John Maderia Back to Mortgage Loan Officers John Maderia Senior Mortgage Loan Officer NMLS# 836990 john.maderia@vacu.org Office: (434) 974-3941 Toll Free: (800) 285-5051 x3941 Fax: (804) 267-1433 Hi, I’m John, your local mortgage expert. At VACU, it’s more than selling a mortgage. It’s advising and educating a member about a process that results in a better way of life. Refinancing or applying for a mortgage can be a complicated experience. I'm here to walk you through the steps and answer any questions along the way. I’ve been in the mortgage loan industry for more than 19 years. Whether assisting a member with purchasing a home or refinancing for life events, I’m helping them achieve a life goal. I have lived in the Richmond area for more than 49 years. In my spare time, my wife and I enjoy exploring Virginia’s history, museums, performing arts, and sporting events. I’m also a member of a church where I conduct a class for middle and high school-aged students. Apply with John 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: The process was very comfortable and easygoing. Everything was explained, and the length of the process was what I was told at the beginning. I just want to express my gratitude to John and Jessica. Both fully explained the process, what their part of the process entailed, the time frames for contact, and follow-up. Great experience! I will look to transfer more of my financial needs to VACU. 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 John Your Homebuying Knowledge Base See all Article 6 min Financing Your Dream Home with a Construction Loan Home Video 7 min Watch: 9 Questions First-Time Homebuyers Ask Home Calculator Mortgage Payment Calculator Home Article 5 min 10 Ways to Make Your Home Feel New Home Article 4 min What Are Closing Costs? Home Article 4 min What Does Homeowner's Insurance Cover? Home Article 6 min 6 Tips to Navigate an Uncertain Real Estate Market Home Article 4 min Home Improvements that Pay Off Home Article 6 min How to Get Pre-Qualified for a Mortgage Home Calculator Home Affordability Calculator Home Article 3 min Mortgage Documents Checklist Home Article 4 min Mortgage Rate Lock Explained Home
The process was very comfortable and easygoing. Everything was explained, and the length of the process was what I was told at the beginning.
I just want to express my gratitude to John and Jessica. Both fully explained the process, what their part of the process entailed, the time frames for contact, and follow-up.
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.