Mortgage

Joseph Hensley was great to work with. This was the smoothest loan process I have ever experienced.

One of the best branches around! Everyone is so polite & helpful

Sandy Wood is absolutely amazing! She made this so simple and was very helpful explaining everything and taking care of everything! I highly recommend Blue Ridge Mortgage if your'e looking to buy a house. We would have been lost with Blue Ridge Mortgage!

This used to be the old Bedford Saving and Loan. Beside Suntrust Bank, on main st.

My husband and I applied for construction loan through Bank of the James in Forest, VA. We started the process in April and in June received preliminary approval assuming a $40,000 down payment on land and dwelling. Throughout the process, we were dissatisfied with the slow service, consistent requests for information which we should have been asked for initially, and lack of attention. After the appraisal was completed, we were told we could close only if we put an additional $22,000 down. This was unacceptable to us as we simply don't have that type money sitting around AND were previously pre-approved. At that point, we decided to contact another lender to see what they could offer for us, and after evaluating the situations, we decided to forego further involved with Bank of the James and instead switched to the other lender since according to them a $40,000 down payment was more than sufficient.. Because the appraisal has been completed, we paid the $400 appraisal fee by check and requested the appraisal be transferred to our new lender. This was completed and our new lender received the paper copy. Additionally, we were mailed a hard copy as well. About a month later, we were at the point where our new lender needed to transmit the appraisal for underwriting purposes so we could close. She needed the electronic copy of the appraisal, referred to as an "XML file. " After speaking with THREE representative from Bank of the James, they refused to hand this data over yet failed to provide a legitimate reason for the denial. Their obvious bitterness for our failure to proceed with them is completely unacceptable. It seemed like they were doing everything in their power to prevent us from moving forward with the new lender in order to close. We paid $400 for the appraisal and we feel entitled to receive all information pertaining to said appraisal. Since this has not been provided to us, we are asking for a refund considering the goods were NOT received, and or a legal explanation as to why this failed to be completed