Donna Harkness Back to Mortgage Loan Officers Donna Harkness Senior Mortgage Loan Officer NMLS# 546035 donna.harkness@vacu.org Office: (804) 253-6086 Toll Free: (800) 285-5051 x6086 Fax: (804) 267-1433 Hi, I’m Donna, your local mortgage expert. I 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 and keep your best interests 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 homebuying or refinancing 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 Blacksburg to Sandbridge. When I’m not at work, I enjoy traveling and spending time with my husband and two children. Apply with Donna 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: We couldn't be happier with the way Donna worked with us in this process! As far as things within VACU's control, things were simply OUTSTANDING! Working with Donna was a wonderful experience. She was very informative in all of the details that were required to complete the procedures. Donna was fantastic. I asked 10,000 questions and she was knowledgeable and patient with each one. 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 Donna 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
We couldn't be happier with the way Donna worked with us in this process! As far as things within VACU's control, things were simply OUTSTANDING!
Working with Donna was a wonderful experience. She was very informative in all of the details that were required to complete the procedures.
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.