H & R Mortgage

Home Financing Education With The Hat Lady

See Us for Information and the Best Home Mortgage Loan Educational Experience

We specialize in helping people, especially those with credit problems, obtain a mortgage loan by providing an explanation of the mortgage process (read our Free Information) , personalized service, and education.

We also offer counseling and instruction to help people improve their credit scores – which directly affect their buying power. (read Improve Your Credit and other helpful credit tips) .

At H & R Mortgage Services, we provide home mortgage loan information for all residents of Virginia.

Find out more about the home mortgage loan education seminars we offer by visiting our workshops page.

"Credit problems? We're here to help you!"

We offer a full range of educational services for...

Home Purchase

Construction Loans (Private)

Refinance Home Mortgage

Short Term Loans

First Time Home Buyers

Learn About the Home Loan Process

Self-Employed Loans (Commercial)

Special Tips

Reverse Mortgages

Credit Education

Hard Money Loans

Recruiting Services

Loan Modifications

Professional Resume Writing

What's a Hard Money Loan?

A Hard Money Loan is a quick bridge-loan or short-term loan by private investors without using your credit score for approval. Approval is on a case-by-case basis.

We make it easy for you! just complete our online form to get help . We are the helpful mortgage people at H & R Mortgage Services, home of the "Helpful Hat Lady".

Who is the Hat Lady? Why, Agnes Ginoba, of Course

Find out about our "Helpful Hat Lady" – Agnes Ginoba. Agnes is our President and an avid collector of hats.

With over 300 hats in her growing collection and 25 years of experience in the mortgage business, she understands that mortgages are just like hats, they need to fit you "just right". Visit our About page to read more about Agnes, her hat collection, and H & R Mortgage Services.

Don't forget to ask us about our Free Federal Reserve Loan Handbook.