CENTRAL VIRGINIA MORTGAGE

    Your home journey,
    guided by people who care

    Personalized mortgage guidance backed by institutional-grade technology. Every detail handled. Every option explored. Every closing on time.

    NMLS #2373413+ Years ExperienceLicensed Nationwide
    344+
    Loans Closed
    3+
    Years in Business
    4.9
    Average Client Rating
    Our Team

    Meet the experts

    Our experienced mortgage professionals are here to guide you home.

    Juliet Ford

    Loan Officer

    Visit their site
    Loan Programs

    Every option. Your best fit.

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    Conventional
    Traditional financing with competitive rates. As little as 3% down for qualified buyers. Conforming and jumbo options available.
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    FHA
    Government-backed loans with flexible credit requirements. 3.5% down payment. Ideal for first-time homebuyers building their foundation.
    ◆
    VA
    Zero down payment for eligible veterans and active military. No monthly mortgage insurance. The benefit you've earned.
    ◆
    Jumbo
    High-balance loans for premium properties. Competitive rates on loan amounts above conforming limits. Tailored structuring.
    ◆
    Renovation
    Finance the purchase and renovation in a single loan. FHA 203(k) and conventional options. Turn potential into your perfect home.
    ◆
    Non-QM
    Bank statement, DSCR, and asset-based programs for self-employed borrowers and investors. Creative solutions for complex scenarios.
    Available 24/7

    Meet Sophia,
    your mortgage guide

    Get instant answers, explore loan options, estimate payments, and start your pre-approval — any time, day or night. Sophia is backed by our team's expertise and AFN's full lending platform. When you're ready, a loan officer steps in personally.

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    Estimate monthly payments based on your actual scenario
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    Explore loan programs matched to your situation
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    Get pre-approved without waiting for a callback
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    Check local market conditions and neighborhood data
    S
    Sophia
    Backed by American Financial Network · NMLS #237341
    Hi, I'm Sophia — your branch's mortgage assistant. I can help you explore options, estimate payments, or get pre-approved. What's on your mind?
    What can I afford on $120K income?
    Based on $120K annual income, you could qualify for roughly $480K–$540K depending on debts, down payment, and rate. Want me to run a detailed scenario?
    Client Experiences

    Trusted by 143 families & counting

    ★★★★★4.9143 verified reviews
    "
    Juliet went above and beyond on everything, including being available for a meeting with a family member. She's been beyond exceptional and we'd gladly use her again.
    Savannah Lauren C.
    North Chesterfield, VA · via Juliet Ford
    September 2026
    "
    Juliet Ford was an excellent communicator. She was able to prepare me for next steps and helped me all the way through the process.
    Tracey Diane S.
    Richmond, VA · via Juliet Ford
    August 2026
    "
    Juliet, you did an amazing job. Everything about the experience was top notch. We put in several offers some of which had to be quick turn arounds and you were always available to get us the approval letters and documentation we needed. I cannot thank you enough for everything you did. This took us a while to find the right place and we appreciate you sticking with us.
    Benjamin Kauffman C.
    North Chesterfield, VA · via Juliet Ford
    August 2026
    “
    Juliet helped me with every step of the process. She went above and beyond! As a first time homebuyer, I was clueless about the process. Juliet was patient with me and answered all my questions. I had a lot of questions. She explained everything in detail and was able to help me understand everything better. I was able to complete the first time homebuyers course with ease due to the way Juliet had explained everything.
    Michael R.
    Hopewell, VA · via Juliet Ford
    August 2026
    “
    Juliet was very informative and responsive to all of our questions
    Carl Macon C.
    Chesterfield, VA · via Juliet Ford
    August 2026
    “
    Juliet was very quick to respond. She kept us updated throughout the entire process. Very pleasant to work with.
    Susan Renee C.
    Chesterfield, VA · via Juliet Ford
    August 2026
    “
    Juliet was amazing. Her communication responsiveness was second to none. Clearly articulated exactly what was needed in a timely fashion.
    Lance L H.
    Henrico, VA · via Juliet Ford
    August 2026
    “
    Juliet was fantastic to work with. She is incredibly detail oriented and always delivers a timely and professional action. I particularly enjoyed how personable she was, never handing me off to an assistant or colleague. I highly recommend her for future business.
    Zachary Ryan A.
    South Chesterfield, VA · via Juliet Ford
    August 2026
    “
    Everything went really well, and I’m happy with my new home because I was given the opportunity to have it.
    Aura M G.
    North Chesterfield, VA · via Juliet Ford
    July 2026
    “
    Juliet has been so detailed in guiding us through this process. We appreciate the professional service and would use her again for any future projects.
    Jeffrey H.
    North Chesterfield, VA · via Juliet Ford
    July 2026
    “
    Juiet is super knowledgeable and prompt with all her responses. The entire process was very efficient
    Bryan B.
    North Chesterfield, VA · via Juliet Ford
    July 2026
    “
    Juliet just made the whole process tolerable. She walked me through how to do multiple things over the phone because my technology expertise is lacking. I'm glad she was recommended to us by a real estate agent friend. I would highly recommend her to anyone! If we ever need another mortgage, we will call Juliet.
    Deanna H.
    North Chesterfield, VA · via Juliet Ford
    July 2026
    “
    Juliet was very responsive, thorough, strategic. Her advice placed us in a strong position to buy our new home.
    Robert G.
    Henrico, VA · via Juliet Ford
    July 2026
    “
    everything is excellent the whole team are awesome
    Rudy A R.
    Colonial Heights, VA · via Juliet Ford
    July 2026
    “
    Hi Juliet, I wanted to send a quick note to say a huge thank you for helping me and Linda find our new home! Your patience, expertise, and support made a stressful process feel incredibly smooth. We are so excited to settle in, and truly appreciate everything you did to make this happen.
    Bobby D.
    Newport News, VA · via Juliet Ford
    June 2026
    “
    Ms. Juliet made our experience very very pleasurable she was very patient she was very knowledgeable and she made me feel comfortable she is very professional and she's caring and she's trustworthy I would I would recommend her to anyone in the process of purchasing a home
    Linda D.
    Newport News, VA · via Juliet Ford
    June 2026
    “
    Juliet is absolutely incredible! There wasn't one point in this process where I felt overwhelmed or stressed out. I cannot thank Juliet enough for her constant support. I would never wanna use another lender again.
    Christiane Buffy Mar R.
    Richmond, VA · via Juliet Ford
    June 2026
    “
    Juliet is great. High spirited, flexible schedule, and is very informative with the loan process.
    Scott C.
    Hopewell, VA · via Juliet Ford
    May 2026
    “
    The process was extremely smooth and stress free. Juliet was incredibly friendly and professional, always making herself available and easy to reach for communication. Uploading documentation was simple and the app made everything easy.
    Leonel Alexis G.
    Midlothian, VA · via Juliet Ford
    April 2026
    “
    My experience with American Financial Network, led by Juliet Ford, was outstanding. Juliet demonstrated exceptional professionalism through her prompt responsiveness, ensuring no question went unanswered. Her depth of knowledge made complex financial information easy to understand, and her courteous demeanor made the entire process seamless and stress-free. Highly recommended!
    Antonio L B.
    Chester, VA · via Juliet Ford
    March 2026
    “
    I WISH THERE WAS AN OPTION TO RATE UP TO A 100! IT WAS SUCH A PLEASURE, WE WILL BEGIN WORKING ON OUR NEXT PROJECT WITH JULIET AND HER TEAM VERY SHORTLY
    Frederick Michael H.
    Bradenton, FL · via Juliet Ford
    March 2026
    “
    They have a very good team and they make everything easy and fast.
    Cesar A G.
    North Chesterfield, VA · via Juliet Ford
    March 2026
    “
    She is our go-to lady! Being a first time home buyer I had SOOO many questions and she went above and beyond to give us all the details. She was so kind and was always available to help with the home buying process. We will definitely will be recommending her to anyone looking to buy a house!
    Berkley B.
    Midlothian, VA · via Juliet Ford
    March 2026
    “
    Juliet was amazing! Always available to answer questions and walk me through things
    Christine F.
    Williamsburg, VA · via Juliet Ford
    February 2026
    Real Estate Partners

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    Visit Us

    Our Branch

    Central Virginia Mortgage

    American Financial Network · NMLS #237341

    Address
    3302 Old Bridge Road, Suite A
    Woodbridge, VA 22192
    Office Hours
    Mon – Fri: 9:00 AM – 5:00 PM
    Sat: By Appointment
    Sun: Closed
    Get in Touch

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