Tonya Irizarry Back to Mortgage Loan Officers Tonya Irizarry Senior Mortgage Loan Officer NMLS# 604484 tonya.irizarry@vacu.org Office: (804) 614-3846 Hi, I’m Tonya, your local mortgage expert. A home purchase is typically the largest purchase a person will make in their lifetime. My goal is to get you the home of your dreams and provide the peace of mind knowing your investment will help secure your financial future. With more than 25 years of experience in the financial and mortgage industries, I love helping people through the homebuying process and helping their dreams come true. I own a nonprofit animal-related organization, and in my spare time, I enjoy assisting people in the community with their pets. I also love spending time with my nephews. Apply with Tonya 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: I was pleasantly surprised as to how quickly my loan was processed and approved. Absolutely no complaints. Tonya made all the difference. She was ... supportive, communicative, and reassuring, helping me keep faith throughout the entire process … the experience felt personal and not merely transactional. Everyone at VACU was very friendly, knowledgeable and professional, thank you! 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 Tonya Your Homebuying Knowledge Base See all Calculator Mortgage Payment Calculator Home Video 7 min Watch: 9 Questions First-Time Homebuyers Ask Home Article 5 min 10 Ways to Make Your Home Feel New Home Article 6 min Financing Your Dream Home with a Construction Loan Home Article 5 min What to Expect During the Mortgage Process Home Article 4 min Mortgage Rate Lock Explained Home Article 6 min 6 Tips to Navigate an Uncertain Real Estate Market Home Article 4 min Are You Ready to Buy a Home? Home Article 2 min What is Escrow and How Does it Work? Home Article 4 min How To Know When to Refinance Your Home Home Article 5 min How to Save for a Down Payment Home Calculator Mortgage Savings Calculator Home
I was pleasantly surprised as to how quickly my loan was processed and approved. Absolutely no complaints.
Tonya made all the difference. She was ... supportive, communicative, and reassuring, helping me keep faith throughout the entire process … the experience felt personal and not merely transactional.
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.