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

Get to Know H & R Mortgage Services in the City of Falls Church, Virginia

H & R Mortgage Services is an expert in the home loan process. We specialize in mortgage loans, refinance loans, construction loans, reverse mortgage loans, home improvement loans, and many other type of home loans as well as home loan education.

We provide mortgage loans at extremely competitive rates with superior personalized service with our private lenders.

H & R Mortgage brokers loans with private investors to get you the best mortgage loan deal possible. Find out more about the home mortgage loan products that we offer by visiting Our Programs page.

Meet Our President, Agnes Ginoba, a Recognized Expert in Home Mortgages and a Mortgage Loan Educator

Agnes Ginoba, home mortgage loan expert wearing one of the hats from her collection of over 300 unique hats.
Agnes Ginoba, the Hat Lady, is your home mortgage loan expert.

Agnes Ginoba is an expert in the home mortgage loan process. She was a licensed broker in the state of Maryland and Virginia. She is now a recognized expert by educators in the field of home financing.

Agnes has developed and created the first comprehensive course offering for career training in the mortgage industry for the Fairfax Adult & Community Education Program. Enrollment in her class "How to be a Loan Processor/Officer" was a huge success with over 150+ students fighting to get in the class last year alone.

The college supervisor for the business division of Fairfax Adult & Community Education, Ms. Dorothia Lucia, said "I have never seen anything like this. The phones were ringing off the hook with students fighting to get in the class!"

Specializing in Helping People Who Have Been Turned Down Previously for Home Mortgage Loans

Agnes has specialized in serving the needs of people who have been turned down by banks for a home mortgage loan due to income or credit. When asked why she is doing what she is doing, she simply replies "I love to help my community."

She is a unique individual whose focus is on finding the home mortgage loan product that will fit your special and personal needs.


A Little History and Background

Agnes Ginoba joined the team at H & R Mortgage Services, (Your Neighborhood Lender) as President with the rest of the "Dream Team". H & R Mortgage Services is a Falls Church, Virginia based home mortgage loan services company.

Agnes Ginoba, Branch Manager, is dedicated to taking the hassles and uncertainty out of finding the right home loan. Their new office is located in Northern Virginia at 450 West Broad Street, Suite 302 in Falls Church, Virginia 22046.

Agnes Ginoba has been featured in several local newspapers for her commitment to Youth Leadership, the United Way Fund Drive, and DC Special Olympics. She has also served as an Election Official, a Notary Public, and is a founder of the Senior Citizen Christmas Project which distributes over 2,600 Christmas cards annually.

She is also a founder for a new soon to be non-profit organization called Smart Credit for Young Adults. This organization provides seminars and workshops for young adults between the ages of 18 to 25 years old to help them to understand their credit rating and how to build better credit scores.

She is a graduate of Averett University and has served as secretary for the Burke Toastmasters International Club. Agnes is a CL/ATM (Competent Leader and Advanced Toast Master).

Her positive "can do" attitude not only complements her qualification as "Super Mum", but as a Community Leader. She is married to Victor Ginoba, an engineering professor, for over 32 years. She has three sons aged 31, 20, and 17.

Agnes has over 20 years of consumer loan experience ranging from helping secure student loans, mortgage loans, hard money loans, refinances, and reverse mortgages. She is very active in her community.

Agnes Ginoba, the Hat Lady, Matching You to the Right Loan

Agnes Ginoba, can help even the most difficult of cases secure home mortgage loan financing.  Don't tell her you can't be financed!
"Don't tell us that you can't be financed. We can help!"

Agnes is an avid collector of hats. She owns over 300 hats of all types. Next time you see her, ask her about her newest addition to her hat collection. Clients and colleagues around the region fondly call her "The Hat Lady".

If you love hats, you'll love this Web site. We've used just a few photos of the hats in Agnes' collection and we're sure that you will enjoy looking at them.

Agnes Ginoba understands that mortgages are just like hats...there isn't a "one size fits all approach", each loan, like a hat, is unique and should be fitted to that person individually.

She specializing in finding the right match of home mortgage loan product just for you!

Call her today for the best deal for a home mortgage loan in Virginia at (703) 937-7096 . Just ask for the "Hat Lady" (Agnes). She delivers savings to ALL! We provide home mortgage loan services for residents of Virginia.

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