Learn more about Mortgage Relief Resources

Bringing Mortgage Offices to You


Our Mobile Mortgage Offices bring home loans and grants to homebuyers in rural areas of Virginia where there is a lack of Virginia Housing participating lenders.


Meet our loan officers

Our Mobile Mortgage Office loan originators can provide information on Virginia Housing first mortgage loan products, Down Payment and Closing Cost Assistance grants and free homebuyer education classes.

- Name Contact Information Service Area

Allen Andrs


Eastern Shore: Accomack and Northampton

Northern Neck: Essex, Lancaster, Northumberland, Richmond and Westmoreland

Southside: Brunswick, Charlotte, Franklin, Greensville, Halifax, Henry, Lunenburg, Mecklenburg Co., Nottoway, Patrick, Pittsylvania, Prince Edward and Southampton

Sam Hanks


Lee, Scott, Wise, Russell, Washington, Dickenson, Tazewell, Bland and Buchanan

Shelley Woods Portrait
Shelley Woods
Southwest Virginia Housing Center

Shelley Woods

Wanda Horton



Wythe, Carroll, Grayson, Smyth, Pulaski and Floyd

Schedule a Visit


See when our team will be in your neighborhood using the schedule below. Walk-ins are welcome; however, dates and times are subject to change.

  • Eastern Virginia
    June 2024 Mobile Mortgage Office Dates and Locations

    Emporia June 4 | 10:30 a.m. - 4:00 p.m.
    Walmart Parking Lot
    303 Market Drive, Emporia, VA 23847

    Blackstone June 5 | 9:30 a.m. - 3:00 p.m.
    Walmart Parking Lot
    1451 Main Street, Blackstone, VA 23824

    South Hill June 11 | 10:30 a.m. - 3:30 p.m.
    Walmart Parking Lot
    315 Furr Street, South Hill, VA 23970

    South Boston June 12 | 10:30 a.m. - 3:00 p.m.
    Walmart Parking Lot
    3471 Old Halifax Road, South Boston, VA 24592

    Pittsylvania County June 13 |
    Special Appointments

    Patrick County June 25 |
    Special Appointments

    Martinsville June 26 | 10:00 a.m. - 2:00 p.m.
    Walmart Parking Lot
    976 Commonwealth Blvd.,Martinsville, VA 24112

    Henry County June 27 |
    Special Appointments

    For more information on Mobile Mortgage Office, call 877-843-2123.
    Or, call Allen Andrs at 804-837-1879.

    Due to the possibility of unexpected changes or cancellations, you may wish to call before going to visit the Mobile Office to confirm it is on schedule.

  • Southwest Virginia
    June 2024 Mobile Mortgage Office Dates and Locations

    Gate City June 13 | 11:00 a.m. - 2:00 p.m.
    DMV Parking Lot
    104-B Jones Street, Gate City, VA 24251

    Jonesville June 18 | 12:00 a.m. - 3:00 p.m.
    Walmart Parking Lot
    468 Trade Center Ln., Jonesville, VA 24263

    Bristol June 20 | 11:00 a.m. - 2:00 p.m.
    Sam's Club Parking Lot
    13249 Lee Highway, Bristol, VA 24202

    Norton June 25 | 11:00 a.m. - 2:00 p.m.
    Food Lion Parking Lot
    780 Commonwealth Drive, Norton, VA 24273

    Lebanon June 26 | 11:00 a.m. - 2:00 p.m.
    Walmart Parking Lot
    1050 Regional Park Road, Lebanon, VA 24266

    For more information, call Sam Hanks at 276-223-8492.

    Due to the possibility of unexpected changes or cancellations, you may wish to call before going to visit the Mobile Office to confirm it is on schedule.


What Your Neighbors are Saying


"Allen and his team are great partners to our business. It is so exciting to be able to qualify first-time homebuyers. The smiles on their faces are so rewarding for this business. Allen is quick to respond and helpful to those who do not qualify, letting them know what they need to do to repair their credit. Thank you for being such great partners!"


Wendy Van Eimeren
Office Manager
Halifax Homes, Inc. Halifax



"It has been a pleasure as a housing counselor working with Virginia Housing and its staff. They make the homebuying experience so much easier for our clients with customized quality professional loan service processing. So many of our clients have achieved their dream of becoming a homeowner thanks to Virginia Housing."


Tameka Vaden
Assistant Financial Director
Southside Outreach Group, Inc.



"I absolutely love our partnership with Virginia Housing. The mortgage team is so helpful and always courteous. I have learned so much about what documentation is needed to send for prequalification. Their patience and guidance have always been impeccable, and I consider Amy, Allen, and Evelyn friends. I thank Virginia Housing for introducing new loan products for low-income homeowners. I just salute them all for their continued hard work."


Kimberly Walker
Director of Housing Education
The Center for Housing Education



"I have worked in partnership with Virginia Housing since the 1990s. It has been a great working relationship with Virginia Housing providing numerous loans to our first-time homebuyers. Sam Hanks has been very professional and helpful when working with my clients. I can always depend on him to get the deal done if there is any way possible to make it work. Sam goes out of his way to serve my clients and provide financing for them to reach their goal of homeownership. Many thanks to Virginia Housing and Sam Hanks!"


Jamie Gross
Housing Counseling Coordinator
People Incorporated of Virginia



"Virginia Housing is an amazing opportunity for first-time homebuyers! It has given many of my clients the opportunity to purchase their first dream home. I can't say enough positive comments about working with Sam Hanks. He is superb at keeping his clients, as well the realtor updated, so that things continue to run smoothly and quickly. I highly recommend them if you're in the market for a home!"


Judy Collins
Bennett & Edwards; Century 21
Wise, VA



"Here at Bristol Redevelopment and Housing Authority, we have two self-sufficiency programs. Our Residents Services staff help our residents overcome employment barriers by helping them set goals and accomplish them. Many of those residents want to buy their own homes. We have had several residents who have worked hard to accomplish their goals. When they are ready to buy their home, we send them to Sam and the Virginia Housing gang. Sam Hanks and the others at Virginia Housing have been amazing. Our residents are special and they work really hard to make their dreams a reality. We trust Sam to give them sound advice. Buying a home is confusing and difficult. Sam takes time to guide our folks through the difficulties surrounding homeownership. Our partnership with Virginia Housing is a blessing to us that reaches to our residents. We are so thankful!"


Lynn Pannell
Resident Services Manager
Bristol Redevelopment and Housing Authority


  • Types of Homes

    Q: Will Virginia Housing finance manufactured homes?

    A: Yes — both types! This includes modular and manufactured homes.

    Q: What should I know about modular homes?

    A: These types of single-family homes, built to state building codes and delivered to the site in modular sections, are acceptable for all financing types subject to the approval of the mortgage insurer. Modular homes are eligible through all Virginia Housing loans under standard property requirements.

    Q: What should I know about manufactured homes? 

    A: These homes are built on wheeled chassis to federal Manufactured Home Construction Safety Standards administered by HUD. Although the chassis remain a basic structural element, wheels, axles and trailer hitches must be removed. The foundation must be permanently attached and anchored per manufacturer specifications and/or state and local building codes with full perimeter walls with brick or block skirting.

    Q: Is there a maximum lot size for Virginia Housing?

    A: Yes. The maximum lot size for Virginia Housing financed properties is two acres, but exceptions may be made to permit lots larger than two acres but no larger than 10 acres. Restrictions apply, please see Virginia Housing Program Guidelines for details or ask your Strategic Lending Originator.

  • What is a Mobile Mortgage Office?

    Q: What is a Mobile Mortgage Office?

    A: The Virginia Housing Mobile Mortgage Office is an RV set up as an office, staffed by an experienced home loan officer.

    Q: Why does Virginia Housing have Mobile Mortgage Offices?

    A: We decided in 1996 that the most efficient way to make Virginia Housing’s affordable home loans available to those living in rural areas that are not served by other Virginia Housing lenders, would be to have an “office on wheels.”

  • Eligibility and Requirements

    Q: Can Virginia Housing help me if I don’t have a high credit score or credit history?

    A: Yes. Applicants with limited credit files or no credit score can demonstrate a satisfactory repayment history through non-traditional creditors. For conventional loans, this requires a minimum of three (3) credit references verified within the most recent 24-month period.

    Q: Are there other requirements to apply for Virginia Housing loans?

    A: Yes. Our free homebuyer class is required if you're applying for a Virginia Housing home loan. If you're buying a house with your spouse or another person who will legally share the financial responsibility for making mortgage payments, then both of you must complete the class prior to loan approval in order to qualify for a Virginia Housing mortgage.

    Q: Are there exceptions to Virginia Housing’s “first-time homebuyer” requirements?

    A: Yes! A first-time homebuyer is someone who has never owned a home before, but can also be someone who hasn’t owned a home in the last three years. The first-time homebuyer restriction does not apply in Buchanan, Dickenson, Lee, Russell, Scott, Tazewell and Wise counties.

    Q: Are different types of properties eligible?

    A: Yes! Although all properties financed by Virginia Housing must be located in Virginia, all types of single-family housing are eligible, including stick-built, modular, manufactured and condos. All must meet Virginia Housing sales price loan limits.