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Jacqueline Kulas

Jacqueline Kulas

Jacqueline Kulas

Mortgage Loan Officer
NMLS# 1976919
Office: (804) 584-4285

Hi, I’m Jacqueline, your local mortgage expert.

One of my favorite experiences as a mortgage loan officer is seeing first-time homebuyers achieve their dream of homeownership. Whether I'm educating on each step of the process or providing the information needed to make informed decisions, I make it a priority to listen to each buyer's story to best meet their needs.

I grew up in Clifton, Virginia, and I have lived in Richmond with my husband since graduating from JMU. 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, 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 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:

  • Don't change a thing. Worked very smoothly!

  • Everyone we spoke with was extremely helpful and we really appreciated how smooth the process was.

Services VACU offers:

Whether you're new to homebuying or you've done this before, we can help.

  • Mortgage Icon
    Mortgages

    From finding the right home to closing on a mortgage with a competitive rate, we're ready to help at every step.

  • Refinance Icon
    Refinancing

    Refinance to lower your monthly payments, change terms, or get cash out to use for a home project or other expense.

  • Home equity loans icon
    Home Equity

    Tap into the money you've already invested in your home to cover life's expenses.

  • Personal Loans Icon
    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.