All Mortgage Loan Officers Gerard Mills Senior Mortgage Loan Officer NMLS# 1805893 gerard.mills@vacu.org Office: (804) 205-5580 Toll-free: (800) 285-5051 x5580 Fax: (804) 267-1433 Apply with Gerard Biography I 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. 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 home buyer loans Low down payment options Specialty loans, including 100%-financing and jumbo loans Construction and construction-to-permanent loans Services Offered We've got different loan options, depending on what you need. I'm here to help you find the right solution for your unique situation. Mortgages From finding the right home to closing on a mortgage with a great rate, we help you at every step of the process. Refinancing Take 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 Watch: 9 Questions First-Time Homebuyers Ask When it comes to buying your first home, you have questions, and we have answers. 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.
Mortgages From finding the right home to closing on a mortgage with a great rate, we help you at every step of the process.
Refinancing Take 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
Watch: 9 Questions First-Time Homebuyers Ask When it comes to buying your first home, you have questions, and we have answers.
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.