randy brogan

Randy Brogan

Senior Loan Officer
Licensed In: VA
NMLS ID # 1702451
Cell: (540) 255-4067

Randy is a Home Loan Advisor licensed in the state of Virginia and mainly serves the Charlottesville, Crozet, Waynesboro and Staunton and Harrisonburg markets. He currently resides in Crozet Virginia with his wife Elaine and their son. He is very active in his church community and serves as the head chair for its hospitality service group.

As a conscientious, energetic home loan advisor, Randy's first objective is to find a loan that fits his client's needs and enables them to realize their dream of homeownership. Client / Customer Service is his hallmark. Whether you are a first-time homebuyer, upsizing to a bigger home, refinancing, or building a new home, Randy keeps up with the latest guidelines and loan programs to find the perfect loan and to make sure the process goes smoothly.

Randy is also a Certified Divorce Lending Professional (CDLP)* specializing in divorce mortgage planning. He has the knowledge to help clients understand and evaluate the options of obtaining current and future mortgage financing when divorce is present.

A Certified Divorce Lending Professional brings the financial knowledge and expertise of a solid understanding of the connection between Divorce and Family Law, IRS Tax Rules, and mortgage financing strategies as they all relate to real estate and divorce.

WHAT IS A Certified Lending Divorce Professional?

A CDLP looks at the whole picture for their clients. The role of a CDLP is to help integrate mortgage financing into the divorcing homeowners' short and long-term financial and investment goals.

From a mortgage perspective, you should consider the following:

•Ensuring divorcing couples can obtain mortgage financing as part of the separation agreement or decree.

•Child support and maintenance structure to ensure mortgage financing.

•Division of Marital and Separate property.

•Transferring ownership and mortgage responsibility of real estate property.

•How the mortgage interest deduction is affected by divorce.

•Selling or refinancing the marital home.

Like all clients that Randy works with his end goal is to give his clients the best results possible and do what he can to meet their individual mortgage needs. Whether it be their first mortgage, they are seeking another home, or circumstances have brought them to divorce. Randy will be there to guide you through keeping your best interests at hand.

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