Skip to content

Monarch Mortgage is Blue Ridge Banks full-service licensed mortgage lender that services the lending needs of our individual homebuyers.  Our goal is to provide our clients with expert guidance, a complete array of loan options, competitive interest rates and leading class customer service. 


Why Monarch Mortgage?

We are here to help you purchase your dream home or refinance to take advantage of savings you can use. We offer competitive rates for home purchase, refinance or construction. Our loans are available for primary residences, second homes, vacation homes, or investment properties.
We want to work with you to find the right accommodating financing terms, customized to your unique situation.

We offer a wide range of loan programs:

    • Conventional loans
    • FHA Loans
    • Refinance Loans
    • USDA (U.S. Department of Agriculture) Loans
    • VA (Veteran Affairs) Loans

Our knowledgeable loan officers have years of experience in the local real estate market spreading from Maryland to Florida.  We pride ourselves on thorough, attentive service throughout every step of the process.

Key Features

  • Variety of Financing Programs
  • Competitive Rates
  • Refinancing Available

Conventional Loans

Conventional Loans are mortgage loans that are not insured by the government (like FHA, VA, USDA Loans), but they typically meet the lending guidelines that have been set by Fannie Mae or Freddie Mac. Typically, conventional loans have better rates, terms and/or lower fees than other types of loans. However, conventional loans typically require a borrower to have good-to-excellent credit, reasonable amounts of monthly debt obligations, a down payment of 5-20% and reliable monthly income. Conventional loans are ideal for borrowers with excellent credit and at least a 5% down payment. 
We have various loan terms available.  Learn More

FHA Loans

If you’d love to buy a home but lack credit, a down payment, or are unable to cover closing costs, an FHA loan may be the solution. FHA loans are insured by the Federal Housing Administration (FHA). Programs are available for borrowers with limited savings for a down payment. A minimum down payment of 3.5% is required. The FHA guidelines offer greater flexibility in some areas and therefore broaden the availability of home financing to more buyers.  Learn More

Refinance Loans

There are several reasons you might consider refinancing your mortgage. You could lower your monthly payment, get a lower interest rate, consolidate your debt, convert from an ARM to a fixed-rate loan, or eliminate private mortgage insurance. Speak with a Monarch Mortgage loan officer to determine if refinancing your current mortgage can help you meet your goals. Learn More

USDA Loans

A USDA Loan is a mortgage loan that is insured by the US Department of Agriculture and available to qualified individuals who are purchasing or refinancing their home loan in an area that is not considered a major metropolitan area by USDA.  To learn more about the benefits, and qualifications, click here.

VA Loans

A VA loan is a mortgage loan guaranteed by the U.S. Department of Veteran Affairs (VA) that is available to most US service members. It offers some very great benefits to those that have served our country.  There is no down payment required for most VA loans. These loans do require eligibility from the VA which requires the buyer being a Veteran or Active Duty military. The guidelines promote flexibility and remove many of the typical burdens of mortgage qualification for eligible buyers. Learn More

Get Started Now

Visit our mortgage center to learn more about our programs and how we can assist you!


More than homes

Looking for construction loans, land only loans or investment property loans? We have experience and financing options for the land loans you need.