Bank of the James - Home Mortgage

Bank of the James

17000 Forest Road, Suite B
Forest, Virginia 24551
Tel: (434) 534-8090
Fax: (434) 534-8091

Whether youâ€™re buying or building your first home, refinancing your current mortgage, or investing in a second home or investment property, Bank of the James Mortgage has the right loan for you. Offering a variety of mortgage products and options, your Bank of the James Mortgage consultant will help you find the right loan choice, answer your questions, and make sure you go from application to approval as smoothly as possible.

Our team of mortgage consultants is committed to providing you with what is important to you. We can offer you quick and efficient service, local decision making, competitive rates and a variety of mortgage options.

Please contact one of our mortgage consultants at (434) 534-8090 for complete information on current mortgage rates and products available. Our mortgage consultants are available to meet with you at your convenience at any Bank of the James location, or at your home or office.

Conventional Loans
* 97% Financing Available
* Interest Only Options Available
* Adjustable Rate Mortgages
* Fixed Rate Mortgages

United States Department of Agriculture (USDA) Loans
* 100% Financing with No PMI
* Fixed Rates
* Veterans Affairs (VA) Loans
* 100% financing with no PMI

Federal Housing Authority (FHA) Loans
* Fixed and Adjustable Rates
* Grants and gifts are acceptable
* 3% Down payment required

Virginia Housing Development Authority (VHDA) Loan Programs
* 97% Financing Available
* Low competitive rates for 1st time Homebuyers
* 100% Financing Available with no PMI

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