Amie Dail, Home Loan Consultant

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United States
Virginia Beach, VA
Amie Dail, Home Loan Consultant

Home financing for residential purchases and refinances in VA

Buying a home is one of if not the largest financial transaction of one's lifetime-whether it's your first or whether you're up-sizing, down-sizing, purchasing a vacation home, or even a rental property. Therefore, choosing a lender you can trust - one who is experienced, responsive, empathetic, approachable, and just easy to talk with is important. In my 25 year lending career, I've been afforded many opportunities to assist individuals, families, and small and commercial business owners with various financial needs and I'm very passionate when it comes to serving as a lender who is someone you can count on to be a trusted advisor who consistently embodies all of these qualities. My entire career has been in the financial services industry, and I’m able to apply my experience from my banking background and approach each individual’s unique situation with focus, attention, and appreciation for their overall financial goals. Arbor Home Loans/ OneTrust allows me to provide my clients with competitive rates and a variety of products that aren’t available from traditional financial institutions, along with the latest technology that ensures an efficient process. Having lived in the Hampton Roads community all my life, I’m very familiar with the surrounding market, which allows me to be a resource to those who may not be as familiar with the area and all it has to offer. I have a passionate commitment to delivering the highest level of service to each individual and family I have the opportunity to assist, and I pride myself in making the home financing experience smooth, educational, and a truly positive one!

11/03/2026

When building a home with a VA loan, choosing the right builder is an important part of the process.

Unlike buying an existing home, construction financing maybe a little more complicated and involves reviewing both the buyer and the building project. The lender may need information about the builder, home plans, construction costs, and other details before the loan can move forward.

That's why it's helpful to have the builder and lender working together early. Good communication between both teams can help keep everyone on the same page and make it easier to understand what needs to happen next.

Working with a lender experienced in VA construction financing can help buyers and builders prepare for each step and avoid unnecessary delays along the way.

11/03/2026

A new season can be the perfect time to revisit your homeownership goals and start planning for what's next. 🍂🏡 From understanding your buying power to exploring mortgage options that fit your budget, I'll help you make informed decisions and feel confident about your financing. Thinking about making a move this fall? Send me a message and let's put a plan in place! 📲💬

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11/02/2026

Before you start scrolling listings and scheduling showings, let's make sure your financing is ready to go! 🏡 Getting an early start on the mortgage process can help you understand your buying power, prepare for the costs ahead, and feel more confident when it's time to make an offer. Thinking about buying a home? Send me a message and let's get your homeownership journey started on the right foot! 📲💬

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10/31/2026

📋 At his press conference following the Fed rate decision, Chairman Kevin Warsh once again refused to give forward guidance. Inflation remains well above the Fed's 2% YoY target for "core" PCE (the latest reading was +3.1% YoY!) Mercifully, however, we did get some rate relief this week, with US treasury yields and mortgage rates moving lower. 📉

National news and local views for the week

10/31/2026

The housing market might have a few spooky surprises, but navigating your mortgage doesn't have to feel like a trip through a haunted house! 👻🏡 I'll help you make sense of your financing options, understand your buying power, and create a plan that fits your budget. Ready to stop being haunted by the what-ifs? Send me a message and let's get your homeownership journey started! 📲💬

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10/29/2026

USDA loans are often associated with rural homebuying, but there is more to the program than many buyers realize.

The USDA Single Family Housing Guaranteed Loan Program is designed to help eligible low- and moderate-income households purchase a primary residence in eligible rural areas. Qualified borrowers may be eligible for financing up to 100% LTV. Both the borrower and the property must meet USDA eligibility requirements.

One important thing to know is that USDA eligibility is based on specific geographic boundaries. A property does not necessarily have to feel remote or agricultural to potentially fall within an eligible area. USDA provides an eligibility tool that can be used to check specific locations.

For buyers considering homes outside major urban areas, it may be worth asking a lender whether USDA financing is one of the available options.

10/27/2026

One unique part of construction financing is determining the value of a home that does not exist yet.

For a new construction appraisal, the appraiser may review the plans, specifications, proposed finishes, site information, construction contract, and other project details to develop an opinion of the property's expected value once completed.

That appraisal becomes an important part of the construction financing process because the lender is evaluating the proposed finished home rather than an existing property.

Detailed plans and accurate project information can help provide a clearer picture of what is being built. Working with a construction lender who understands this process can also help buyers and builders know what documentation may be needed before the appraisal is ordered.

10/26/2026

Even haunted houses need a little TLC to keep their spirits up! 👻🏡 Taking care of your home with regular maintenance and thoughtful updates can help protect its value and prevent costly surprises from creeping up on you. After all, unexpected repair bills are the kind of fright no homeowner wants this Halloween!

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10/24/2026

The mortgage market doesn’t have to send shivers down your spine! 👻 I’ll guide you through every step so there are no spooky surprises along the way. 🏡✨ From preapproval to closing, I’ll help you find a loan that fits just right—no tricks, only treats. Ready to make your homeownership dreams come alive? 🎃 📲💬

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10/24/2026

📈The sharp rise in US treasury yields (and mortgage rates) over the last 2 months has already hit pending sales and existing home sales (both -7% MoM in Sept), and builder confidence (October's reading of 29 was the lowest index level seen in 14 years). Let's hope the Fed stays pat next week!

National news and local views for the week

Address

Virginia Beach, VA

Website

https://arborhl.com/contact/adail

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