All Mortgage Loan OfficersSteve DuttonMortgage Loan OfficerNMLS# 574223 steve.dutton@vacu.org Office:(804) 614-3240Toll-free:(800) 285-5051 x3240Fax:(804) 267-1433 Apply with Steve BiographyFor more than 20 years, I’ve had the pleasure of assisting others in achieving their goal of home ownership or bettering their financial situation. By helping our members achieve this goal, I want them to know they have a loan officer for life, whether it’s a home purchase or refinance.The most important thing to me as a mortgage loan officer is that each member feels confident that our team is committed to helping throughout each step. It’s my duty to make sure my clients are in the best place when the process is done, both emotionally and financially.I’ve lived in Virginia my entire life and have always enjoyed the seasonal weather and all our city has to offer. 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. Benefits of working with a VACU Mortgage Loan OfficerI'm local and ready to help. Whether it's your first home or fifth, I'll be in your corner every step of the way.Mortgages for your primary residence, second homes, or investment propertiesNo closing-cost optionsAdjustable rate mortgagesFirst-time home buyer loansLow down payment optionsSpecialty loans, including 100% financing and jumbo loansConstruction loans and land loans Services OfferedWe've got different loan options, depending on what you need. I'm here to help you find the right solution for your unique situation. MortgagesFrom finding the right home to closing on a mortgage with a great rate, we help you at every step of the process. RefinancingTake 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 Steve Mortgage Resources See More Resources A Guide to Home Buying In this helpful video series, we'll walk you through the basics of buying a home. 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.
MortgagesFrom finding the right home to closing on a mortgage with a great rate, we help you at every step of the process.
RefinancingTake 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
A Guide to Home Buying In this helpful video series, we'll walk you through the basics of buying a home.
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.