H & R Mortgage home mortgage loans with the Helpful Hat Lady. H & R Mortgage home financing, mortgages, refinancing with the Helpful Hat Lady.
H & R Mortgage home mortgage loans with the Helpful Hat Lady.
H & R Mortgage home financing, mortgages, refinancing with the Helpful Hat Lady. H & R Mortgage home mortgage loans with the Helpful Hat Lady. H & R Mortgage home mortgage loans with the Helpful Hat Lady.

Mortgage Loan Processing Made Easy, 2-DVD Set & Book, Buy Now or Get Info

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

Home loans are serious business.  We can help whatever your credit situation!
"Credit problems? We're here to help you!"

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.

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 Loan Tips for Teachers, Nurses, Firemen, Policemen, and Public Servants
• 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".

Agnes Ginoba is our Hat Lady who really knows home mortgage loans.
"I provide mortgage education services."

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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.

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