All Mortgage Loan OfficersDonna HarknessSenior Mortgage Loan OfficerNMLS# 546035 donna.harkness@vacu.org Office:(804) 253-6086Toll-free:(800) 285-5051 x6086Fax:(804) 267-1433 Apply with Donna BiographyI started my career in the financial industry more than 20 years ago, and my passion has always been to help others reach their financial goals. My mission is to provide outstanding service, keep your best interest at heart, all while helping you along the path to success. Members can count on me to understand their goals, listen to their needs and guide them through each step of the mortgage process. I live by the golden rule: provide a home buying or refinance experience that I would want for myself.Chesterfield has been my home for more than 20 years. I love exploring all that Virginia has to offer—from the mountains of Blacksburg to the beaches of Sandbridge. When I’m not at work, I enjoy traveling and spending time with my husband and two children. Benefits of working with a VACU Mortgage Loan OfficerI'm local and ready to help. Whether it's your first home or fifth, I'll be in your corner every step of the way.Mortgages for your primary residence, second homes, or investment propertiesNo closing-cost optionsAdjustable rate mortgagesFirst-time home buyer loansLow down payment optionsSpecialty loans, including 100% financing and jumbo loansConstruction loans and land loans Services OfferedWe've got different loan options, depending on what you need. I'm here to help you find the right solution for your unique situation. MortgagesFrom finding the right home to closing on a mortgage with a great rate, we help you at every step of the process. RefinancingTake 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 Donna Mortgage Resources See More Resources A Guide to Home Buying In this helpful video series, we'll walk you through the basics of buying a home. 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.
MortgagesFrom finding the right home to closing on a mortgage with a great rate, we help you at every step of the process.
RefinancingTake 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
A Guide to Home Buying In this helpful video series, we'll walk you through the basics of buying a home.
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.