All Mortgage Loan Officers Jacqueline Kulas Mortgage Loan Officer NMLS# 1976919 jacqueline.kulas@vacu.org Office: (804) 584-4285 Apply with Jacqueline Biography One of my favorite experiences as a mortgage loan officer is seeing first-time homebuyers achieve their dream of homeownership. Whether it's educating on each step of the process or providing the information needed to make informed decisions, I always make it a priority to listen to each buyer's story to best meet the needs and goals of my clients. I grew up in Clifton, Virginia, a small town outside of Washington, D.C., and I have lived in Richmond with my husband since graduating from James Madison University. I am also an alum of VCU, and I have one son and two daughters. Together we are now a family of three Dukes and two Rams! In my free time, I enjoy the many great restaurants and breweries in Richmond, staying active playing golf and pickleball, or just relaxing at home over a meal with family and friends. 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 Jacqueline 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.