All Mortgage Loan Officers Tina Huff Senior Mortgage Loan Officer NMLS# 455628 tina.huff@vacu.org Office: (804) 205-5574 Toll-free: (800) 285-5051 x5574 Fax: (804) 267-1433 Apply with Tina Biography I never dreamed I would be crunching numbers after college. I did not originally choose a career in mortgage lending, but I was drawn to it like a magnet. I purchased my first home in 1994 and had no idea what I was doing. I remember seeing the interest rate at 8.5% and the APR at 9%, and I almost walked out of the attorney’s office because I didn’t understand the difference. My personal banking experience had me fascinated by the complicated industry, and 27 years later, I am still loving it. I have found the best way to explain each step is to break it down in a way that our members can understand it so they can make educated decisions based on their situation and goals. I believe that education is power! I enjoy educating and consulting with our members so they are confident about the biggest financial decision they will make. When I am not in front of my computer, I enjoy working out and spending time with my family. 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 home buyer loans Low down payment options Specialty loans, including 100%-financing and jumbo loans Construction and construction-to-permanent loans Services Offered We've got different loan options, depending on what you need. I'm here to help you find the right solution for your unique situation. Mortgages From finding the right home to closing on a mortgage with a great rate, we help you at every step of the process. Refinancing Take 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 Tina Mortgage Resources See More Resources Watch: 9 Questions First-Time Homebuyers Ask When it comes to buying your first home, you have questions, and we have answers. 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.
Mortgages From finding the right home to closing on a mortgage with a great rate, we help you at every step of the process.
Refinancing Take 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
Watch: 9 Questions First-Time Homebuyers Ask When it comes to buying your first home, you have questions, and we have answers.
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.