What to Expect

Mortgage Planning

I understand that every family's financial situation is unique. Mortgage is not a one size fits all. I want to truly understand your puzzle and help you decide how we put that puzzle together. I promise to always be honest and make sure you know your choices throughout the process. Surprises while home buying are never fun. I take all of my clients through upfront underwriting to ensure you have piece of mind when shopping for your dream home.

 

Team Work

As a trusted mortgage professional based in Richmond, VA, I specialize in providing personalized mortgage solutions to homebuyers across Virginia and North Carolina. Whether you're buying your very first home or your forever home, I’m here to walk you through the process, answer your questions, and make sure you feel confident every step of the way.


I work closely with your realtor to make sure your offer is strong, competitive, and aligns with your goals. When it’s time to make an offer, I’ll personally call the listing agent to back it up—because when the listing agent (and sellers!) know there’s an experienced lender on board who will actually communicate with them throughout the process, it gives them peace of mind (and gives you a leg up!).


Behind the scenes, my powerhouse team helps make it all happen

seamlessly.


Our tight-knit crew includes:


  • Production Partners: Madison Maynes & Collin Foster
  • Processor: Bonnie Goad
  • Underwriter: Kevin Doyle
  • Closer: Tim Fulgham 


We all work together to treat your loan with care, urgency, and attention to detail—from day one to closing day. You’ll never feel like just another number with us.


I take pride in being a responsive, local lender with a kick-ass team you can count on. Let’s make your homeownership goals a reality—reach out and let’s get started!


Availability

I am available when it matters, nights and weekends. Most real estate transactions require action outside of "normal" business hours. When working with me you can rest easy knowing that I am not just your lender but your friend and cheerleader. Shoot me a text, give me a call, email or reach out on social media…. I am here to help you win that house!

Mortgage Resources


Types Of Approvals

Learn more about the differences between pre-qualification, pre-approval, and underwriting approval.

Three Types Of Approvals
Strategic Plan

A fun visualization and roadmap from start to finish taking you through each stage of the loan process.

Loanopoly
Buyers Guide

A buyer's guide from initial conversation to under contract. Learn about all the players involved and the steps it takes to buy a house.

Home Buyers Guide
Loan Programs

When it comes to mortgage loans, one size does not fit all. Learn about the various loan programs here.

Home Loan Programs

Wife.Momma. MOrtgage Lender

About Me: More Than Just a Mortgage Lender

I’m Briana Sparrow, a proud wife and mom of three, living in Louisa, VA — surrounded by our little crew and a whole lot of animals. With a passion for homeownership and years of personal experience buying and investing in real estate, I’ve been helping families achieve their homeownership dreams since 2018. Whether you're buying your first home, refinancing, or investing, I’d love to help you reach your goals.

Learn More About Me

Common Loan Products

Conventional Loans

Conventional loans are the most common type of mortgage and are not government-backed.



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VA Loans

VA loans are backed by the U.S. Department of Veterans Affairs and are available to eligible military service members, veterans, and surviving spouses.

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VHDA Loans

Virginia Housing offers programs for both first-time and repeat homebuyers, helping make homeownership more affordable.

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FHA Loans

FHA loans are insured by the Federal Housing Administration and designed for buyers with lower credit scores or limited down payments.

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USDA Loans

USDA loans are insured by the U.S. Department of Agriculture and help buyers purchase homes in eligible rural and suburban areas.



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Jumbo Loans

Jumbo loans are designed for high-value properties that exceed conventional loan limits.



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Unique/Specialized Loan Products

Equity Line Loans

A Home Equity Line of Credit (HELOC) allows homeowners to access their home’s equity without refinancing their existing mortgage.



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Renovation Loans

Renovation loans are designed for homebuyers and homeowners looking to finance repairs, upgrades, or remodeling projects.



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Construction Loans

In Virginia, construction loans typically offer short-term financing that converts to a traditional mortgage once the project is complete.

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Get Pre-Approved Today!

Take the first step toward homeownership with a quick and easy pre-approval.
Knowing your budget upfront helps streamline your home search and gives you a competitive edge.

Our team is here to guide you through the process and find the best loan option for your needs.
Get started today!
Apply Here