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Gerard Mills

Headshot of Gerard Mills

Gerard Mills

Senior Mortgage Loan Officer
NMLS# 1805893
Office: (804) 205-5580
Toll Free: (800) 285-5051 x5580
Fax: (804) 267-1433

Hi, I’m Gerard, your local mortgage expert.

I chose a career in mortgage lending because of my interest in real estate and finance. I know how difficult it is to obtain good advice, and as a lifelong student of real estate and investing, I've found that mortgage lending provides a place to empower our members and enhance their lives.

My goal is to make the experience as smooth as possible. Whether it’s assisting first-time homebuyers or providing advice to those wishing to refinance, I love being entrusted to help members reach their financial goals.

I was born and raised in Richmond. The area is growing, and I’m happy to be a part of the community. When I’m not busy helping our members, I enjoy spending time with my daughters, playing golf, and being outdoors.

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:

  • This was my first experience with VACU and it was amazing! Looking forward to doing more banking with VACU!

  • The team did a great job throughout the loan process.

Services VACU offers:

Whether you're new to homebuying or you've done this before, we can help.

  • Mortgage Icon
    Mortgages

    From finding the right home to closing on a mortgage with a competitive rate, we're ready to help at every step.

  • Refinance Icon
    Refinancing

    Refinance to lower your monthly payments, change terms, or get cash out to use for a home project or other expense.

  • Home equity loans icon
    Home Equity

    Tap into the money you've already invested in your home to cover life's expenses.

  • Personal Loans Icon
    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.