Our Preferred Lenders

Scott Hine

Producing Area Sales Manager

Scott Hine is a Producing Area Sales Manager in central and southern Virginia for Union Home Mortgage. He joined the company in August 2021, and brings over 20 years of experience as a loan officer/sales manager. He is licensed through the National Mortgage Licensing System and Registry in Florida, Maryland, Michigan, Ohio, Pennsylvania, North Carolina, South Carolina, Kentucky, Virginia, and West Virginia and is well-recognized throughout the area for his particular expertise with new construction lending.


      • Company: Union Home Mortgage
      • Number: (540) 429-2474
      • Email: shine@uhm.com

Rusty Cowper

Residential Loan Officer

Rusty Cowper has over 30 years of mortgage industry experience. He enjoys helping clients realize their dream of home ownership and makes it his goal to make the process as simple as possible.

Licensed in Florida, Virginia, Massachusetts, North Carolina, with a broad array of mortgage products to suit any situation.

Specializing in residential home Purchase situations, including new Construction.


      • Company: Embrace Home Loans
      • Number: (540) 842-8642
      • Email: rcowper@embracehomeloans.com
  • Mac Church

  • Senior Loan Officer
      • Mac Church is a highly successful Mortgage Loan Officer with Atlantic Coast Mortgage, consistently ranking in the top 1% of mortgage professionals nationally. He is a Certified Military Housing Specialist and VHDA first-time buyer top producer. Mac has earned numerous awards throughout his career, including the Women’s Council of Realtors Affiliate of the Year and State Strategic Marketing Partner. His expertise and commitment to service make him a trusted advisor to clients across Virginia. 

      • Company: Atlantic Coast Mortgage
      • Number:  (540) 455-3898
      • Email: mchurch@acmllc.com

Getting Pre-Qualified

The homebuying process is all about the details. Beyond finding the perfect home or dream lot to build it on, and the ideal location, getting pre-qualified for a mortgage is vital to your success. You may know what you can afford, but that doesn’t mean the builder or Realtor® of your choice does. In fact, many of these professionals won’t even start the conversation until you pre-qualify.

Early in the home buying journey, there is little time to waste. Perhaps you found the ideal property, but there are likely several interested buyers who feel the same. To make matters worse, the majority of this competition is already pre-qualified, and many of them can pay in cash. 

Finally, delaying your pre-qualification can be costly, resulting in higher mortgage rates and closing costs.