Gerard Mills Back to 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 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. Apply with Gerard 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. 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 Gerard 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 Article 4 min Are You Ready to Buy a Home? Home Article 3 min What Is the Best Mortgage Loan for Me? Home Article 4 min How To Know When to Refinance Your Home Home Article 5 min What to Expect During the Mortgage Process Home Calculator Mortgage Savings Calculator Home Calculator Home Refinance Calculator Home Article 2 min What is Escrow and How Does it Work? Home Article 30 min Mortgage Acronyms Home
This was my first experience with VACU and it was amazing! Looking forward to doing more banking with VACU!
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.