All Mortgage Loan Officers Debbie Giambanco Senior Mortgage Loan Officer NMLS# 211850 debbie.giambanco@vacu.org Office: (804) 591-4863 Toll-free: (800) 285-5051 x4863 Fax: (804) 267-1433 Apply with Debbie Biography As a VACU mortgage loan officer, with over 25 years in the mortgage lending business, I pride myself on education. I take pleasure in helping members and their families with one of the biggest decisions they make in their lifetime. I enjoy assisting new home buyers and experienced buyers with the purchase of their home. It’s an exciting time, but it can also be a bit overwhelming. I enjoy simplifying the process and guiding members through all the steps to home ownership. I really do care about our members and like to get to know their needs and wants before we get started. It is important to make sure you are giving each family the financial guidance they need in order to make the best decision in their mortgage financing. Spending time with my family is one of the greatest joys in my life. I also enjoy playing soccer and being active. I have met some of my closest friends during my years of playing the sport. In addition, I love watching my daughter play soccer and my son who is very involved in karate. 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 home buyer loans Low down payment options Specialty loans, including 100%-financing and jumbo loans Construction and construction-to-permanent loans Services Offered We've got different loan options, depending on what you need. I'm here to help you find the right solution for your unique situation. Mortgages From finding the right home to closing on a mortgage with a great rate, we help you at every step of the process. Refinancing Take advantage of lower rates—refinance your current mortgage and get better terms! We also offer refinances with no closing costs or cash-out options. Get pre-qualified! Getting pre-qualified will establish your home-buying budget, helping you narrow your search. And when you're pre-qualified, sellers and real estate agents know you're serious about buying, giving you a crucial leg up in negotiations Let's get your mortgage process started. I'm here and ready to help find the right option for you. Apply with Debbie Mortgage Resources See More Resources Watch: 9 Questions First-Time Homebuyers Ask When it comes to buying your first home, you have questions, and we have answers. Mortgage FAQs What does pre-qualified mean? What do closing costs include? Get answers from our experts. Mortgage Online Application FAQs With MemberConnect, applying online for a mortgage from has never been easier—but that doesn’t mean you won’t have questions. Here’s what our members ask the most.
Mortgages From finding the right home to closing on a mortgage with a great rate, we help you at every step of the process.
Refinancing Take advantage of lower rates—refinance your current mortgage and get better terms! We also offer refinances with no closing costs or cash-out options.
Get pre-qualified! Getting pre-qualified will establish your home-buying budget, helping you narrow your search. And when you're pre-qualified, sellers and real estate agents know you're serious about buying, giving you a crucial leg up in negotiations
Watch: 9 Questions First-Time Homebuyers Ask When it comes to buying your first home, you have questions, and we have answers.
Mortgage FAQs What does pre-qualified mean? What do closing costs include? Get answers from our experts.
Mortgage Online Application FAQs With MemberConnect, applying online for a mortgage from has never been easier—but that doesn’t mean you won’t have questions. Here’s what our members ask the most.