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. Any loan officer can get you a loan. Our mission is to get you the right loan for your Richmond, Virginia home.
The Brightleaf Mortgage Team has been a pioneer in transforming the way that the customer looks at their mortgage lending relationship. With over 25 years of combined experience, the Brightleaf team has provided a level of value to their clients that is uncommon in the mortgage business.
In a typical mortgage experience, you would contact a lender, provide them with what you were looking for and the salesperson would inform you if they can help you and at which terms. We simply believe from the customer’s side, this experience doesn’t provide them with the value needed to make one of the largest purchases of their lives. Any mortgage company will tell you what you CAN do, but very few will help you understand what you SHOULD do.
Our team takes the time to better understand your holistic financial picture and our advice is based around the short and long-term goals you may have set out for yourself. We spend time with each client, either in our office or through a virtual meeting, to walk you through every step of the process and to ensure you have clarity around making an educated decision. Our team is also happy to make other face-to-face arrangements if needed.
We want you to ask yourself the question, “Who is really benefiting from the lenders suggestion?” In a typical mortgage situation, the lender is benefiting. Unlike most mortgage brokers, it’s important to know that our Mortgage Advisors are compensated on a flat commission. This allows our team to give you well thought out unbiased advice and guidance regardless of the outcome. The best part of this commission structure is that all extra points over the flat rate goes directly to you – possibly saving you thousands.
Our team believes that because we often times are helping you with your largest financial asset (your home) and your largest debt (your mortgage), that we have a fiduciary responsibility to proactively help you make smart decisions, before, during and well after your initial transaction with us. We have a goal of helping all of our clients grow their wealth over time, reduce their debt for a debt free retirement and plan appropriately for their future.
Brightleaf Mortgage has not only dedicated themselves to helping enrich the lives of the families they serve, but to helping the community as a whole. Brightleaf Mortgage is a socially conscious firm whose division, “Brightleaf Life” is dedicated to helping underprivileged families in the Richmond VA metro area.