Debbie Giambanco Back to 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 Hi, I’m Debbie, your local mortgage expert. As a VACU mortgage loan officer, with over 30 years in the mortgage lending business, I pride myself on meeting expectations. I am proud to help our members and their families with one of the biggest decisions they make in their lifetime, along with making sure each person involved understands the process and feels comfortable about their decision in home-buying or refinancing. I really do care about our members and get to know their needs and wants before we get started. It is important to give each family the financial guidance they need in order to make the best decision in their mortgage financing. Simplifying the process and guiding them through all of the steps is extremely important. Spending time with my family is one of the greatest joys in my life. I also enjoy playing pickleball, being active in the community, and I love to cook and create new recipes. When there is a break, I enjoy going to the beach. Apply with Debbie 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: Debbie was great. Super on top of everything. 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 Debbie 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.