Home Loan Zone Inc

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Home Loan Zone Inc Independent by Choice. Client-Focused by Design. You’re the CEO of your financial story. We just help you write the next chapter!

Being an independent broker means freedom, the freedom to:

• Shop multiple lenders, not just one
• Deliver better rates and lower costs
• Customize loan strategies that fit your long-term goals
• Move fast As an independent mortgage brokerage, we shop multiple lenders for you bringing clarity, strategy, and highly competitive pricing to every loan we touch. Buying, refinancing, investing, or renovating, your goals drive the plan, and we tailor the numbers to fit your future, not the other way around. Start your mortgage journey today. Home Loan Zone Inc is licensed and regulated by the Virginia Bureau of Financial Institutions, a Division of the State Corporation Commission license number MC5826. Company NMLS # 1173347 www.nmlsconsumeraccess.org

09/28/2026

A lower interest rate may already be attached to the home you want.

Some VA loans may be assumable, which means a qualified buyer could potentially take over the seller’s existing loan terms instead of starting from scratch with today’s rates.

There are still important details to work through, including qualification, any gap between the loan balance and purchase price, and how the assumption could affect the seller’s remaining VA entitlement.

If you find a home with an assumable VA loan, send me a message and I can help you understand the process.



Company NMLS #1173347 | Personal NMLS #266532
nmlsconsumeraccess.org

09/24/2026

A lower payment at the beginning of your loan can make a move feel much more manageable.

A temporary rate buydown can reduce the effective interest rate used to calculate your payment during the first years of the loan before it steps back up to the full note rate. It can be a useful strategy in the right situation, but the long-term payment still needs to fit comfortably within your budget.

If you are considering a home and want to know whether a temporary buydown could work with your financing, send me a message.



Company NMLS #1173347 | Personal NMLS #266532
nmlsconsumeraccess.org

09/21/2026

The purchase price is only one part of the negotiation.

Seller credits can sometimes help cover eligible closing costs or be used toward a temporary rate buydown, which may make the upfront cost of buying a home or the initial monthly payment more manageable.

The amount available depends on the loan program and the details of the transaction, so it is important to structure the offer correctly from the start.

If you are getting ready to make an offer, send me a message and let’s talk through the financing strategy first.



Company NMLS #1173347 | Personal NMLS #266532
nmlsconsumeraccess.org

09/17/2026

The property may qualify even when traditional income documentation is not the best fit.

A DSCR loan looks closely at the investment itself, including projected rental income, expenses, and the proposed loan terms. For the right investor, that can create another path to financing beyond a conventional loan.

If you have a rental property in mind, send me the details and I can help review the numbers.



Company NMLS #1173347 | Personal NMLS #266532
nmlsconsumeraccess.org

09/14/2026

One of the most valuable home financing benefits for veterans is also one of the most misunderstood.

VA loans can offer qualified borrowers powerful advantages, including options with no down payment and no private mortgage insurance. Your benefit may also be reusable, which means having a VA loan today does not necessarily mean you are finished using it.

Home Loan Zone is currently waiving our underwriting fee for eligible VA borrowers.

If you have served or are currently serving, send me a message and let’s make sure you understand the benefits available to you.



Company NMLS #1173347 | Personal NMLS #266532
nmlsconsumeraccess.org

09/10/2026

Home equity can work in more than one way.

A home equity loan and a HELOC both let you borrow against the equity in your home, but they are structured differently. One may make more sense for a larger one-time expense, while the other can offer more flexibility when you want access to funds over time.

The right choice depends on what you need the money for, how you want to repay it, and how comfortable you are with the payment structure.

Send me a message and I can help you compare your options.



Company NMLS #1173347 | Personal NMLS #266532
www.nmlsconsumeraccess.org

Hard work helps build the homes, families, and communities we’re proud to be part of.Wishing you a safe, happy, and rela...
09/07/2026

Hard work helps build the homes, families, and communities we’re proud to be part of.

Wishing you a safe, happy, and relaxing Labor Day from our family to yours!



Company NMLS #1173347 | Personal NMLS #266532
nmlsconsumeraccess.org

09/03/2026

Your renovation budget may already be closer than you think.

If you have built equity in your home, there may be ways to put some of it toward the updates you have been planning, from a kitchen or bathroom remodel to a larger renovation.

The important part is looking at the full picture first. Payment, cost, and long-term benefit all matter before deciding whether using equity makes sense.

Thinking about refreshing your home? Send me a message and let’s see what your options look like.



Company NMLS #1173347 | Personal NMLS #266532
nmlsconsumeraccess.org

08/31/2026

Sometimes the right home is not already on the market. It is the one you build.

If you have found the right location but not the right house, construction financing may give you another path forward. The process has more moving parts than a traditional purchase, which makes understanding your financing options early especially important.

If building has been on your mind, send me a message and we can review what that path could look like for you.

Decem Design Build LLC



Company NMLS #1173347 | Personal NMLS #266532

nmlsconsumeraccess.org

04/28/2026

Sharpen your skills, strengthen your circle, and make a difference 💪!!!!!

Huge thanks to all the amazing women who showed up to our self-defense class. We trained hard, connected, and helped fight hunger in our community.

Missed this one? Don’t worry!!!! The next class is coming soon, and you won’t want to miss it!!!
company 1173347 nmlsconsumeraccess.org

Address

400 North Ridge Road
Richmond, VA
23229

Opening Hours

Monday 9am - 9pm
Tuesday 9am - 9pm
Wednesday 9am - 9pm
Thursday 9am - 9pm
Friday 9am - 9pm
Saturday 9am - 9pm
Sunday 9am - 9pm

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