Mortgage Services in Hampton Roads One Broker. Dozens of Lenders.

Bring Brian Lacey your situation, VA loan, first purchase, refinance, complex credit.

He compares wholesale lenders until he finds the loan that actually fits.

Your bank can’t do that.

Why a Broker Is Different From a Bank

A retail lender, a bank, a credit union, or a big online lender offers one product shelf. The rate they quote is the rate they have.

A mortgage broker has wholesale access to dozens of lending institutions and compares them to find the loan that fits your specific profile.

Brian Lacey is a licensed mortgage broker in Hampton Roads.

Every loan type below is shopped across the market before he brings you a recommendation.

What Brian Handles

Every service Brian offers is listed here.

Each links to a dedicated page with full operational detail, buyer-specific guidance, and the broker advantage framed for that specific loan type.

VA home loans for Hampton Roads military and veterans

For active-duty military, veterans, and surviving spouses who qualify for VA financing. Brian shops your VA loan across multiple wholesale lenders, so the zero-down benefit you earned comes with the best rate available, not just the first one quoted. Entitlement, funding fees, PCS timelines, and VA appraisals handled by someone who has done it more times than most lenders have processed total.

First-time homebuyer mortgage programs in Hampton Roads

Down payment assistance, VHDA programs, FHA loans, and the full pre-approval process explained step by step. Brian surfaces every program a first-time buyer qualifies for, including programs most buyers don’t know exist and makes sure there are zero surprises at the closing table.

Refinance your Hampton Roads mortgage

Bring Brian your current lender’s quote. He compares it against the wholesale market. If he can beat it, he will tell you by how much and close it. If he can’t, he will tell you that too and explain exactly why. Cash-out, rate-and-term, and VA IRRRL refinance all handled.

Complex Credit & Non-Traditional Income

If another lender told you no, call Brian. 36 years of underwriting depth and access to dozens of loan programs means Brian finds solutions that a bank with one product shelf cannot offer. Self-employed buyers, prior credit events, gaps in employment history, Brian has closed loans in every scenario.

Talk To Brian About Your Options

Situations Brian Sees Every Week With First-Time Buyers

"I have student loans. Can I still get approved?" Yes, in almost every case. The calculation depends on the loan program and the debt-to-income ratio, not the existence of student debt. Brian explains the math specifically.

"My lease is up in four months." Brian has closed first-time buyer loans within 30 to 45 days when the transaction was clean and the buyer was ready. He will tell the buyer at the first call whether the timeline is achievable.

"My credit score is okay but not great." FHA has different credit score floors than conventional. Brian identifies the right program for the actual score, not an idealized one.

"I want to buy in Chesapeake / Suffolk / Virginia Beach but I’m not sure I can afford it." Brian runs the actual numbers for the specific submarket, the specific down payment, and the actual programs that apply. Buyers routinely discover they qualify for more than they assumed.

"I don’t have a 20% down payment saved." Most first-time buyers don’t and don’t need to. Down payment assistance, FHA, and conventional 3% down programs exist precisely for this.

Contact Brian About Your Situation

Not Sure Which Loan Is Right for Your Situation?

The first conversation with Brian is free and without obligation.

Tell him your situation, he will tell you which programs you qualify for, what the rate looks like across the market, and what the next step is. No pressure. Just clarity.

Talk To Brian Today

Riverstone Mortgage — Hampton Roads, Virginia

Brian Lacey • Branch Manager • NMLS #13008

Riverstone Mortgage • Hampton Roads, VA • Equal Housing Lender • All loans subject to credit approval and qualification. This is not a commitment to lend. Appraisal and inspection offer subject to use of Riverstone Mortgage and a Riverstone-referred real estate agent for the same transaction. Not available in all situations. Ask a Riverstone loan officer for complete details.