Business Details
Your Trusted Mortgage Partner in Virginia Beach, VA
Ability Mortgage Group has dedicated itself to empowering individuals and families to achieve homeownership through personalized mortgage solutions. With over 25 years of experience in the residential mortgage industry, our team combines deep expertise with a client-centric approach to navigate the complexities of home financing. We specialize in a wide range of loan options, including fixed-rate, adjustable-rate, FHA, VA, and jumbo loans, tailored to meet diverse financial needs. Our commitment to transparency ensures clients receive clear guidance throughout the mortgage process. Licensed in multiple states, we serve communities across the United States with integrity and professionalism. Our team prioritizes long-term relationships over transactions, striving to make homeownership accessible and sustainable.Backed by industry-recognized accreditations, we adhere to the highest standards of ethical lending practices. Whether you're a first-time homebuyer or seeking to refinance, our goal is to simplify the journey while delivering exceptional service. We pride ourselves on staying ahead of market trends to offer competitive rates and innovative solutions. Our local expertise in Virginia Beach and beyond ensures clients benefit from region-specific insights. At Ability Mortgage Group, we believe every client deserves a mortgage experience that is seamless, informed, and tailored to their unique aspirations.
Services
30 Year Fixed Mortgage
15 Year Fixed Mortgage
Adjustable Rate Mortgage
FHA Loans
VA Loans
Jumbo Loans
Reverse Mortgage
Highlights and features
- We offer 25+ years of mortgage industry expertise with personalized service.
- Our licensed team operates across 25+ states with local market knowledge.
- We provide transparent, ethical lending practices with no hidden fees.
- Our diverse loan portfolio includes specialized programs for all buyer types.
- We maintain industry-leading compliance and customer satisfaction standards.
Associations and certifications
- NMLS
What people say
Knowledgeable staff
Transparent process
Personalized service
Competitive rates
Efficient closing
Services
30 Year Fixed Mortgage
Our 30-year fixed-rate mortgages provide stable monthly payments with predictable interest rates over the loan term. This popular option suits buyers seeking long-term financial planning security while maintaining affordability. Our experienced loan officers help clients qualify for competitive rates based on current market conditions and individual financial profiles.
FHA Loans
FHA-insured loans offer low down payment options and flexible credit requirements for first-time homebuyers. We guide clients through the qualification process, ensuring compliance with federal guidelines while maximizing accessibility to homeownership opportunities for qualified applicants.
VA Loans
We specialize in VA-guaranteed mortgages for eligible military personnel and veterans, offering zero-down payment options and favorable terms. Our team assists with documentation verification and streamlines the application process to honor service members' housing benefits.
Jumbo Loans
Our jumbo loan programs cater to high-value property purchases exceeding conventional loan limits. We provide tailored financing solutions with competitive rates for luxury homes and investment properties requiring specialized underwriting considerations.
Reverse Mortgage
We offer reverse mortgage options for homeowners aged 62+ to convert home equity into tax-free income. Our counselors explain program requirements, ensuring clients understand financial implications and eligibility criteria for this retirement funding solution.
People
Craig Reynolds
Loan Officer
With 25+ years in residential mortgages, Craig specializes in personalized loan solutions. He holds Maryland licensure (NMLS #498059) and prioritizes client education throughout the homebuying journey.
P.J. Yates
Senior Marketing Director
As Senior Marketing Director, P.J. leads content strategy and client communication initiatives. With mortgage industry expertise, they ensure educational resources align with client needs and regulatory standards.
Questions
What mortgage options do you offer?
We provide 30-year fixed, 15-year fixed, adjustable-rate, FHA, VA, jumbo, and reverse mortgages to suit various financial situations.
Are you a direct lender?
We operate as a mortgage broker connecting clients with multiple lenders, ensuring access to competitive rates and diverse loan programs.
In which states do you operate?
We are licensed to serve clients in 25 states including Virginia, Maryland, Florida, Texas, and California.
How can I get pre-approved?
Start by submitting our online pre-approval application or contacting our team directly to begin the qualification process.
What documentation is required?
Typical requirements include income verification, credit history, asset statements, and property details for purchase or refinance.
Do you offer refinancing options?
Yes, we specialize in refinancing solutions including rate-and-term adjustments and cash-out refinances for qualified borrowers.
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