Jacqueline Kulas Back to Mortgage Loan Officers Jacqueline Kulas Mortgage Loan Officer NMLS# 1976919 jacqueline.kulas@vacu.org Office: (804) 584-4285 Hi, I’m Jacqueline, your local mortgage expert. One of my favorite experiences as a mortgage loan officer is seeing first-time homebuyers achieve their dream of homeownership. Whether I'm educating on each step of the process or providing the information needed to make informed decisions, I make it a priority to listen to each buyer's story to best meet their needs. I grew up in Clifton, Virginia, and I have lived in Richmond with my husband since graduating from JMU. I am also an alum of VCU, and I have one son and two daughters. Together, we are now a family of three Dukes and two Rams! In my free time, I enjoy the many great restaurants and breweries in Richmond, playing golf and pickleball, or just relaxing at home over a meal with family and friends. Apply with Jacqueline Why work with a VACU mortgage loan officer? As a local mortgage loan officer, I'm here to help you navigate the home financing process with confidence. Along with my personalized guidance and local expertise, I can assist with: Mortgages for your primary residence, second homes, or investment properties No-closing-cost options Home Equity and Home Equity Line of Credit (HELOC) options Adjustable-rate mortgages First-time homebuyer loans Low down payment options Specialty loans, including 100%-financing and jumbo loans Construction and construction-to-permanent loans What our members are saying: Don't change a thing. Worked very smoothly! Everyone we spoke with was extremely helpful and we really appreciated how smooth the process was. Services VACU offers: Whether you're new to homebuying or you've done this before, we can help. Mortgages From finding the right home to closing on a mortgage with a competitive rate, we're ready to help at every step. Refinancing Refinance to lower your monthly payments, change terms, or get cash out to use for a home project or other expense. Home Equity Tap into the money you've already invested in your home to cover life's expenses. Get Pre-Qualified Know your budget while you're looking for your next home, and show sellers you're serious during negotiations. Ready to get started? I'm here to help find the right option for your unique situation. Apply with Jacqueline Your Homebuying Knowledge Base See all Calculator Mortgage Payment Calculator Home Article 5 min 10 Ways to Make Your Home Feel New Home Article 6 min Financing Your Dream Home with a Construction Loan Home Video 7 min Watch: 9 Questions First-Time Homebuyers Ask Home Calculator Home Refinance Calculator Home Article 2 min What is Escrow and How Does it Work? Home Article 30 min Mortgage Acronyms Home Article 5 min How to Save for a Down Payment Home Article 4 min What Are Closing Costs? Home Article 4 min What Does Homeowner's Insurance Cover? Home Article 6 min 6 Tips to Navigate an Uncertain Real Estate Market Home Article 4 min Home Improvements that Pay Off Home
Mortgages From finding the right home to closing on a mortgage with a competitive rate, we're ready to help at every step.
Refinancing Refinance to lower your monthly payments, change terms, or get cash out to use for a home project or other expense.
Get Pre-Qualified Know your budget while you're looking for your next home, and show sellers you're serious during negotiations.