Loretta Flynn
Branch Manager | NMLS# 215260
571.229.6717 | Direct
540.413.0177 | Team Text and Voice
855.704.2628 | Toll Free
[email protected]
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Licensed in VA, WV, MD, NC, SC, GA, FL
About Loretta
Loretta Flynn is a trusted mortgage professional known for her compassionate approach, unwavering advocacy, and proven results. With years of service to her community, she is dedicated to helping individuals and families achieve their homeownership goals through personalized guidance and practical lending solutions.
Building lasting relationships is at the heart of everything Loretta does. Her clients appreciate her genuine care, attention to detail, and commitment to making the mortgage process as smooth and stress-free as possible.
A lifelong equestrian, Loretta’s passion for horses reflects the values she brings to her business- discipline, integrity, perseverance, and trust. When she’s not helping clients, you’ll often find her enjoying Virginia’s countryside on horseback, especially on a crisp autumn morning.
Affiliations:
- Greater Piedmont Area Association of Realtors
- Virginia Department of Professional and Occupational Regulation (DPOR) Certified – Continuing Education Instructor
- Child Nutrition, Inc – Board Member
- Homes For Heroes Program (www.homesforheroes.com)
- Platinum Level Strategic Partner – Northern Virginia Association of Realtors® (NVAR)
Awards &Achievements
- Mortgage Executive Magazine, Top 1% Mortgage Originators In America
- Washingtonian Magazine, Elite Producer (2024)
- Greater Piedmont Area Association of Realtors, Affiliate of the Year
- FauquierNow.com, Best of Fauquier – Mortgage Loan Officer
- Scotsman Guide, Top Women Originators (2024)
- Scotsman Guide, Top Originators (2024)
- National Mortgage News, Top Producers
- NMP Magazine, Leading LOs: Top Originators
- Greater Piedmont Area Association of Realtors, President’s award for outstanding service to the Realtor Association
- Georgia Residential Mortgage Licensee
What Our Clients Say About Loretta
We're incredibly thankful for over 150 clients who shared their homeownership experiences!
Loan Types
FHA loans are designed with the first-time home buyer in mind. It allows for little money down, lower closing costs, and an easy-to-meet credit score requirement.
It makes for the perfect type of loan to meet the needs of buyers from all walks of life.
It makes for the perfect type of loan to meet the needs of buyers from all walks of life.
FHA Loans Offer:
• Minimum down payment of only 3.5%
• Credit score as low as 500*
• Flexible debt-to-income ratios
• 100% of down payment and closing costs can be a gift
• Flexible reserve requirements
• Up to 6% seller contributions towards closing costs and pre-paid items
We Offer:
• Purchase loans
• Rate-term refinancing
• Cash-out refinancing
• Streamline refinance
• 203(h) - Mortgage Insurance for Disaster Victims
FHA
We help everyone with their housing goals, including the all important First-time homebuyer. Highlights and benefits for these first-timers are riddled throughout our product array, and they include:
We offer:
• Low down payment options
• Eligible sources of funds include gift funds from eligible sources
• DPA assistance that may be available in your local markets
• Zero down payment options for VA and USDA buyers
• Reduced Mortgage Insurance requirements for certain programs
• FICO scores as low as 500 on certain products
We offer:
• Low down payment options
• Eligible sources of funds include gift funds from eligible sources
• DPA assistance that may be available in your local markets
• Zero down payment options for VA and USDA buyers
• Reduced Mortgage Insurance requirements for certain programs
• FICO scores as low as 500 on certain products
1st Time Buyers
We are an approved Fannie Mae and Freddie Mac seller and offer the best fixed and adjustable-rate loans for your home buying needs. As long as you meet the minimum requirements with down payment and credit score, we can help you secure the home of your dreams today!
We offer:
• Purchase loans
• Rate-term refinancing
• Cash-out refinancing
We offer:
• Purchase loans
• Rate-term refinancing
• Cash-out refinancing
Conventional
Our jumbo loans are a solution for borrowers who want to go big with the dream of primary homeownership, as well as securing a 2nd or vacation home.
This jumbo loan product also supports a lower-than-industry average required down payment -perfect for those buyers who want to keep more cash in the bank – with all the benefits exceeding those of a conforming loan.
This jumbo loan product also supports a lower-than-industry average required down payment -perfect for those buyers who want to keep more cash in the bank – with all the benefits exceeding those of a conforming loan.
We Offer:
• Purchase, no cash-out refinance and cash-out refinance
• All occupancy types
• Loans to $2M
• Jumbo AUS
• Non-Warrantable Condos
• No Mortgage Insurance
• First-time homebuyers permitted
• Blended ratios
Jumbo
VA home loans are offered to our country’s bravest men and women. No one knows the comfort of their home more than those who served and that’s why we’re proud to offer loans to our nation’s heroes.
Find the perfect place to kick off your boots with 100% financing available or explore interest rate reductions or cash out refinance options.
Find the perfect place to kick off your boots with 100% financing available or explore interest rate reductions or cash out refinance options.
We Offer:
• Purchase loan
• Cash-out refinancing
• Interest Rate Reduction Refinance Loan (IRRRL)
VA
Get a home loan with up to 100% financing
Whether you are an experienced or a first-time homebuyer, you may be able to qualify for a USDA home loan with no money down! These government backed loans are perfect for families and individuals interested in purchasing homes in rural communities. Ask your personal mortgage advisor if this is the right loan for you!
Whether you are an experienced or a first-time homebuyer, you may be able to qualify for a USDA home loan with no money down! These government backed loans are perfect for families and individuals interested in purchasing homes in rural communities. Ask your personal mortgage advisor if this is the right loan for you!
We Offer:
• Purchase
• No cash-out refinance
• Streamline Refinance
• Simple Refinance
