I am your Nationally LICENSED Virginia Home Mortgage Loan Originator !

Mortgage and Lending with American National Bank & Trust NMLS #268590

Virginia is MY state !   It doesn't matter whether you are in the north, south, east or western part of Virginia, this is MY state.   Unlike Realtors, who commonly work a limited area; as a Nationally Licensed Mortgage Loan Originator, I am capable of doing home mortgage loan business statewide.

In today's technological world, mortgages can be completed using phones, FAX and / or the Internet.   The process can be just as quick and simple as sitting down face to face.   I have a secure application form online for those that are Internet savvy to apply from the comfort of their home or office.

For those more comfortable with a telephone interview, I can take your mortgage loan application over the phone.   From the moment a client, like you, contacts me until your loan closes; I will explain the what, when and why of the mortgage process from the very beginning to the final closing.

Often, home buyers have no idea what the mortgage approval process involves because it's their first time or they haven't made a purchase in many years.   Among other things, I will assist you in identifying the documents necessary before making your application for a mortgage loan.

As we move forward, I don't just tell my clients I need them to provide me a document.   I tell them how it affects their loan and why I need to have the information added to the file.   When my clients understand the purpose and the benefits to them, they usually provide their documents quicker.

Often the amount of time required to complete a mortgage loan submission is a direct result of delays in receiving all of the required documentation.

During the ongoing mortgage approval process, I take the time to regularly communicate with my client and the Realtors on both sides of the transaction so everyone knows the progress of the loan toward closing.   Once all is said and done, I personally make sure the closing goes smoothly while being available to assist with any concerns or questions.

The fact that I have 30 years of experience and training in the mortgage industry is a bonus my clients and Realtors get at no extra charge.   I have been doing this long enough to have experienced many problem situations that newer originators have never encountered.   As a result, I usually know immediately who to call or where to look to get quick answers and move my client's file forward faster.   This often eliminates most of the delays.

When people in Virginia need a Nationally Licensed Mortgage Loan Originator that will look out for them and save them money, they need to call me.   I get tired of hearing horror stories about loans that took over a year to get closed or that were denied after months and months of waiting.

For my Realtors in Virginia, I would be glad to meet with you and / or consult with you to establish a trusted relationship you can depend on.   Your client is also my client and I will do everything in my power to provide you and them the best service possible.   You have my word on that !


Plain and simple;


I Am Your Nationally LICENSED

Virginia Home Mortgage Loan Originator !



Deanna Early is the  Highest Ranking Mortgage Loan Originator in the state of Virginia            as scored by the ActiveRain real estate site.   She is a residential specialist and provides home loans, construction loans and lot loans as well as second or vacation home loans and investor financing.   She does both purchase and refinance loans anywhere in the state of Virginia.   She is a Nationally Licensed Mortgage Loan Originator with American National Bank and Trust at Smith Mountain Lake, Virginia.

Please visit her website at   www.DeannaEarly.com   and learn more in the Virginia Mortgage Blog

You can contact her for your financing needs at (540) 721-2349 or by email at  " earlyd@amnb.com "

The views expressed in this post are mine only and do not necessarily reflect the views of American National Bank and Trust Company.   Any scenarios presented are for illustrative purposes only and are not intended to refer to or represent any actual or specific clients, negotiations or financial transactions.

#VirginiaMortgage   #VirginiaRefinance   #VirginiaMortgageBlog   #SmithMountainLake


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Joe Petrowsky
Mortgage Consultant, Right Trac Financial Group, Inc. NMLS # 2709 - Manchester, CT
Your Mortgage Consultant for Life

Good morning Deanna. Isn't technology wonderful. I can easily do twice as many mortgage as I did a couple of years ago because of it.

Great job with your post, so very true.

Mar 14, 2016 07:16 PM #1
Lou Ludwig
Ludwig & Associates - Boca Raton, FL
Designations Earned CRB, CRS, CIPS, GRI, SRES, TRC


Good to know that you can originate mortgages throughout the state if Virgina.

Good luck and success.

Lou Ludwig

Mar 15, 2016 11:43 AM #2
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DEANNA EARLY - - ( NMLS # 268590 )

Highest Ranked Mortgage Loan Originator Virginia
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