VA Choice Home Mortgage

What VA Choice Home Mortgage does

VA Choice Home Mortgage is a privately held mortgage brokerage headquartered at 2020 General Booth Blvd, Suite 200, Virginia Beach, VA, serving the Virginia Beach and broader Hampton Roads market in southeastern Virginia. The company originates residential mortgage loans across an unusually broad product portfolio for a brokerage of its size, including VA Loans ($0 down, no PMI for eligible veterans), FHA Loans (3.5% down), Conventional Loans, USDA Loans, Jumbo Loans, Fixed Rate Mortgages, Adjustable Rate Mortgages including Hybrid ARMs, Interest Only, Graduated Payment, Balloon, Reverse Mortgages, and HARP 2.0 refinancing. While its brand identity centers on serving the military community in proximity to Naval Station Norfolk and NAS Oceana, the firm explicitly segments and targets first-time homebuyers, refinancing homeowners, and conventional borrowers as well.

The firm operates on a multi-lender brokerage model, sourcing loan products from various wholesale lenders and earning transaction-based mortgage origination fees on each closed loan. It does not build or own proprietary technology; instead it operates on a LenderHomePage-powered website, embeds the Loanzify mobile application to connect borrowers with loan officers and realtors, and uses an LQB Consumer Portal for borrower account management. Its go-to-market combines a direct-to-consumer motion (website lead capture, online application, and pre-qualification forms), inside sales (phone and email contact with individual loan officers), and community-led marketing aimed at the military population, supplemented by an SEO-oriented content engine (mortgage education blog, mortgage basics library, Military Base Guides).

The company is staffed by four named loan officers — David Hinds (the principal, with 10+ years of client relationships per testimonials), Corey Hinds, Scott Hinds, and Rusty Parker — operating under NMLS identifier 1782212. No funding rounds, acquisitions, mergers, partnerships, or institutional investors are disclosed; ownership appears private and concentrated with the Hinds family. Revenue is not publicly disclosed.

Name

VA Choice Home Mortgage

Legal name

VA Choice Home Mortgage

Website

https://vachoicemortgage.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

1–10 employees

Short description

VA Choice Home Mortgage is a privately held, NMLS-licensed mortgage brokerage in Virginia Beach, VA, offering VA, FHA, Conventional, and specialty residential loan products to veterans, first-time buyers, and refinancing homeowners across the Hampton Roads region through four loan officers on a transaction-fee basis.

Ownership category

akta.pro rank

Product category

Residential Mortgage Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)

akta.pro secondary industries

Government-Insured Mortgage Origination (FHA/VA/USDA) (FSALAAAI), Purchase Mortgage Origination (Homebuyer Focused) (FSALAAAD)

Keywords

• Residential mortgage lending
• VA home loans
• FHA loan programs
• Mortgage brokerage services
• Home refinance loans

Headquarters

HQ city

Virginia Beach

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Mortgage Origination Fees: VA Choice Home Mortgage generates revenue through mortgage origination fees charged to borrowers when originating home loans. As a mortgage broker, they offer VA loans ($0 down, no PMI), FHA loans (3.5% down), and Conventional loans, earning fees from facilitating these loan products sourced from various lenders.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

VA Choice Home Mortgage is a residential mortgage brokerage originating VA, FHA, Conventional, USDA, Jumbo, and other loan products sourced from multiple wholesale lenders. The firm specializes in serving military veterans, first-time homebuyers, and refinancing customers in the Virginia Beach and Hampton Roads area, providing personalized loan officer guidance through the application, underwriting, and closing process.

Product overview

VA Choice Home Mortgage is a mortgage brokerage offering a comprehensive portfolio of residential mortgage products. The core offering centers on government-backed loan programs including VA Loans (with $0 down and no PMI for veterans), FHA Loans (3.5% down for first-time buyers), Conventional Loans, and USDA Loans, complemented by a full range of conventional products including Jumbo Loans, Fixed and Adjustable Rate Mortgages (including Hybrid ARMs), Interest Only Mortgages, Graduated Payment Mortgages, Balloon Mortgages, and Reverse Mortgages. The company also provides refinancing options including HARP 2.0 for underwater homeowners. Supporting services include mortgage payment calculators, the LQB Consumer Portal, the Loanzify mobile app, Military Base Guides for veteran relocation, and an extensive Mortgage Basics educational library. The company serves the Virginia Beach and Hampton Roads area, with loan officers including David Hinds, Corey Hinds, Scott Hinds, and Rusty Parker. Company NMLS: 1782212.

Differentiator

Problem solved

Functional benefit

Products and services

• VA Loans Veterans Affairs-backed home loans requiring no down payment and no private mortgage insurance (PMI), offering competitive interest rates and favorable terms for eligible military veterans and their families. Designed for active-duty personnel, veterans, and qualifying family members purchasing or refinancing a primary residence.
• FHA Loans Federal Housing Administration-insured mortgages offering low minimum down payments (3.5%), flexible credit requirements, and reasonable income standards. Targeted at first-time homebuyers and borrowers who may not qualify for conventional financing.
• Conventional Loans Standard mortgage loans not insured by government agencies, offering competitive rates with the ability to avoid private mortgage insurance (PMI) with a 20% down payment. Designed for borrowers with strong credit profiles and conventional financing qualifications.
• Jumbo Loans Non-conforming conventional mortgages used to finance properties exceeding the conforming loan limit ($548,250 in most counties). Targeted at borrowers purchasing higher-value homes who need financing above standard conforming limits.
• USDA Loans Zero down payment mortgages with low interest rates designed for low-income Americans who do not qualify for traditional mortgages. Restricted to designated rural and suburban areas, including qualifying portions of the Hampton Roads region.
• Adjustable Rate Mortgages (ARM) Loans whose interest rate varies during the loan term, typically starting with a fixed period (1 month to 10 years) at lower initial rates than fixed mortgages. Designed for borrowers who plan to move or refinance before the adjustable period begins or who want lower initial payments.
• Fixed Rate Mortgages Traditional mortgage loans where monthly principal and interest payments never change during the life of the loan, available in terms ranging from 10 to 30 years. Designed for borrowers seeking payment stability over the loan term.
• Interest Only Mortgages Mortgages where monthly payments do not include principal repayment for a specified initial period, allowing borrowers to pay only interest before the loan becomes fully amortized. Targeted at borrowers who want lower initial payments or expect rising future income.
• Graduated Payment Mortgages Loans where payments increase each year for a predetermined time (5 or 10 years), then become fixed for the remaining loan duration. Designed to help borrowers qualify despite initially lower payments, with payments expected to grow as the borrower's income rises.
• Balloon Mortgages Mortgages with fixed interest rates for an initial term (typically 5 or 7 years), after which the remaining principal balance becomes due. Designed for borrowers who plan to refinance or sell the property before the balloon payment is due.
• Reverse Mortgages Home equity loans that convert existing home equity into cash while the homeowner retains ownership, with the lender paying the homeowner instead of the reverse. Requires no repayment as long as the borrower continues to occupy the home. Targeted at seniors aged 62 and older with significant home equity.
• Hybrid ARMs Fixed-period ARMs (3/1, 5/1, 7/1, 10/1) combining fixed-rate and adjustable-rate features, starting with a fixed interest rate for 3, 5, 7, or 10 years before converting to an adjustable rate for the remaining term. Designed for borrowers who want initial payment stability followed by adjustment flexibility.
• HARP 2.0 Refinance Home Affordable Refinance Program for underwater homeowners who owe more than their home is worth, requiring loans to be backed by Fannie Mae or Freddie Mac and purchased before May 31, 2009. Targeted at homeowners seeking refinancing despite negative equity positions.

Quantifiable outcome

• Fast closing times achieved even when clients switched last-minute from other lenders
• +2 more outcomes

Named customers12 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Scale indicators1 record

Recent moves1 record

Expansion highlights5 records

Market position

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about VA Choice Home Mortgage