Business Details
Your Trusted Mortgage Partner in Southwest Virginia
First Residential Mortgage is a locally owned and operated mortgage company dedicated to providing personalized service across Virginia. With offices in Blacksburg, Marion, and Abingdon, we specialize in guiding clients through home purchases and refinancing with expertise and care. Our team prioritizes transparency, offering competitive rates and tailored solutions for first-time buyers, veterans, and investors. We leverage digital tools for seamless transactions while maintaining a human touch through video explanations and 24/7 support.With decades of combined experience, we ensure clients understand every step, from pre-approval to closing. Our commitment to Southwest Virginia extends beyond transactionswe build lasting relationships rooted in trust and community. Recognized for exceptional customer service, we consistently deliver stress-free experiences and favorable outcomes. Whether you're buying a home or refinancing, we're here to make your goals a reality.
Services
Home Purchase Loans
Refinancing Options
VA Home Loans
FHA Loans
Investment Property Financing
Online Mortgage Applications
Pre-Approval Services
Jumbo Loans
Conventional Loans
USDA Loans
Highlights and features
- We provide personalized mortgage guidance tailored to your financial goals.
- Our team offers competitive rates and transparent terms for all loan types.
- We specialize in VA loans and support military veterans' homeownership dreams.
- Our digital tools streamline the process while maintaining a human touch.
- We guarantee 24/7 availability for urgent client questions or concerns.
Associations and certifications
- NMLS
- VA Mortgage License
What people say
Seamless process
Competitive rates
24/7 availability
Expert VA loan guidance
Rapid refinancing
Services
Home Purchase Loans
We specialize in customized home purchase loans for first-time buyers, veterans, and investors. Our team ensures competitive rates, transparent terms, and step-by-step guidance from pre-approval to closing. With local expertise in Southwest Virginia's housing market, we streamline the process using digital tools while maintaining personalized support through video explanations and 24/7 availability.
VA Home Loans
Tailored mortgage solutions for military veterans and active-duty personnel. We offer expert navigation of VA loan benefits, including zero-down payment options and competitive rates. Our team has decades of experience securing approvals for complex cases, ensuring seamless transactions aligned with veterans' unique needs and timelines.
Refinancing Options
We deliver fast, efficient refinancing solutions to reduce monthly payments or tap into home equity. Our process includes rate analysis, document submission via secure portals, and personalized video breakdowns of financial implications. Clients benefit from same-day communication and a track record of closing refinances in under 30 days.
Online Mortgage Applications
Our user-friendly online platform enables complete mortgage applications from anywhere. Features include electronic document uploads, real-time status tracking, and virtual consultations. This digital-first approach maintains rigorous security while eliminating in-person visits, ensuring convenience without compromising personalized service quality.
Investment Property Financing
We provide specialized financing for residential and commercial investment properties. Our advisors analyze cash flow scenarios, offer competitive terms for multi-unit purchases, and support portfolio growth strategies. With experience in complex transactions, we help investors achieve long-term wealth-building goals through tailored mortgage solutions.
People
Ryan Hall
Mortgage Advisor
Ryan Hall brings 14+ years of mortgage expertise to First Residential Mortgage, specializing in VA loans and first-time homebuyer programs. He combines digital innovation with personalized service, offering video explanations and 24/7 client support. Ryan's clients praise his responsiveness, competitive rates, and ability to close complex transactions swiftly.
Josh Rowland
Loan Officer
Josh Rowland delivers compassionate mortgage guidance, particularly for clients facing unique challenges. With deep Southwest Virginia roots, he specializes in navigating long-distance purchases and stressful life circumstances. Clients highlight his diligence, communication skills, and commitment to finding creative solutions for difficult cases.
Brian Hall
Senior Loan Officer
Brian Hall offers veteran-focused mortgage expertise, particularly with VA loan intricacies. He collaborates closely with realtors to secure favorable terms and maintains a reputation for rapid problem-solving. Clients consistently note his ability to reduce interest rates significantly and simplify complex documentation processes.
Questions
What mortgage options do you offer for first-time homebuyers?
We specialize in FHA loans, VA loans, and conventional mortgages with low down payment options. Our advisors explain each program's benefits to match your specific eligibility and financial goals.
How quickly can you close a refinance?
Most refinances close within 30 days using our streamlined process. We leverage digital tools for fast document review and maintain 24/7 communication to address any issues immediately.
Do you offer mortgage services for veterans?
Yes, we're experts in VA home loans with decades of experience maximizing veterans' benefits. This includes zero-down payment options, competitive rates, and specialized support for service-related considerations.
Can I complete the mortgage process entirely online?
Yes, our Borrower Portal enables full online applications, document submission, and electronic signatures. We maintain personalized support through video explanations and instant messaging while eliminating office visits.
How do you help clients secure the best mortgage rates?
We analyze multiple loan programs daily, negotiate aggressively with lenders, and provide personalized rate-lock strategies. Our clients consistently receive rates 0.5-1% lower than initial offers from larger institutions.
