Ruth Smith

Senior Loan Officer

rsmith@villagebankmortgage.com

Phone: 703-368-9248

Cell: 703.402.4005

NMLS #293810

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Whether you are a first time homebuyer or a long time homeowner, Ruth Smith is the lender for you.  Her laid back style and years of experience will put you at ease as she walks you through your various mortgage options until you find the perfect fit for your situation.

Oh, by the way, did I mention Heltzel Mortgage offers a variety of loan products and most importantly, grant programs for down payment and closing cost assistance.

Our Programs include:  

• 10/15/20/30 Year Terms
• Conventional
• FHA
• VHDA
• VA
• 203K
• Construction Perm
• USDA/RD
• Reverse Mortgages

Our Grants Include:

• Enhanced Grant Program*
  • First-time and Non-First-time Homebuyers
  • Up to $5,000
• Foreclosure Grant Program*
  • Up to $15,000 for purchasing qualifying properties
• Veterans Grant Program*
  • Up to $7,500 for Homebuyers that are currently serving or have served in any branch of the U.S. military, or their surviving spouses
  • Up to  $10,000 for Homebuyers that are currently serving or have served in an overseas military intervention for any branch of the U.S. military, or their surviving spouses
  • No borrower contribution required

*  All Grant programs are subject to change and borrower qualification.  Please contact your VBMC Loan originator for more details.