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Steve Dutton

Headshot of Steve Dutton

Steve Dutton

Senior Mortgage Loan Officer
NMLS# 574223
Office: (804) 614-3240
Toll Free: (800) 285-5051 x3240
Fax: (804) 267-1433

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

For more than 20 years, I’ve helped others achieve their goals of homeownership and bettering their financial situation. Whether they make a home purchase or refinance, our members will have a loan officer for life.

The most important thing as a mortgage loan officer is to ensure every member feels confident that our team is committed to helping them through each step. It’s my duty to make sure my clients are in the best place, both emotionally and financially, when the process is done.

I’ve lived in Virginia my entire life. In my spare time, I enjoy spending time with my wife and children, traveling, and being outdoors. I also volunteer as a youth football and soccer coach through different local programs in the Richmond area.

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 by far the best customer service we have ever received … Steve was outstanding. He was the most competent, helpful, and responsive professional we have worked with. Thank you!!

  • Excellent experience. Great customer service! Thank you so much!

  • 100% satisfied with the team in guiding me through this process from start to finish and I would highly recommend [them] to anyone else.

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.