The Elmendorf Team is led by Rick Elmendorf, one of the top VA Loan Officers in the country. Their mission is to provide expert advice, huge savings and unparalleled support for our serving military and veteran families when buying and selling a home. Rick Elmendorf has been "A Graded" by the Military community and there's good reason.
Here's just a portion of what we do.

ELMENDORF Team Benefits

1. Our unique EMA Purchase Worksheet provides a customized plan for financing your upcoming purchase.
2. Our experience and great local reputation will give you a better chance of winning your offer.*
3. When buying, our Military initiative Project Red Team provides a large credit that can be applied towards a 1% reduction to your 30 Year Fixed Rate the first year of your loan or a permanent rate buy down.
4. The Project My Home Seller initiative saves you thousands when selling your home. Even before you go live on the MLS, your home is entered into our portfolio of homes and matched with our large list of pre-approved buyers. Buyers are offered a considerable rebate to purchase your home that doesn't cost you a dime. 
Sellers are given a considerable credit on the purchase of their next home as well. Learn more HERE.
5. We manage your loan for life.
*It is fact that a reputable, local lender handling the buyer financing gives Sellers more comfort than when financing is handled by a credit union, bank or out of state lender.
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VA Home Loan Secrets

Rick's recent e-book goes into the nit and gritty of VA Home Financing with rarely known and utilized tips and tricks. As experts in VA financing, our team can maximize your savings, whether you’re selling, buying a new home or refinancing.

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Project My Home (For Military Sellers)

Project My Home is a Seller relocation program that saves buyers and sellers thousands. It bridges the "money gap" that keeps most deals from happening with a considerable subsidy is offered to the buyer which can be used to pay closing costs or simply reduce the cost of the home.

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Expert Mortgage Review

Expert Mortgage Review

Do you have the best mortgage for you? Can you improve the loan you have or maybe better align your mortgage with your financial objectives? Let us put our expert eyes on your specific situation to ensure your mortgage is properly managed and is always the best fit!

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HomeScout smart+safe+simple

HomeScout is a collaborative search experience that brings together an immersive online portal and team of experts in lending and real estate that gives you the advantage over other home buyers in a competitive market.

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We know VA Loans... 

Our end-to-end, personal service and VA loan expertise are why our customers keep coming back.  There are so many nuances and benefits to the VA loan, but many don't take advantage of them. From the "no money down no matter what" trick, to the funding fee reduction strategy for second time use, we want our military borrowers to get it right.

"We believe that the mortgage should fit well within the short and long-term financial objectives of the client. An optimal mortgage plan should always be worked towards; however sometimes this involves planning.  Either way, we'll get you there and squared away!"   ~Rick Elmendorf 

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  • Expert mortgage review
  • Mortgage management
  • Super fast and professional
  • First and final stop
  • Financial advice
  • Industry Leaders
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EMA Purchase Worksheet

Gain control of the loan numbers. This easy-to-use spreadsheet lets you play loan officer and see things such as payments, cash to close, different rate/point options and even how much to ask the seller for in concessions.  You can even update your own Pre-Approval letter!

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EMA Refinance Worksheet

With every refinance it's a simple matter of realizing savings over the short and long term. How much will refinancing truly cost me? What are my monthly savings? Is my break-even point acceptable?  Get all your questions answered and make the right decision!

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Meet Rick Elmendorf

Economics enthusiast, chess player, military upbringing, Christian: There’s more to Rick than just doing mortgages.

For more than 25 years, Rick has built his business understanding customer goals to help them make sound financial decisions.
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"We had a fantastic experience with Rick and could not be more impressed or satisfied with the Elmendorf team. Our monthly payments came out to be $100 less than what their estimates were—which we were VERY happy about! They were upfront about the whole loan process and were readily available to answer all our questions."

Jim A., Virginia

“We were able to get a great rate reduction with very little effort, saving us tons of money long-term. We went through the refinancing process in less than a week and now are enjoying a lower monthly payment with a lower interest rate. This was great for us as we plan on staying here long-term. I highly recommend the Elmendorf team for your home purchasing/refinancing needs.”

Keith L., Virginia

“As a first time homebuyer, my wife and I were completely new and slightly uneducated about all of the steps that are involved with the process. The Elmendorf Team was patient with us and educated us all along the way! I loved that they weren’t afraid of my questions, but answered them and helped us learn along the way. Their customer service was impressive! The loan was secured and processed according to the deadlines that were set, and closing was a breeze. I would HIGHLY recommend them to anyone who appreciates honesty, excellent communication, and professionalism.”

Sam S., Florida

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