Your Trusted Source for Vereran Affair Mortgage Loan Short Pump, VA
Helping Richmond, VA veterans achieve homeownership with personalized mortgage solutions
Understanding Short Pump's Dynamic Housing Landscape
At Sparrow Home Loans, we are deeply committed to serving those who have honorably served our nation. We understand the unique financial needs of veterans and their families, and we are proud to offer specialized VA loan solutions in Richmond, Virginia. Our local expertise, combined with a client-focused approach, ensures a smooth and confident homeownership journey for eligible veterans, service members, and their surviving spouses.
Why Choose a VA Loan in Richmond?
VA loans are an exceptional benefit designed to make homeownership more accessible and affordable for our veterans. These loans offer significant advantages, including:
- No Down Payment: For many eligible borrowers, VA loans allow you to purchase a home with 0% down, saving you valuable upfront costs.
- No Private Mortgage Insurance (PMI): Unlike conventional loans, VA loans do not require PMI, which can lead to lower monthly payments.
- Competitive Interest Rates: Backed by the U.S. Department of Veterans Affairs, VA loans often come with more favorable interest rates than other loan types.
- Flexible Credit Requirements: VA loan guidelines are often more forgiving than traditional mortgages, making homeownership a reality for a broader range of credit profiles.
- Limited Closing Costs: The VA limits the closing costs lenders can charge, and in some cases, sellers may even cover these costs.
Living and Thriving in Richmond, VA with a VA Loan
Richmond is a city rich in history, culture, and opportunity, making it an ideal place to call home. As you consider purchasing a home here with your VA loan, you'll discover a vibrant community that seamlessly blends its historic past with a dynamic contemporary lifestyle.
Arts, Culture, and Entertainment: Richmond boasts a thriving arts scene with world-class institutions like the Virginia Museum of Fine Arts (VMFA) and the influential Virginia Commonwealth University School of the Arts (VCUarts). Enjoy live performances at venues such as the Altria Theater and Dominion Energy Center, or explore unique shops and diverse dining in charming Carytown. The monthly First Fridays Art Walk brings the Richmond Arts District to life with gallery openings and street performances.
History and Heritage: Immerse yourself in the significant historical landmarks that shaped our nation, including the Virginia State Capitol, the American Civil War Museum, and St. John's Church, where Patrick Henry delivered his famous "Give Me Liberty or Give Me Death" speech.
Outdoor Adventures and Green Spaces: For those who appreciate the outdoors, Richmond offers abundant opportunities. Explore the expansive James River Park System, enjoy trails on Belle Isle, or cycle along the Virginia Capital Trail. The magnificent Maymont estate and the stunning Lewis Ginter Botanical Garden provide beautiful natural escapes.
Diverse Culinary Scene: Richmond's culinary landscape is diverse and exciting, offering everything from classic Southern comfort food to international cuisine, upscale dining, and vibrant food trucks. Popular neighborhoods like Carytown, Scott's Addition, and Church Hill are culinary hotspots waiting to be explored.
Your Path to Homeownership Starts Here
Whether you're looking for your first home or your forever home in Richmond, VA, our team at Sparrow Home Loans is here to guide you through every step of the VA loan process. We specialize in providing personalized mortgage solutions, ensuring you feel confident and supported from pre-approval to closing.
Get Pre-Approved Today! Take the first step toward homeownership with a quick and easy pre-approval. Knowing your budget upfront helps streamline your home search and gives you a competitive edge in the Richmond housing market. Our team is ready to help you find the best VA loan option tailored to your needs.
Wife.Momma. MOrtgage Lender
About Me: More Than Just a Mortgage Lender
I’m Briana Sparrow, a proud wife and mom of three, living in Louisa, VA — surrounded by our little crew and a whole lot of animals. With a passion for homeownership and years of personal experience buying and investing in real estate, I’ve been helping families achieve their homeownership dreams since 2018. Whether you're buying your first home, refinancing, or investing, I’d love to help you reach your goals.
Common Loan Products
Conventional Loans
Ideal for borrowers with good credit and a stable financial history, offering flexible terms and competitive rates for homes across Henrico's varied neighborhoods like Short Pump, Tuckahoe, or Lakeside.
VA Loans
We proudly support our active duty service members and veterans in Henrico with VA loans, offering no down payment requirements and competitive interest rates. Henrico is home to a strong military community, and we're here to serve you.
VHDA Loans
Competitive fixed interest rates, down-payment assistance, and closing cost assistance, making homeownership more accessible and affordable for many, particularly first-time homebuyers in Henrico.
FHA Loans
A fantastic option for first-time homebuyers in Henrico or those with lower credit scores and smaller down payments. FHA loans make homeownership more accessible throughout the county.
USDA Loans
If you're looking at properties in the more rural parts of Henrico County, a USDA loan could be a great fit, offering 100% financing for eligible homebuyers in designated rural areas.
Jumbo Loans
For those considering higher-value properties in Henrico's more affluent areas, such as Wyndham or Kinloch, our Jumbo Loan programs provide the financing you need.
Unique/Specialized Loan Products
Equity Line Loans
A Home Equity Line of Credit (HELOC) allows homeowners to access their home’s equity without refinancing their existing mortgage.
Renovation Loans
Renovation loans are designed for homebuyers and homeowners looking to finance repairs, upgrades, or remodeling projects.
Construction Loans
In Virginia, construction loans typically offer short-term financing that converts to a traditional mortgage once the project is complete.
Proud Member Of:
A Local Lender You Can Trust
Local Market Acumen
We don't just work in Henrico; we live and breathe the Henrico housing market. We understand local property values, neighborhood trends, and the specific dynamics that impact your loan.
Mortgage Planning
I understand that every family's financial situation is unique. Mortgage is not a one size fits all. I want to truly understand your puzzle and help you decide how we put that puzzle together. I promise to always be honest and make sure you know your choices throughout the process. Surprises while home buying are never fun. I take all of my clients through upfront underwriting to ensure you have piece of mind when shopping for your dream home.
Team Work
As a trusted mortgage professional based in Richmond, VA, I specialize in providing personalized mortgage solutions to homebuyers across Virginia and North Carolina. Whether you're buying your very first home or your forever home, I’m here to walk you through the process, answer your questions, and make sure you feel confident every step of the way.
I work closely with your realtor to make sure your offer is strong, competitive, and aligns with your goals. When it’s time to make an offer, I’ll personally call the listing agent to back it up—because when the listing agent (and sellers!) know there’s an experienced lender on board who will actually communicate with them throughout the process, it gives them peace of mind (and gives you a leg up!).
Behind the scenes, my powerhouse team helps make it all happen
seamlessly.
Our tight-knit crew includes:
- Production Partners: Madison Maynes & Collin Foster
- Processor: Bonnie Goad
- Underwriter: Kevin Doyle
- Closer: Tim Fulgham
We all work together to treat your loan with care, urgency, and attention to detail—from day one to closing day. You’ll never feel like just another number with us.
I take pride in being a responsive, local lender with a kick-ass team you can count on. Let’s make your homeownership goals a reality—reach out and let’s get started!
Availability
I am available when it matters, nights and weekends. Most real estate transactions require action outside of "normal" business hours. When working with me you can rest easy knowing that I am not just your lender but your friend and cheerleader. Shoot me a text, give me a call, email or reach out on social media…. I am here to help you win that house!
FAQs
Learn more about Mortgage Loans in Henrico VA
What is the average home price in Henrico County, VA?
As of April 2025, the median sold home price in Henrico County was approximately $432,721. Prices can vary significantly by neighborhood, with areas like Wyndham having median listing prices around $760K, while East Highland Park is more affordable at around $275K.
How long does the home loan process typically take in Henrico?
While every loan is unique, a typical home loan process from application to closing in Henrico can take anywhere from 30 to 45 days, sometimes shorter if you're well-prepared and responsive. We work diligently to ensure a timely closing.
Are there any special programs for first-time homebuyers in Henrico?
Yes!
Beyond general state-level programs, Henrico County offers the Employee Home Purchase Assistance Program (EHPAP), which provides significant down payment and closing cost assistance (up to $25,000) for eligible full-time Henrico County Government, Public Schools, or Constitutional Officer employees. We can help you determine if you qualify for this or other assistance programs.
What are the typical closing costs in Henrico VA?
Credit score requirements vary by loan type. For instance, the Henrico EHPAP program requires a minimum credit score of 600. Generally, a higher credit score will qualify you for better interest rates. We can review your credit and discuss your options.
What are the typical closing costs in Henrico VA?
Closing costs in Henrico typically range from 2-5% of the loan amount and include various fees such as appraisal fees, title insurance, attorney fees, and recording fees. We'll provide you with a detailed breakdown of all estimated closing costs.
