what it takes to get there.

Join us for our Homebuyer Seminar and get your questions answered! We’ll talk about the homebuying process, financing, preparing for homeownership, and resources that may help you along the way.

📅 Thursday, September 24
⏰ 6:00 PM – 8:00 PM
📍 Martin Luther King Jr. Community Center
683 Oak Street | Franklin, VA

Come ready to learn, ask questions, and leave with a plan. You don’t have to be ready to buy tomorrow—you just have to be ready to start learning today! 🏠✨

Tag or share this with someone who’s been talking about buying a home!

PathToHomeownership CommunityEngagement TowneBankMortgage

09/10/2026

🏡 Thinking about buying a home but not sure where to start?

Join us for a Homebuyer Seminar designed to help you better understand the journey to homeownership—from preparing financially to navigating the homebuying and mortgage process.

I’ll be joining Realtor Jason Dunaway to share practical information, answer questions, and help you understand the resources that may be available to you.

📅 Thursday, September 24
⏰ 6:00 PM – 8:00 PM
📍 Martin Luther King Jr. Community Center
683 Oak Street | Franklin, VA 23851

Whether homeownership is something you’re ready for now or you’re simply preparing for the future, come learn, ask questions, and leave with a clearer path forward.

Knowledge is the first step toward homeownership. 🔑🏠

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09/03/2026

Charlotte, you were GOOD to us! 💙

A great group of community leaders, housing advocates, lenders, and partners came together for a powerful listening session focused on what our communities really need to thrive.

The conversations were honest. The ideas were BIG. And the connections were even better!

I’m grateful for everyone who shared their voice, their experience, and their vision for stronger, more affordable communities. This is what community engagement is all about, listening first, building relationships, and turning conversations into action.

Thank you, Charlotte, for welcoming us! 🏡✨

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08/13/2026

🐾🏠 We had a special visitor in the office today!

Meet Lambo! 🐶💙 He stopped by to brighten my day, and let’s just say… he did😂

Nothing like a little puppy love to end the day. 💕🐾

Homeownership MortgageLender OfficeVisitor

07/26/2026

Soft pull or hard pull? Here's what to know about mortgage credit checks.

Soft Pull (no impact):
* Doesn't affect your credit score
* Great for pre approvals
* Lets you shop rates confidently

Hard Pull (official check):
* Happens when you formally apply
* May cause a small, temporary score dip
* Gives lenders your full credit picture

Pro tip: After a hard pull, you may get more unsolicited offers. Visit optoutprescreen.com to protect your privacy.

Understanding how each pull works helps you protect your credit score while shopping for a mortgage.

If you're planning to purchase soon, let's talk through your credit strategy.

07/24/2026

Thinking about a fixer‑upper or an investment property? A renovation loan might be your secret advantage.

Renovation loans let you bundle repairs and upgrades into one mortgage, making it easier to buy a home that needs a little love and turn it into something truly yours. Whether you're a first‑time buyer or an investor looking to add value, renovation financing can open doors traditional loans can't.

Want to explore your options? I'm here to help you see what's possible.

07/23/2026

Buying your first home doesn't have to be overwhelming. A few smart moves can make the process smoother:

DO:

* Get pre‑qualified early
* Know your full monthly payment
* Keep your finances steady

DON'T:

* Open new credit or overspend
* Change jobs or income without guidance
* Rely only on online estimates

With the right prep and support, buying your first home can feel confident and clear. Let's do it together.

07/21/2026

Closing costs are part of every home purchase, but many buyers don't realize just how much they include until the final steps.

From lender fees to appraisals, title work, and prepaid taxes and insurance, these costs go beyond your down payment and play a big role in your total cash to close. Planning ahead can help you avoid surprises and feel more prepared on closing day.

A little clarity now can make the finish line a whole lot smoother.

Have questions about what to expect? Let's talk.

Address

3 Commercial Place, Suite 1200
Norfolk, VA
23510

Website

https://townebankmortgage.com/officers/carla-holmes/

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