Why I’m the Best Lender To Use in Virginia

Written By taylor ellard

If you’re buying a home in Virginia Beach, choosing the right lender matters just as much as choosing the right house.

Rates, strategy, timelines, contract deadlines, inspections, appraisals—this isn’t just a numbers game. It’s a local game. And that’s exactly where I win.

I’m the lender behind LetsGoGetYouHome.com and the voice behind @letsgogetyouhome on Instagram, and my entire business is built around helping Virginia Beach buyers win—whether it’s their first home, their next move, or an investment property.

Here’s why clients, agents, and repeat buyers consistently choose me as their go-to Virginia Beach mortgage lender.

I Actually Know the Virginia Beach Market (Not Just the Rates)

Virginia Beach is not a cookie-cutter market.

You’ve got:

  • Condos with rental restrictions

  • Flood zones and insurance nuances

  • Military buyers using VA loans

  • New construction vs. resale differences

  • Short-term rental rules by neighborhood

I don’t just lend in Virginia Beach—I work inside this market every day.

That means:

  • Smarter pre-approvals

  • Fewer surprises after contract

  • Better guidance before you even start shopping

Local knowledge isn’t a bonus. It’s a requirement.

Strategy Beats Rate Shopping Every Time

Anyone can quote a rate.

Very few lenders explain how to use the loan as a strategy.

I help buyers:

  • Decide when to buy vs. wait

  • Use temporary and permanent buydowns

  • Structure offers to win in multiple-offer situations

  • Choose between conventional, FHA, VA, DSCR, and jumbo options

  • Plan refinance opportunities before they even close

The goal isn’t just getting you approved—it’s setting you up to win long-term.

I’m Built for First-Time Homebuyers (Without Talking Down to You)

If this is your first time buying a home, you probably have questions like:

  • “How much can I actually afford?”

  • “What does my monthly payment look like?”

  • “Do I need perfect credit?”

  • “How much cash do I really need to close?”

I break things down clearly, without pressure, hype, or lender jargon.

No dumb questions. No rushed answers. No disappearing after pre-approval.

That’s why so many first-time buyers in Virginia Beach find me through @letsgogetyouhome—because education comes first.

VA Loans Are a Major Strength of Mine 🇺🇸

Virginia Beach has one of the largest military populations in the country—and VA loans are one of the most powerful benefits available.

I specialize in:

  • VA purchase loans

  • VA refinances

  • Zero-down strategies

  • Navigating condo VA approval issues

  • Helping veterans compete against conventional buyers

If you’ve been told “VA loans are harder” or “sellers won’t accept them,” that’s usually a lender problem—not a VA problem.

I’m Responsive. Like… Actually Responsive.

This one matters more than people realize.

Real estate doesn’t move 9–5.

I’m known for:

  • Answering calls and texts quickly

  • Jumping in on nights and weekends when needed

  • Helping agents structure offers in real time

  • Being available when deadlines are tight

When your contract is on the line, you don’t want a call center or a generic lender. You want someone who’s reachable.

Transparent, Honest, and No Games

I don’t bait people with unrealistic rates.
I don’t hide fees.
I don’t over-promise and under-deliver.

You’ll always know:

  • What your payment looks like

  • What your cash to close is

  • What your options actually are

  • What makes sense—and what doesn’t

My business is built on referrals, repeat clients, and long-term trust. That only works if I keep it real.

My Clients Aren’t Just Loans—They’re People

Buying a home is emotional.
Stressful.
Exciting.
Sometimes overwhelming.

I guide clients through:

  • Credit improvement plans

  • Timeline planning (even if buying later)

  • Tough decisions around affordability

  • Market uncertainty and rate changes

And I stay connected long after closing—because your mortgage shouldn’t be a one-time conversation.

Why So Many Virginia Beach Buyers Find Me Online

I focus heavily on education, transparency, and real-world advice.

You’ll find:

  • Clear mortgage explanations

  • Market updates that actually matter

  • Buyer tips without fear-based sales tactics

  • Straight talk about rates, affordability, and timing

If you’ve been overwhelmed by conflicting information online, you’re not alone. My job is to simplify it.

Looking for the Best Lender in Virginia Beach? Let’s Go Get You Home.

If you want:

  • A local Virginia Beach mortgage lender

  • Clear communication and smart strategy

  • Someone who puts your goals first

  • A lender who shows up when it counts

You’re in the right place.

taylor ellard
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