$150M+
In Loans Funded
97%
Customer Satisfaction
21-Day
Average Closing Period
Mortgage Calculator
Estimate your monthly payments, including taxes and insurance, to find the perfect home within your budget.
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*This calculator is for estimation purposes only. Actual payments may vary based on final interest rate, taxes, and insurance.
* Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
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Calculate your potential monthly savings and see how quickly a refinance could pay for itself.
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* Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Find Your Dream Home
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Browse available homes in your area and instantly see if you qualify for down payment assistance or special financing programs.
Homes Near Virginia Beach, VA
$850,000
123 Coastal Vista Dr
Virginia Beach, VA
$425,000
8847 Pinehurst Ln
Virginia Beach, VA
$520,000
402 Sunbelt Way
Virginia Beach, VA
Spot On Lending Services
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Loan Programs
Every Borrower Is Different - So Are Our Loan Programs
Traditional banks say no? We specialize in solutions others can't offer. From conventional to specialty programs - we have the right solution for every homebuyer and investor.
Conventional
The standard in home financing. Ideal for borrowers with good-to-excellent credit and a moderate down payment.
Key Benefits:
- Down payments as low as 3%
- Cancel mortgage insurance (PMI) at 20% equity
- Flexible terms from 10 to 30 years
- Available for primary, vacation, and investment properties
Our Reach
Your Local Mortgage Lender in CA & GA
From our offices in Laguna Beach, CA and Acworth, GA, we serve homebuyers across California and Georgia with deep local market knowledge. Explore our service areas below.
California Service Areas
Georgia Service Areas
Mortgage Insights
Latest Tips & Resources
Expert advice to help you navigate the home buying and refinancing process with confidence.
The Ultimate First-Time Homebuyer Guide
Everything you need to know to prepare for your first home purchase, from saving for a down payment to closing.
Read Article
Understanding Fixed vs. Adjustable Rates
Not sure which rate type is right for you? We break down the pros and cons of fixed and adjustable-rate mortgages.
Read Article
5 Proven Ways to Boost Your Credit Score
A higher credit score means better loan terms. Learn actionable steps you can take today to improve your credit profile.
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Testimonials
What Our Clients Say
"Jennifer did an excellent job from start to finish. From helping me find a great interest rate to being close ready with no delays."
"Working with Jennifer was great. She worked hard with our situation and never gave up until the loan was closed. Always responsive and always had answers."
"Jennifer and her team did a phenomenal job. I would highly recommend her service to anyone in need of Mortgage services. They took their time to listen."
Live Rate Monitor
Current Mortgage Rates
* Legal Disclaimer: The interest rates, annual percentage rates (APRs), and discount points shown are provided for informational purposes only and are subject to change without notice. Your actual rate, payment, and costs may vary based on your credit score, loan amount, loan-to-value ratio, and other factors. This is not a credit decision or a commitment to lend.