Welcome to the Virginia Mortgage Assistance Program (VMAP)

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What is the VMAP Program?

Veterans have the VA Loan Program. Why Don’t Civil Servants Have Anything?

We created the Virginia Mortgage Assistance Program (VMAP) for the county and state employees of Virginia. Because housing can be expensive we created the VMAP program to help make it more affordable.

Its the least we can do for the unsung heroes that make our state run, educate our youth, keep us safe, etc. You all deserve this for what you do for our communities.

There is no need to enroll since the VMAP program covers all civil servants in Virginia.

The VMAP program can be used with any of the mortgage loan types out there (Conventional, FHA, VA, USDA, etc.) to get a lower rate. So whether you are purchasing a new home or refinancing your current one – we have you covered.

What does this mean?

Thanks to your civil service – you can now get the best mortgage rate in America.

This helps make housing more affordable in all aspects.

Rate Scenarios as of July 21st, 2022

Scenario Information

Wells Fargo scenario is a $200,000 Loan Amount, 25% down payment, and a 740 credit score
Quicken Loans scenario is a 45 day lock, $200,000 loan, 25% down payment, and a 720 credit score
CapCenter scenario is a $320,000 loan and rate was pulled from https://www.capcenter.com
Brightleaf scenario is a $320,000 loan amount, 20% down payment, and a 720 credit score

Customer reviews

Nobody is more important than our customers. Read some of our most recent reviews.

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“My husband and I had an enjoyable experience with Cory, Derrick, and the Brightleaf team! They helped us purchase our first home – we could not have done it without them! They were quick to respond to our questions and explained the process thoroughly. They were also very patient with us, especially as first time home buyers. I always felt like I was their number one priority. Thank you all very much!!”

Samantha S.

"The entire Brightleaf team was excellent to work with, and very attentive to our needs. Everything was processed promptly, and they were able to answer all of our questions. We even got a follow up call after we closed just to make sure we got into our new home and didn’t need anything additional. If we ever go through the home buying process again, we will only use Brightleaf. You feel like you are their only client, unlike many of the other mortgage companies in the area."

Brandon C.

"James, Derrick, and Laura are a great team! I received an extremely low rate and was able to close in two weeks. Great service from start to finish."

Mike N.

"Derrick and James helped me and my husband tremendously during the process of buying our first home. There were a lot of strange circumstances that occurred during our closing process, and Derrick never failed to follow up with all of the necessary parties in order to let us know what was going on. James was also super knowledgeable and explained every step along the way so that we always understood what was happening and what came next. Overall, we had a great experience working with Brightleaf Mortgage and would happily do so again in the future."

Taryn G.