Valerie Holbrook, LO, NMLS #1551139, Atlantic Coast Mortgage

Valerie Holbrook, LO, NMLS #1551139, Atlantic Coast Mortgage Whether purchasing, investing, or refinancing, I can help you with ALL of your mortgage needs! Atlantic Coast Mortgage, LLC ("ACM").

Company NMLS #643114 (For lic. info, go to: nmlsconsumeraccess.org | This is an advertisement and not a commitment to lend Hi there, my name is Valerie Holbrook. I am a VP & Senior Loan officer at Atlantic Coast Mortgage. I am Richmond native (born and raised) being that I been in the real estate business in different capacities for over 16 years, Richmond is my wheelhouse and my clients are my passion! Finding my clients the right mortgage to fit their financial needs is my main objective. Explaining their mortgage in terms that are easy to understand, keeping the client informed all the way to their closing, and having a completely transparent transaction is always my goal. As we know, the loan process is not always easy, but I try to make it as pain-free as possible for all of my clients – after all this is one of the biggest investments in their lives. So if you hear of anyone looking to buy, sell, or refinance their home or investment properties – or even someone who thinks they aren’t financially ready to purchase a home, but really want too. Please have them give me and call and let me help them set a plan in motion. The biggest compliment in my business is repeat clients and referrals from past clients or business associates. Remember: I am never too busy for your questions or to help you get prequalified. Valerie Holbrook | NMLS ID 1551139

Certain views and opinions expressed may be personal to the sender and not necessarily reflective of the views of ACM. Eligibility for all applicants cannot be guaranteed. Advertised programs, guidelines, rates, and fees are subject to change without prior notification. This is an advertisement and is not a commitment to lend. Atlantic Coast Mortgage, LLC (“ACM”) is an Equal Housing Lender. 4097 Monument Corner Drive, Ste: 600, Fairfax, VA 22030. Company NMLS ID #: 643114 (For licensing information, go to: https://www.nmlsconsumeraccess.org)| 866-311-8627.

🏈 Welcome to The Film Room! Today’s play: breaking down what really goes into your monthly mortgage payment.It’s more th...
09/24/2026

🏈 Welcome to The Film Room! Today’s play: breaking down what really goes into your monthly mortgage payment.

It’s more than just principal + interest. Property taxes, homeowners insurance, and other applicable costs can all factor into the final number. Knowing the full picture upfront can help you budget confidently and avoid surprises.

Before you call the next play, know the numbers.

Ready to review your mortgage game plan? Let’s talk. 🏡

Just like a great football game, buying a home requires a solid strategy. I am here to help you move the chains from bud...
09/22/2026

Just like a great football game, buying a home requires a solid strategy.

I am here to help you move the chains from budget to touchdown!

Let's draft your winning game plan today. 🏡✨ 🏈

More possibilities for homebuyers in 2026.We’re excited to share that ACM’s conforming loan limit is increasing to $845k...
09/18/2026

More possibilities for homebuyers in 2026.

We’re excited to share that ACM’s conforming loan limit is increasing to $845k starting today!

This higher limit may give more homebuyers the opportunity to explore conventional financing at higher loan amounts and consider homes that may have previously required jumbo financing.

Thinking about buying a home or planning your next move?

The appraisal playbook is changing! Starting November 2, 2026, appraisal reports submitted to Fannie Mae and Freddie Mac...
09/17/2026

The appraisal playbook is changing!

Starting November 2, 2026, appraisal reports submitted to Fannie Mae and Freddie Mac will move to an updated format designed to capture more details about the home, not just the final number.

Think of it like a new playbook: one modern report, more property-specific details, and more room for appraisers to explain what they see.

What does that mean for buyers, sellers, and agents? Preparation matters. Have information about improvements and features ready, ask questions early, and remember that appraisals may need a little extra time as the industry adjusts to the new format.

The play may be changing, but the goal stays the same: a clearer picture of the home and a smoother path to the closing table. 🏡

Questions about how the new appraisal process could affect your next move? Let’s talk game plan.

🏈 Football season is officially here!The games are back, the weekends are booked, and it’s time to talk strategy. Becaus...
09/15/2026

🏈 Football season is officially here!

The games are back, the weekends are booked, and it’s time to talk strategy. Because whether you’re chasing a win on the field or the keys to your next home, a solid game plan can make all the difference.

Know your numbers. Get pre-approved. Make your move with confidence. 🏡

Ready. Set. HOME.

Now I have to know… who are you cheering for this season? 🏈😄

On September 11, we remember the lives lost, the families forever changed, and the countless acts of bravery and compass...
09/11/2026

On September 11, we remember the lives lost, the families forever changed, and the countless acts of bravery and compassion that followed.

Twenty-five years later, the strength and unity shown that day continue to remind us what it means to stand together.

Moving day is exciting, but a little planning goes a long way. Keep the essentials close and make settling into your new...
09/10/2026

Moving day is exciting, but a little planning goes a long way.

Keep the essentials close and make settling into your new home that much easier.

5.0 star review received on Experience.com for Valerie Holbrook by Robert N - Valerie and  her  team  did  an  amazing  ...
09/09/2026

5.0 star review received on Experience.com for Valerie Holbrook by Robert N - Valerie and her team did an amazing job she went over my expectations and was able to get our family into our dream home ! Valerie thanks for helping a old veteran out if you need anyone that will walk you down step by step shes your go to!!!!!

Click to see all 198 reviews of Valerie Holbrook, VP | Sr. Loan Officer

Which would?Time to pick your favorites! Which three are you choosing for your next home?
09/08/2026

Which would?

Time to pick your favorites! Which three are you choosing for your next home?

Consider this your reminder to relax a little extra this weekend. 😎Happy Labor Day Weekend!
09/04/2026

Consider this your reminder to relax a little extra this weekend. 😎

Happy Labor Day Weekend!

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North Chesterfield, VA

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