All Mortgage Loan OfficersJohn MaderiaSenior Mortgage Loan OfficerNMLS# 836990 john.maderia@vacu.org Office:(434) 974-3941Toll-free:(800) 285-5051 x3941Fax:(804) 267-1433 Apply with John BiographyAt Virginia Credit Union, it’s more than selling a mortgage. It’s advising and educating a member about a process that results in a better way of life. Refinancing or applying for a mortgage can be a complicated experience, and what I do is walk our members through the steps and answer any questions along the way.I’ve been in the mortgage loan industry for more than 19 years, and I understand the importance of keeping everyone informed. Whether assisting a member with purchasing a home or refinancing for life events, it’s helping achieve a life goal.I have lived in the Richmond area for more than 49 years. In my spare time, my wife and I enjoy exploring Virginia’s history, museums, performing arts and sporting events. I’m also a member of a church where I conduct a class for middle and high school aged students. Benefits of working with a VACU Mortgage Loan OfficerI'm local and ready to help. Whether it's your first home or fifth, I'll be in your corner every step of the way.Mortgages for your primary residence, second homes, or investment propertiesNo closing-cost optionsAdjustable rate mortgagesFirst-time home buyer loansLow down payment optionsSpecialty loans, including 100% financing and jumbo loansConstruction loans and land loans Services OfferedWe've got different loan options, depending on what you need. I'm here to help you find the right solution for your unique situation. MortgagesFrom finding the right home to closing on a mortgage with a great rate, we help you at every step of the process. RefinancingTake advantage of lower rates—refinance your current mortgage and get better terms! We also offer refinances with no closing costs or cash-out options. Get pre-qualified!Getting pre-qualified will establish your home-buying budget, helping you narrow your search. And when you're pre-qualified, sellers and real estate agents know you're serious about buying, giving you a crucial leg up in negotiations Let's get your mortgage process started.I'm here and ready to help find the right option for you. Apply with John Mortgage ResourcesSee More Resources Watch: 9 Questions First-Time Homebuyers Ask When it comes to buying your first home, you have questions, and we have answers. Mortgage FAQs What does pre-qualified mean? What do closing costs include? Get answers from our experts. Mortgage Online Application FAQs With MemberConnect, applying online for a mortgage from has never been easier—but that doesn’t mean you won’t have questions. Here’s what our members ask the most.
MortgagesFrom finding the right home to closing on a mortgage with a great rate, we help you at every step of the process.
RefinancingTake advantage of lower rates—refinance your current mortgage and get better terms! We also offer refinances with no closing costs or cash-out options.
Get pre-qualified!Getting pre-qualified will establish your home-buying budget, helping you narrow your search. And when you're pre-qualified, sellers and real estate agents know you're serious about buying, giving you a crucial leg up in negotiations
Watch: 9 Questions First-Time Homebuyers Ask When it comes to buying your first home, you have questions, and we have answers.
Mortgage FAQs What does pre-qualified mean? What do closing costs include? Get answers from our experts.
Mortgage Online Application FAQs With MemberConnect, applying online for a mortgage from has never been easier—but that doesn’t mean you won’t have questions. Here’s what our members ask the most.