Our goal is to act as your trusted mortgage advisor, providing highly personalized service and guiding you through every step of the loan process. Brightleaf Mortgage is built around the customer and designed to exceed your expectations, guarantee your satisfaction, and earn your trust. Our entire team here at Brightleaf Mortgage was born and raised in Richmond Virginia.
And with over 25 years of combined mortgage and real estate experience - we have an in-depth knowledge of the Richmond housing market. Having a hard time understanding how the mortgage loan process works? We want you to be educated on the process, so you fully understand step-by-step how we are going to get you in the home of your dreams.
And with over 25 years of combined mortgage and real estate experience - we have an in-depth knowledge of the Richmond housing market. Having a hard time understanding how the mortgage loan process works? We want you to be educated on the process, so you fully understand step-by-step how we are going to get you in the home of your dreams.
Services
Integrity is the cornerstone of Brightleaf Mortgage. We believe a mortgage should be about building relationships and helping our customers achieve their home financial goals, not just a transaction. At Brightleaf Mortgage, we take a consultative approach to the home loan process by customizing each transaction to help our customers achieve their home financial goals.
Conventional loans are mortgages made by private lenders that meet the underwriting requirements of Fannie Mae or Freddie Mac. We can help you compare the different types of conventional loans to make sure you are getting the product that suits your situation. FHA loans are mortgage loans insured through the Federal Housing Administration (FHA).
Previously, getting a conventional mortgage meant making a 20% down payment. Which wasn't an Ideal situation for first-time home buyers. Recent changes have made things different today; several conventional loan programs that require less money down e.g. 3% or 5% and compete directly with traditional low down payment programs like FHA.
FHA loans are mortgage loans insured through the Federal Housing Administration (FHA). These mortgages make home ownership much more affordable and have easier credit requirements that are perfect for first time homebuyers, families with lower credit scores or with low to moderate incomes. FHA home loans reduce the barrier to entry for homebuyers and refinancers by featuring low down payments, flexible credit requirements and more purchase power.
The US Government's VA loans program helps veterans, active-duty service members members and their families qualify for a home loan. VA home loans are backed by the US Department of Veterans Affairs. VA home loans feature no down payment or private mortgage insurance (PMI) requirements, giving you the best choice for any veteran or active service member looking to purchase a home.
Reviews (12)
Meredith Smart
Oct 31, 2021
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Taryn Gulkewicz
Oct 03, 2021
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Derrick and James helped me and my husband tremendously during the process of buying our first home. There were a lot of strange circumstances that occurred during our closing process, and Derrick never failed to follow up with all of the necessary parties in order to let us know what was going on. James was also super knowledgeable and explained every step along the way so that we always understood what was happening and what came next. Overall, we had a great experience working with Brightleaf Mortgage and would happily do so again in the future.
Valerie Krause
Sep 02, 2021
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Cory was absolutely fantastic the entire time in helping us through the process of buying our dream home in the Northern Virginia area. We are a military family and he made the VA process easy to understand and always answered any questions we had. Having Cory by our side during this whole process made us feel very comfortable and secure every step of the way! We look forward to referring him to other friends as we know he will take amazing care of them like he did for us! Thank you so very much again to Cory and the entire Brightleaf team. We appreciate you all so very much!
Bfinney
Aug 27, 2021
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David Woodrum
Aug 23, 2021
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I can’t recommend Cory, and the team, at Brightleaf highly enough!! My wife and I thought we had missed the boat on locking in a great refinance rate but Cory was able to shave over 2% points of our interest rate, dropping us from a 30 yr into a 15 yr mortgage and kept our monthly payment the same. We basically shaved 8 years off our mortgage!
Seriously, if you’ve been thinking about refinancing, Brightleaf should be your FIRST call! You won’t regret it.
Seriously, if you’ve been thinking about refinancing, Brightleaf should be your FIRST call! You won’t regret it.
Robert Sharpe
Aug 22, 2021
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Cory helped us refinance/consolidate our mortgage, HELOC, and student loans into a single 15-year mortgage. He got us a great rate and lowered our total monthly payment, while reducing our mortgage term by 5 years. The process was smooth from the consultation through closing. He was always promptly responsive to any questions my wife or I had, and we never felt any pressure to move forward with the refinance. We’re very happy with the new loan and that we chose Cory and Brightleaf Mortgage for our refinance. We would highly recommend using them.
Ricky Hewitt
Aug 19, 2021
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I was connected with James at Brightleaf through a trusted mutual friend - which is a way of doing business that I am a big fan of. My experience working with James and his team was exactly what I was looking for. I was provided with very professional services, a fantastic rate, a simplified process with a personal consultant style of communication.
James was able to get me the level of "loan approval" I needed at the appropriate steps without having to submit a ton of documents up front. It was a stepped approach that prioritized each step only as needed and that made it seamless for me. As someone
James was able to get me the level of "loan approval" I needed at the appropriate steps without having to submit a ton of documents up front. It was a stepped approach that prioritized each step only as needed and that made it seamless for me. As someone
Madalyn Mcconnell
Aug 18, 2021
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Working with Brightleaf was an amazing experience! They were quick, patient and very professional. We had a unique case and spent nearly 5 months working with the Brightleaf team, but they were patient and worked with us so that we were able to close on our dream house - PLUS we got an exceptionally low rate! Highly recommend using Brightleaf!!
Brett Heim
Aug 16, 2021
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Positive: Professionalism, Quality, Responsiveness, Value
I worked with Cory and the Brightleaf team for a new home purchase in June 2021. Cory and his team were easy to get in touch with, quick to respond, and kept me completely informed throughout the process. The rates that Brightleaf offers are very competitive. Would highly recommend and would use them again!
I worked with Cory and the Brightleaf team for a new home purchase in June 2021. Cory and his team were easy to get in touch with, quick to respond, and kept me completely informed throughout the process. The rates that Brightleaf offers are very competitive. Would highly recommend and would use them again!
Mark W.
Feb 24, 2021
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If you're in the market to purchase a new home or execute a refinance, Brightleaf is the business to use! James was extremely knowledgeable and friendly. He assisted us with the purchase of our new home and locked us in at a historically low rate. Rest assured, if you choose Brightleaf for your mortgage needs you will be in great hands.
Angie Burr
Jul 22, 2020
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We had a wonderful experience with James. He answered all of our questions and recommended several scenarios. In the end, he helped us refi from a 30 year to a 15 year mortgage on our primary home. We are thrilled to save on interest and the process was easy and smooth from start to finish. I would highly recommend Brightleaf Mortgage and James Goodwillie.
Chris Ham
Apr 17, 2020
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