Mortgage Lending

Once you’ve ensured that you qualify for our program and participated in an information session, it’s time to start reaching out to one of our lenders. Unlike other programs, MWCLT does not issue its own mortgages; instead, we rely on partner financial institutions to lend for our homeowners. Each lender has their own unique programs and many offer assistance with credit and down payments, so be sure to consider these options:

C&F Mortgage Corporation Logo

Marlon White

Sales Manager/Loan Officer
NMLS #228849
Office: 804-858-8354
Mobile: 804-332-7377
Fax: 804-419-2966
1400 Alverser Dr, Midlothian, VA 23113

Fulton Mortgage Logo

Andrew Price

Mortgage Sales Manager
NMLS# 659486
Phone: (804) 565-4447

TowneBank Mortgage Logo

Mary White

VP/ Mortgage Loan Officer
NMLS ID #: 239330
Direct: 804-938-2335
Office: 804-521-8958

Virginia Credit Union Logo

Tonya Irizarry

Mortgage Loan Officer
NMLS# 604484
Phone: (804) 614-3846
Fax: (804) 267-1433

Virginia Credit Union Logo

B. Jordan Matthews

Senior Mortgage Loan Officer II
NMLS# 945687
Phone: 804 614 3238
Fax: 804 267 1433

Requirements for Mortgage


Your mortgage and down payment (including your savings and any down payment assistance) must total at least $150,000 to qualify for MWCLT. If your lender does not believe you qualify for that amount yet, ask them about opportunities for credit counseling, grants, or other assistance.

We also partner with several other organizations that offer credit counseling and down payment assistance. 


A loan officer will do a hard pull on your credit, and report to credit reporting agencies as an “inquiry.”

Within 45 days of your first mortgage application, you can have multiple credit checks from lenders that will be reported as a single inquiry.

During this time, you can shop around and get multiple pre-qualifications that will only show up on your credit report as a single inquiry.

We encourage you to shop around with different lenders so that you can be best informed about the lender who you chose to work with.

Please note: Your pre-qualification will have an expiration date of 60 to 90 days after you receive it. You will need to provide us with an updated letter before going under contract if it has expired. 

Next Steps: Take a HUD Class

The last thing you will need to do is participate in a HUD-certified homeownership training course. These are offered both in-person and online, and depending on the program, can offer grants and other down-payment assistance upon completion.

Don’t Qualify for a Mortgage?

If you do not yet qualify for a mortgage, we can also recommend credit counseling services that will help you prepare for homeownership.