Ian Fregin (UCM)
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PO Box 9615 Virginia Beach, VA 23450

Get to know Ian Fregin

Why choose the Know Your Home Loan team over the thousands of other lenders out there? Its all in our name! We sincerely want you to Know Your Home Loan...inside and out. Besides being able to offer better interest rates and loan terms than the majority of lenders nationwide, we focus most of our energy on educating our clients. We know our loan products like the back of our hands, so choosing loan products that fit your needs is quick and easy. What we take our time with is making sure that you are comfortable with and knowledgeable about the way your new mortgage will work.

I truly believe in my ability to make people's lives better through a better understanding and utilization of their credit and assets. My job is to help people make their dreams come true - in my career, those dreams have ranged from buying a first home, saving a family home from foreclosure, sending a child to college and paying off high-interest credit card debt to buying a boat or taking a luxury vacation. My client's dreams come in all shapes and sizes - that's why I take the time to tailor each loan to each client's individual needs and desires.

In order to better serve our customers, we are licensed to do business in the following states: Alabama, Arkansas, Colorado, Florida, Georgia, Indiana, Kentucky, Louisiana, Maryland, Michigan, Missouri, North Carolina, South Carolina, Tennessee and Virginia.

Give us a call at 877-490-7764 ext. 282 or 757-821-8852 or visit our website so that we can review your needs and start putting you into your dream house today!

Ian Fregin's Blog Posts


We specialize in providing borrowers with residential mortgages. Our ability to act as either a direct lender or a broker allows us to offer our borrowers literally hundreds of different loan programs. While we prefer to act as a direct lener (where we lend money directly to the borrower), we do sometimes find it necessary to act as a broker (where we arrange for another bank or mortgage company to lend the money) when it is to the benefit of the borrower.

Our more focused specialty is first-time homebuyers and borrowers that have had trouble being financed in the past. Our access to so many loan programs allows us to qualify borrowers that many other lenders have turned down. And our owner-occupied, first-time homebuyer programs allow borrowers to finance 100% of the purchase price, receive up to 6% of the home's purchase price from the seller as closing cost assistance and pay a lower-than-average monthly premium for mortgage insurance.