Hampton Home Loans & Mortgage Lender

Finding your dream house is only the beginning of the journey to homeownership. Don’t forget that it’s also critical that you secure financing to claim the property as your own.
Christensen Financial (CFI) is Hampton’s leading mortgage company, with a wealth of experience providing mortgage lending to qualified buyers. Discover how our loan process works and which types of lending programs are available. Buying a new house is an exciting but sometimes scary process, and our specialists are experts at helping customers secure loans and understand what’s going on every step of the way.
4410 East Claiborne St. Suite 334, Hampton, VA, 32666
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A Personalized Loan Process

When you need a loan, nothing beats personal attention. That’s the precise solution we provide at CFI. Our primary aim is reducing paperwork and complexity so that the mortgage application process is straightforward and accessible to all.

Our experienced loan officers are happy to guide you through the entire mortgage process, one step at a time. Enjoy a stress-free lending process, knowing you’re in excellent hands for your new loan.

You can apply online if you like, or you may decide to speak with us first. Either way, we’ll get an answer for you fast.

  • Simply follow these steps:
  • Start with pre-qualification.
  • Choose the best mortgage program and rates.
  • Fill out your application.
  • Submit all required documents.

 

We run credit reports for final approval, and all appraisals and estimates happen first. Keep in mind that your application goes through underwriting. Once approved, the closing happens.
Follow these steps, and you’ll have the keys to your new home in no time. Applying for a mortgage is relatively straightforward, especially when you submit the required documentation quickly. It’s worth gathering up necessary information pertaining to your income and existing debts before you start.

If you have any pertinent questions or you want to learn more about any step in the loan process, just ask! We understand that some of the requests can be confusing, so we will assist you in getting the paperwork done on time.

What Are the Loan Qualifications?

Pre-qualification is an excellent way to discover where you stand. Essential information like current your credit score, obligations, and income will give a loan officer the information needed to determine your loan eligibility.

There are a few qualifications that empower you to gain loan approval, including:

  • First-time homebuyers – If this is your first home, you may qualify for special financing, including lower interest rates and less money required for a down payment.
  • Military veterans – Various VA programs exist to aid military veterans with purchasing a home. Find out which one you qualify for fast. You may even be able to get a loan with no down payment.

It’s an excellent time right now to buy a house, especially if you qualify for low fixed rates. The best way to find out is by pre-qualifying.

Documents are essential, so it’s worth gathering together your pay stubs, W2s, and other vital information. When the application process moves forward, those are the proofs required to obtain loans.

What Kinds of Loans Does CFI Offer in Hampton?

CFI offers a diverse range of loans in Hampton, Virginia. We have loans with fixed rates for qualified borrowers. Whether you’re making a home purchase or you need to refinance, there are loan programs available to help.

Consider our programs, and discover the one that’s right for you. Our options include:

  • Home improvement loans
  • Refinancing
  • First-time homebuyer loans
  • Reverse mortgages
  • Home purchase
  • Government loans

 

There’s a program for everyone, and some of them have additional benefits.

Please speak with one of our qualified representatives to discuss your needs. We’re flexible and always strive to secure the optimal financing for any project. You don’t need to struggle to decide what’s best when you can leverage our experience.

We have access to many programs from lenders, and we’ll work to get you the financing you deserve. Why pay too much for a mortgage when you have many alternatives? CFI has been helping borrowers for decades.

A Less Stressful Mortgage Application Process

We believe that applying for a home loan doesn’t have to cause stress. Our team understands the Hampton, VA market, and we know what it takes to gain approval. Don’t hesitate to contact us for help to find out which loan is best for your situation.

Purchasing a new home or refinancing an existing one in the Hampton area is no longer a challenge. Contact CFI today, and begin your journey to homeownership.

Need Help Crunching the Numbers?

Use our calculators to help you estimate how much you can afford on a new loan or what you could save with a refinance.

Our Process

Mortgage

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Reverse Mortgage

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First Time Home Buyers

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Mortgage Refinance

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Home Improvement Loans

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Government Loans

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Get In Touch

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