36 Years of YES!
Your Hampton Roads Mortgage Broker
When your bank offers one rate, Brian Lacey shops dozens. VA loans, first-time buyer programs, FHA, and refinance
Brian compares wholesale lenders until he finds the deal you actually deserve.
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36 Years of Mortgage Experience
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Licensed Mortgage Broker, NMLS #13008
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Access to Dozens of Wholesale Lenders
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VA, FHA, VHDA, DSCR, bank statement, 1099, Conventional & Jumbo Loans
FOR MILITARY AND VETERANS
You Earned Your VA Loan.
Brian Makes Sure You
Get The Best One
Most military buyers don't know this: the VA sets your eligibility, not your rate.
Your rate depends on which lender you use.
Brian is a licensed broker who compares VA rates across dozens of lenders. Most buyers save money they didn't know was on the table.
FOR FIRST TIME HOME BUYERS
Every Program You
Qualify For.
Zero Surprises.
Most first-time buyers are confused before they call Brian and confident by the time they close.
He explains every step, surfaces every program you qualify for and makes sure there are zero surprises at the closing table.
THE BROKER ADVANTAGE
Your Bank Offers
One Rate.
Brian Shops Dozens.
A retail lender has one product shelf.
Brian Lacey is a licensed mortgage broker with wholesale access to dozens of lending institutions. He compares them head-to-head until he finds the loan that fits your situation, your budget, and your timeline.
Bring him your bank’s rate. He will either beat it or tell you exactly why he can’t. Either way, you will know you made the right call.
36 Years closing mortgages
“Bring me the rate you were quoted. I’ll either beat it or tell you why I can’t. Either way, you’ll know you made the right call.”
Brian Lacey — NMLS #13008
Mortgage Services In Hampton Roads
The right next step depends on where you are in the process. Start with the path that fits you best.
VA Home Loans
Most military buyers don't know their VA rate isn't set by the VA, it's set by the lender.
Brian compares VA rates across dozens of lenders so you know you got the best one available, not just the first one offered.
Zero down, no PMI, and 36 years of VA loan experience in Hampton Roads.
Why Hampton Roads Buyers
Choose Team Lacey
36 Years In The Industry
Brian has closed loans in every market condition Hampton Roads has produced. He has seen every scenario.
Broker Access
Not Bank Limits
Wholesale access to dozens of lenders means buyers get a rate that has been compared, not just offered.
Broker Access
Not Bank Limits
Wholesale access to dozens of lenders means buyers get a rate that has been compared, not just offered.
VA Loan
Specialist
Entitlement, funding fee exemptions, PCS timelines, VA appraisals — Brian has managed all of it, more times than he can count.
Pre-Approval
That Holds
Brian’s pre-approval letters do not fall apart at the closing table. Sellers and agents in Hampton Roads trust them.
Serving All Of Hampton Roads
Virginia Beach, Norfolk, Chesapeake, Suffolk, Hampton, and Newport News — including the military corridors around NAS Oceana, Naval Station Norfolk, Langley Air Force Base, and Fort Eustis.
Delivering the right loans for the right reasons is the only way we do business!
Hampton Roads Homeowners On Working With Riverstone Mortgage
“Brian and his team had a tight deadline for our request to move and made it happen. Very smart and diligent team that I would recommend to anybody to use.”
- Samuel
“We were very happy that we were not treated like just a number but a real family with real needs. They listened to what was important to us and were wonderful to work with. I would do it again in a heartbeat. Thank you!”
- Renee
“Brian was always available and was extremely helpful every single time we spoke. Responses were quick and specific, plus sooo friendly with a great sense of humor. Very knowledgeable and armed with the right answers.”
- Terry
Questions Hampton Roads Home Buyers Ask
When should I get pre-approved?
As early as possible once buying is becoming real. It helps you understand your options and your comfort range before the stress of a specific home enters the picture.
What affects my real monthly mortgage payment?
Your real payment is shaped by more than loan amount alone. Interest rate, taxes, insurance, mortgage insurance when applicable, and your down payment all matter.
Can you help if I am relocating to Hampton Roads?
Yes. Relocation buyers often need local context, fast answers, and a mortgage plan that reduces stress instead of adding to it.
Should I use a VA loan or compare other options too?
VA can be a strong fit, but it is still smart to compare based on your goals, timeline, and payment strategy.
What if I am not buying right away, but want to start planning?
Start with a conversation or pre-approval planning. Early clarity usually makes the whole process easier later.
Farm
Urban
Family
Military
luxury
FREE RESOURCE
Getting PCS Orders? Here Is What Hampton Roads VA Loan Buyers Need to Know First.
PCS timelines are tight.
The difference between a broker and a retail lender shows up most when the clock is running.
And there are questions every military buyer should ask before they talk to a single lender, questions most never think to ask.
Brian wrote the Hampton Roads VA Loan PCS Guide so military buyers have the full picture before the first conversation.
What the guide covers
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Your VA rate is not set by the VA and what that costs you
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What to do when your orders are not in writing yet
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The BAH situation that catches military buyers off guard
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The inspector, termite inspector, and title company decisions most buyers get wrong
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Brian's referral network, the retired Navy agent, the title company, and why it matters
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Six questions to ask any VA lender before you commit