Gerard Mills
Gerard Mills
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:
-
My loan officer, Gerald, provided excellent service. His assistance helped me get what was needed to get my loan approved.
-
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.
-
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.
