Mortgage Loan Originator
Stephen Holland
NMLS ID#: 1084044
5040 Corporate Woods Drive Suite 101
Virginia Beach, VA 23462
About Me
Steve is a lifelong resident of the Virginia Beach area and a graduate of James Madison University. He has been involved in the financial industry for more than a decade, including working with Fortune 500 companies.
Steve believes strongly in developing solid, long-lasting relationships with his clients and the local business community. He continues to develop an outstanding reputation among his clients by providing exceptional knowledge of the current mortgage products available to them in today's ever-changing marketplace.
When away from the office, Steve enjoys the beach, biking, boating, golfing, cooking, football, and spending time with friends, family, and church. He is a former commercial airline pilot and believes that there is nothing in life that can't be accomplished with hard work and dedication.
That mentality is exactly what Steve brings to all of his clients. Steve says, "Nobody cares how much you know until they know how much you care. I care and will work hard for you. I do what others can't and what they can do, I do better!"ť
Featured Products
Cash2Keys
Cash Offer and Buy Now, Sell Later. With our Cash Offer program, even the odds and get your offers accepted, all with the power of cash. With Buy Now, Sell Later, current homeowners can comfortably sell their old home all while securing a new one.
Tools For You
Loan Options
Conventional
A conventional home loan is a mortgage that is not insured by the federal government, so their terms are more flexible than USDA, FHA or VA loans. Offering low interest rates, they’re a great fit for customers with good credit and financial stability who can afford a down payment.
Quick Facts
- Downpayment Required
- Insurance Required
- Higher Credit Needed
- No Residency Restrictions
- Not Insured
VA Loan
Insured through the U.S. Department of Veterans Affairs, VA loans do not require the borrower to make any down payment or to get private mortgage insurance, amounting to substantial savings. With lower rates and the far more lenient underwriting standards, if your borrower is a current or former member of the U.S. armed forces, they are unlikely to get a better deal with any other kind of loan.
Quick Facts
- No Downpayment
- Insurance Optional
- Lower Credit Accepted
- Primary Residence
- Government Insured
USDA
The United States Department of Agriculture developed this mortgage option to improve the economy and quality of life in rural America by encouraging the purchasing of rural land. USDA loans are issued through the USDA Rural Development Guaranteed Housing Loan Program, and you might be surprised how feasible it is to qualify for one beyond what most would consider “farmland”.
Quick Facts
- No Downpayment
- Insurance Required
- Lower Credit Accepted
- Primary Residence
- Government Insured
FHA
An FHA loan is a mortgage designed for low-to-moderate-income borrowers. Insured by the Federal Housing Administration, FHA loans require a lower minimum down payment and credit scores than many conventional loans.
Quick Facts
- Downpayment Required
- Insurance Required
- Lower Credit Accepted
- Primary Residence
- Government Insured