All Mortgage Loan OfficersGerard MillsMortgage Loan OfficerNMLS# 1805893 gerard.mills@vacu.org Office:(804) 205-5580Toll-free:(800) 285-5051 x5580Fax:(804) 267-1433 Apply with Gerard BiographyI chose a career in mortgage lending because I’ve always had an interest in real estate and finance. I’ve learned firsthand how difficult it is to obtain good advice, and as a lifelong student of real estate and investing, I have found that mortgage lending provides an avenue to share empowering financial advice to our members that can enhance their lives.I want every borrower to know that my goal is to make the experience as smooth as possible. Whether it’s the opportunity to assist first-time home buyers navigate the mortgage process or provide loan product advice to those wishing to refinance, my greatest joy is being entrusted to play a pivotal role in helping our members accomplish their financial goals.I am born and raised in Richmond and believe it’s a great place to raise a family. Richmond 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 two daughters, playing golf, and being outdoors. 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 Gerard 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.