8249 Crown Colony Pkwy. Mechanicsville, VA 23116 804 730 7770

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Your mortgage professionals.

The home-building journey is filled with a variety of important decisions. With the knowledge and experience you need, our professionals ensure that the entire mortgage process is a smooth and enjoyable one. Towne First Mortgage offers a wide array of loan programs to provide you with the best possible fit for your individual mortgage needs. They pride themselves in providing excellent customer service and establishing long lasting customer relationships.

They will guide you through the loan process, every step of the way.

Available Mortgage Options:

VA LOAN: No downpayment and no monthly mortgage insurance for veterans, active duty servicemen and qualifying family members when staying within VA loan limits

FHA LOAN: As little as 3.5% downpayment for first-time homebuyers

CONVENTIONAL LOAN: Fixed rate or adjustable rate loans with up to 95% financing

VHDA 97% LOAN : As little as 3% downpayment and no monthly mortgage insurance. VHDA is for Virginia Residents only.

VHDA FHA PLUS 101.5% LOAN: 1st mortgage of 96.5% and 2nd mortgage of 3.5-5% of sales price to help fund your downpayment and closing cost. VHDA is for Virginia Residents only.

USDA LOAN: Perfect for rural buyers, with up to 102% financing and low monthly mortgage insurance.

Zoila Sedlak
Mortgage Loan Officer
NMLS ID #: 337234
804 839 8620
zoila.sedlak@townefirstmortgage.com

The guidance of a trustworthy and experienced mortgage professional can simplify any home financing experience. Towne First Mortgage has a wealth of knowledge and resources to assist you in finding the best loan to meet your individual home buying needs. We pride ourselves in providing excellent customer service and establishing long lasting customer relationships.

As an experienced lender, Zoila Sedlak is available to guide you through the home financing process. Whether you are purchasing your first home, an investment home, refinancing or just need mortgage advice, Zoila Sedlak can help.

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