Steve Dutton Back to Mortgage Loan Officers Steve Dutton Senior Mortgage Loan Officer NMLS# 574223 steve.dutton@vacu.org 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. Apply with Steve 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. 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 Steve 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
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!!
100% satisfied with the team in guiding me through this process from start to finish and I would highly recommend [them] to anyone else.
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.