• psst … I’m a Realtor! Thanks for stopping by my website. I would love to help you find your dream home and community in the Hampton Roads or Williamsburg area or to sell your existing home. This website is authored by local resident and REALTOR, John Womeldorf. John is known around town as Mr. Williamsburg, for both his extensive knowledge of Hampton Roads and the historic triangle, and his expertise in the local real estate market. His websites, WilliamsburgsRealEstate.com and Mr Williamsburg.com were created as a resource for folks who are exploring a move to Williamsburg, VA , Hampton Roads VA and the surrounding areas of the Virginia Peninsula. On his website you can search homes for sale , foreclosures, 55+ active adult communities, condos and town homes , land and commercial property for sale in Williamsburg, Yorktown, New Kent, Poquoson, and Gloucester, VA as well as surrounding markets of Carrolton, Chesapeake,Gloucester, Hampton, Isle of Wight, Portsmouth Mathews, Newport News Norfolk, Poquoson, Smithfield, , Suffolk, Surry, Va Beach, Yorktown and York County Virginia You can reach John by email John@MrWilliamsburg.com or phone @ 757-254-813

Mortgage Rates hit new low…

Fixed mortgage rates fell again to an all-time low last week, according to Freddie Mac.

The average rate for a 30-year, fixed-rate mortgage in the U.S. was 4.54 percent, down from 4.56 percent the prior week. This marks the sixth straight week of record-low averages since Freddie Mac began its weekly report on 30-year mortgage rates in 1971.

Typical payments ( principal and interest) on a  $300,000 mortgage ( @ 4,54%, 30 year mortgage) would be $1527.19   WOW

During the same week a year ago, the average 30-year, fixed-rate mortgage was 5.25 percent.

Fifteen-year mortgages also hit a new low at 4 percent, compared with 4.03 percent a week ago and 4.69 percent last year.

I would be happy to introduce you to one of our preferred lenders to explore mortgage payments, refinancing or any other related questions.

Send an email to John@MrWilliamsburg for further information,

Williamsburg VA- Mortgage Lenders

Question:Are you able to give a short list of mortgage companies in the Williamsburg/ Hampton Roads VA. area which I might want to consider.  I understand that you can’t really recommend one over another.  But a short list of generally approved businesses would be a help.


Answer: To achieve a preferred status with out company Lenders had to agree to not charge for credit reports and not to charge junk fees, Admin Fees, etc.  That´s the pledge from lenders we have hand selected to earn ‘preferred’ status to offer mortgage services to Liz Moore & Associates´ buyers.  And adding up the dollars NOT spent on extraneous fees results in an amazing amount of money our buyers now have to spend on their new homes!  When it´s your home, everything counts. They work out of an office in our building and are available seven days a week.

You would be surprised at what these extraneous fees add up to. I have seen mortgages where the fees  added up to over $4000.

Our preferred lender list includes B.F. Saul, Wells Fargo, Suntrust and a local company Atlantic Bay. Contrary to popular belief our Broker (Liz Moore) has advised us that we can recommend one lender or home inspector or contractor or surveyor, etc.

Her reasoning was if a client is asking who should they should work with, who has the best service , who has the best rates then why can’t we tell them ?

To that end I would recommend Ginny Phillips at BF Saul. Great to work with, great rates, Great service.

In the last five years of selling real estate, the only times I have had issues was with out of state lenders who we don’t have relationships with. I could fill a book with the last minute snafus and displeasure that they have caused .

Ginny’s contact info is below.


Ginny Phillips Loan Officer BF Saul


(757) 599-2827

(757) 572-9635

Send her an email

Read her bio

BF Saul Mortgage

721 Lakefront Commons
Suite 201
Newport News, VA 23606