Some banks specialize in certain programs and offer special rates on each. We do this by selling most of our mortgage loans to different banks that do specialize in those certain programs.

Freedom Bank Mortgage offers great rates across the board (Conventional, USDA, FHA, VA, VHDA, etc). We are a smaller shop so this can afford us to giving more back to the customer whether that is rates and or fees compared to others.

I personally, focus on talking to the client well beforehand so we can figure out what program best suites their finances and improve credit scores (if possible) before the process starts. I find this super important especially since banks have become more strict on guidelines in our current environment.
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Freedom Bank
Hutchison, Charlie
Mortgage Loan Officer
Phone: (703) 470-9442
Email: chutchison@freedombankva.com