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The best home mortgage rates throughout Virginia!

Benjamin A. Borden, CMPS

Mortgage Advisor; Richmond

Office Number: 804.282.8808
Fax Number: 804.282.8810
2567 Homeview Drive
Richmond, VA 23294


Looking for a low rate mortgage? You will find low rate mortgages at Home Savings of America! We designed this mortgage and real estate site to give you all the information you need to assist you in obtaining mortgage loans for your home.
Home Savings of America is one of the largest mortgage lenders in Virginia, offering low rates for home purchase mortgages, refinancing, debt consolidation, and many other types of loans.
You will find our site to be the most useful, comprehensive and informative resource on the web for mortgage loans and real estate! We provide personalized attention to your specific needs and take the time to design a loan program that is right for you! Apply now for your mortgage loan!

The most comprehensive website for Mortgage Loans and Real Estate!

All types of home loans and second mortgages for purchase, refinance and debt consolidation, at the lowest mortgage rates.


"I would like to start off by thanking Ben for all his hard work in getting my loan processed. I was pre-approved with 2 other lenders and Ben was able to secure much better terms for me. I received personal attention from Ben throughout the entire loan process. This was extremely important for me because I had many questions. I will recommend Ben to my friends and definitely use him in the future." Dave Smith Capital One, Richmond VA

Client Comments

Jumbo Home Loans

No Money Down Home Loans

FHA Mortgage Loans

For Sale By Owner Assistance

Stop Living with Bad Credit


Are you looking for a mortgage loan to purchase a new house or refinance your existing mortgage loan? Are you looking for a mortgage lender that is knowledgeable in the mortgage markets has low mortgage rates and great mortgage products? If so, you have come to the right place.

Home Savings of America understands that comparing mortgages and rates is one of the most difficult tasks when mortgage shopping. There are two options available as a consumer; mortgage lenders or mortgage brokers. Home Savings of America is a mortgage lender and broker offering nearly hundreds of loan programs from 300 mortgage lenders, so do not let past credit problems stop you from trying to obtain a mortgage loan. We can help you get a mortgage even with less than perfect credit.

Apply online and get your mortgage loan today, from Home Savings of America

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Real Estate Information:

Interest Only Mortgage Loans

Interest only mortgage loans have become increasingly popular over the last few years. Interest only mortgage loans offer home buyers an alternative to the traditional mortgage loans. Interest only is available on any adjustable rate product we offer. 10 and 15 year interest only terms are even available on our 30 year fixed mortgage loans! These programs can offer consumers greater buying power, increased monthly cash flow and numerous other benefits.


For example, one of our most common programs is a 5 year interest only loan where the borrower has a fixed rate for five years and is only obligated to pay the interest owed every month. This could lower your mortgage payment hundreds of dollars or increase buying power and many other benefits.

Use our interest only mortgage payment calculator and see your low interest only payment!

Contact us at Home Savings of America today and we will educate you about the benefits of interest only mortgage loans. We are happy to answer any questions you may have.

Begin by filling out our online application for interest only mortgage loans!


Adjustable Rate Home Mortgages

Deciding which adjustable rate home mortgage best fits your unique situation can be a confusing process as there are many adjustable home mortgage programs and adjustable rate indices that your loan may be based.

With each ARM loan having different margins, rate caps, rate adjustments and payment recast's you need a mortgage adviser that has the ability to properly explain so you have enough information to make an informed decision.

Highlighted adjustable rate home mortgage loans include:

These unique mortgage loan programs may lower your monthly payment hundreds of dollars compared to conventional loans. Begin by filling out our online application for adjustable mortgage loans nHomeequityloanmorgages K Fast Equity Forex Forex Szh 1 Home Equity Loan Morgages Home Savings of America Homeequityloanmorgages Mortgage Rates | Home Fast Loans | Home Equity Loan Morgages ortgages in Virginia, VAa 13 zHomeequityloanmorgages K Fast Equity Forex Forex Szh 1 Home Equity Loan Morgages Home Savings of America Homeequityloanmorgages Mortgage Rates | Home Fast Loans | Home Equity Loan Morgages ortgages in Virginia, VAo f q Stocks Youngil.choi%40moodys.com+