• Conventional (purchases as low as 1% down)
  • FHA (purchases as low as 3.5% down)
  • USDA
  • VA
  • Reverse Mortgages


Let me help you find the best mortgage for your needs, whether you are purchasing a home, refinancing your current home or looking to get a little cash out to update your house or pay off debt. 

Call me at 804.363.5279 or email me at dvallow@colonial1mtg.com.

Typical items needed for the loan:

  • 2 years W2s
  • 2 months of bank statements
  • 1 month of pay stubs
  • tax returns if you are self employed or have rental properties
  • name of your insurance agent
  • copies of your drivers licenses
  • copy of mortgage statement (s) if refinancing


We work with many different banks, and with the best team in town I can tailor the right mortgage and get the best rate for you.


  • Conventional Purchases with as little as 1% down
  • Super Conforming Purchases with as little as 5% down
  • Cash Out Refinances up to 95% Loan to Value
  • Reverse Mortgages
  • USDA, FHA, VA
  • No Lock In Fees
  • Richmond Based Company
  • A+ Rating from the BBB





I wanted to let you know that your client walked in today and immediately said how wonderful you guys were to work with and how much she enjoyed the transaction - Sherry Parker, Preferred Title


You and your staff did such a wonderful job with our refinance.  It went as smooth as we could have possibly imagined.  We already have and will continue to recommend you to anyone we know looking to refinance - Jennifer.


    Hi, I am Deb Vallow

Colonial 1st Mortgage -  NMLS 196041 

11551 Nuckols Road, Suite G

Glen Allen, VA  23059

dvallow@colonial1mtg.com

Phone:  804.363.5279

Office:  804.967.2560

Fax: 888.352.0706

NMLS 222278

www.nmlsconsumeraccess.org