Welcome to Virginia-Mortgage.com, a professional service provided by Bob Gammache, CMPS of Carteret Mortgage. You will find quality consumer focused information about the mortgage options available to you in today's market. If your interest is in either a purchase or refinance transaction, I can help you understand your options and give you the information needed make an informed decision about what is best for you.

Major sections of this site include:

Interest Only Mortgage. Learn how to qualify for a larger home with a lower payment. An Interest Only Mortgage can reduce your payment

Option Arm. Learn how and when to effectively and safely use an option arm and when an option arm can be a bad choice

Investment Property Mortgage. Learn about investment property mortgages from an active real estate investor

Mortgage Refinance Options. Learn about low cost options to a lower payment. Learn how small changes in your debt structure can improve your financial position substantially. Learn more about Equity and Debt Management from a mortgage planning professional.

Today's mortgage market is complex with more choices available to consumers than ever before. However, with all of the choices, selecting the wrong mortgage can be frightening given that this is usually the largest transaction of your life. You want to be sure that you are protecting your family and yourself from a bad loan choice that may cost thousands of unnecessary dollars over time.

I have offices in Northern Virginia and beautiful Smith Mountain Lake Virginia but am personally licensed in many states and am available to help you with your unique mortgage needs.

Please visit my other websites www.nva-mortgage.com and www.1optionarm.com