Carla Holmes with TowneBank Mortgage

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

Charlotte, you were GOOD to us! 💙A great group of community leaders, housing advocates, lenders, and partners came toget...
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! 🏡✨

ListeningSession CommunityConnections MortgageLendin

🐾🏠 We had a special visitor in the office today!Meet Lambo! 🐶💙 He stopped by to brighten my day, and let’s just say… he ...
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

Soft pull or hard pull? Here's what to know about mortgage credit checks.Soft Pull (no impact):* Doesn't affect your cre...
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.

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

Buying your first home doesn't have to be overwhelming. A few smart moves can make the process smoother:DO:* Get pre‑qua...
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.

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

I get this text all the time.You don't have to have it all figured out to start.You can just ask questions.Start small. ...
07/20/2026

I get this text all the time.
You don't have to have it all figured out to start.
You can just ask questions.
Start small. No pressure.
If you've got questions, I've got you.

One of the biggest hurdles to homeownership is covering the upfront costs-but homebuyer grants can help. These programs ...
07/10/2026

One of the biggest hurdles to homeownership is covering the upfront costs-but homebuyer grants can help. These programs may assist with your down payment, closing costs, or even help lower your interest rate. And the best part? Most grants don't need to be repaid.

If you're a first-time buyer, veteran, or part of a low-to-moderate income household, you might qualify.

Let's talk about your options and take the next step toward homeownership.

Address

3 Commercial Place, Suite 1200
Norfolk, VA
23510

Website

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