Live More. Owe Less.
Thank you for choosing Vitae!
We are a licensed Mortgage Broker currently serving all of Virginia. Our job is to save you money (we are very good at our job). Learn more about what we offer and how we do it by visiting our Resource Center.
$10,662
A 2023 study from Polygon Research revealed the average amount consumers saved over the life of a loan using a broker over a nonbank retail lender.
33 Basis Points
The same study showed upfront costs were lower as well! Brokers averaged 115bps compared to 148bps for nonbank retail lenders.
75%
Loan approval rate for broker-originated mortgages in that same study, compared to 64% for retail lenders.
Why Vitae?
Buying a home is the largest purchase most Americans will make in their lifetime. Yet too often, the mortgage process feels impersonal, opaque, and expensive. Even the word “mortgage” comes from the Latin roots mort (death) and gage (pledge)—a “dead pledge” that can lock people into decades of payments.
At Vitae, we believe there’s a better way.
“Vitae” means life—and that’s what we want to give back to our clients. We help you secure the lowest-cost home loans possible, so you can spend less on interest and more on living. Whether that means traveling, investing, or simply breathing easier every month, our goal is simple:
Save you money—so you can live more & owe less.
What We Offer
Every service below is free — I only get paid when your loan closes.
Mortgage Brokering
Whether a purchase, refi, or home equity loan, we find you the lowest rates possible by connecting you with the top lenders in the nation. Learn more about the value we add by being a broker.
Every Situation, One Plan
Your situation is unique. We offer every type of home loan, plus a variety of free services to help you find the right fit for your needs — long before you ever apply.
Learn Before You Apply
Understand your credit score, your rate, and your options in plain language — free tools and guides, no jargon, no pressure.
Ready to Save on Your Mortgage?
Let’s talk through your options — no pressure, no hard credit pull, just honest guidance.