Bernard Clements NMLS #1219871

Bernard Clements NMLS#1219871 | Senior Loan Officer

loanDepot is America’s lender, offering home purchase and refinance loans, personal loans and home equity products nationwide. Our mission is to be your lender of choice by operating on sound principles of exceptional value, ethics and transparency. Licensed in all 50 states, loanDepot employs more than 6,000 people, and operates more than 180 lending stores nationwide. loanDepot, LLC, NMLS #174457. loanDepot.com, LLC, 26642 Towne Centre Drive, Foothill Ranch, CA 92610. All rights reserved. NMLS #174457 (www.nmlsconsumeraccess.org). For more licensing information, please visit www.loanDepot.com/licensing.

[10/13/19]   Bernard Clements 804-363-1769 [email protected]

Long-term Financing For Rental Properties!!! 30 year fixed!

FIRST TIME INVESTORS ARE ALLOWED including Realtors, LO’s, Real-Estate & Mortgage Brokers/Bankers

LATE ON A MORTGAGE…NO Pricing Adjustments for a 1x30x12 (3 Year Seasoning on FC, SS, DIL, BK etc..)

NO Limit to the number of Properties we can Finance for a Borrower

NO Pricing Adjustment for Condo’s

NO Pricing Adjustment for Cash Out--Max $2M Cash in Hand!

NO Pricing Adjustments for the # of Units (4 Max)

NO Pricing nor LTV Adjustments for Interest Only & Qualify at the I/O Payment

NO Pricing Adjustments to Close in an LLC or a Living Trust or a Living Trust

NO Limit to the Number of Financed Properties a Borrower can own

NO MAX DTI

100% Gift Funds Allowed for Down Payment

Credit Scores as low as 620

DSCR

[05/25/18]   Currently seeking a Mortgage Loan Officer position, all referrals are appreciated. Can work in an office or remotely. Looking for non-QM and niche products. Thank you. Please call or email me at 804-363-1769 [email protected]

#ALLIN #fishing #hunting #golf #realestate #Realtor #REagent #agent #RVA #builder #RVARealEstate #Homebuyer #VAHomes #melloHome #virginiarealestate #virginiahomes
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#ClocktowerRealtyGroup #remax #longandfoster #joyner #realtyrichmond #KellerWilliamsRealty #RichmondRealEstate
#RARealtors #thereduxgroup #KW

[05/23/18]   Currently seeking a Mortgage Loan Officer position, all referrals are appreciated. Can work in an office or remotely. Looking for non-QM and niche products. Thank you. Please call or email me at 804-363-1769 [email protected]

#ALLIN #fishing #hunting #golf #realestate #Realtor #REagent #agent #RVA #builder #RVARealEstate #Homebuyer #VAHomes #melloHome #virginiarealestate #virginiahomes
#richmondvirginia #nurses #teachers #firstresponders #richmond #Virginia
#ClocktowerRealtyGroup #remax #longandfoster #joyner #realtyrichmond #KellerWilliamsRealty #RichmondRealEstate
#RARealtors #thereduxgroup #KW

May your Mother's Day be as great as you!

#TeamloanDepot #mmca #ALLIN #fishing #hunting #loanDepot #golf #realestate #Realtor #REagent #agent #RVA #builder #RVARealEstate #Homebuyer #VAHomes #melloHome #virginiarealestate #virginiahomes
#richmondvirginia #nurses #teachers #firstresponders #richmond #Virginia
#ClocktowerRealtyGroup #remax #longandfoster #joyner #realtyrichmond #KellerWilliamsRealty #RichmondRealEstate
#RARealtors #thereduxgroup #KW

zillow.com

13 Simple Steps to Prep Your Home for the Best Summer Ever

Summer will be here before you know it, and you know what that means: Heat, hornets and yard work. If you’re starting to miss spring already, fear not. Here are some quick projects to make your home and garden more comfortable and cost-effective this summer.

#TeamloanDepot #mmca #ALLIN #fishing #hunting #loanDepot #golf #realestate #Realtor #REagent #agent #RVA #builder #RVARealEstate #Homebuyer #VAHomes #melloHome #virginiarealestate #virginiahomes
#richmondvirginia #nurses #teachers #firstresponders #richmond #Virginia
#ClocktowerRealtyGroup #remax #longandfoster #joyner #realtyrichmond #KellerWilliamsRealty #RichmondRealEstate
#RARealtors #thereduxgroup #KW

zillow.com Take care of your home's hot-weather needs now, and you'll have more time for fun in the sun.

Happy Mother's Day, to all the loving, selfless, hard working moms!

#TeamloanDepot #mmca #ALLIN #fishing #hunting #loanDepot #golf #realestate #Realtor #REagent #agent #RVA #builder #RVARealEstate #Homebuyer #VAHomes #melloHome #virginiarealestate #virginiahomes
#richmondvirginia #nurses #teachers #firstresponders #richmond #Virginia
#ClocktowerRealtyGroup #remax #longandfoster #joyner #realtyrichmond #KellerWilliamsRealty #RichmondRealEstate
#RARealtors #thereduxgroup #KW

loandepot.com

How Using Home Equity Can Open Up Financial Options to Help Out Mom

As we celebrate Mother's Day, it's time to also consider our aging parent's future housing requirements. Find out how a home equity loan can help you plan for any living arrangement needs.

loandepot.com As parents age, your home equity can open up housing solutions that make sense for the whole family. Learn more about adding an addition, or investing in senior living.

trulia.com

Summer 2018​ Housing Market Insights and Homebuyer Tips

Thinking about buying a home this summer? Here are some facts and tips to help you get the most out of this year’s summer housing market.

trulia.com Looking to buy a home in Summer of 2018? Trulia has all the facts, tips, and insights you'll need to navigate the market and find the best home for you.

If you are house hunting this weekend and have any home financing questions, please reach out at any time!

If you are house hunting this weekend and have any home financing questions, please reach out at any time!

loandepot.com

What not to do once your home is in escrow

The tendency to start spending before your home closes is not rare. Make sure you don’t make these common credit mistakes that can undermine your smooth closing.

loandepot.com Cautionary article about making major purchases when you're in escrow for a house

loandepot.com

The 5 best cities for singles

Did you know that more than 45% of American adults are single? If you're open to relocating to another state, consider one of these five cities, ranked based on 32 factors including job growth, housing affordability, food scene, and walkability.

loandepot.com Where can you live if you're single and ready to mingle?

With a wide spectrum of loan programs and down payment assistance options, buying a home could be easier than you think! Take our Pre-Approval quiz to qualify today: loandepot.com/bclements

#TeamloanDepot #mmca #ALLIN #fishing #hunting #loanDepot #golf #realestate #Realtor #REagent #agent #RVA #builder #RVARealEstate #Homebuyer #VAHomes #melloHome #virginiarealestate #virginiahomes
#richmondvirginia #nurses #teachers #firstresponders #richmond #Virginia
#ClocktowerRealtyGroup #remax #longandfoster #joyner #realtyrichmond #KellerWilliamsRealty #RichmondRealEstate
#RARealtors #thereduxgroup #KW

17 percent of parents with adult children ages 18-35 expect to help them buy a home in the next 5 years. If you’re giving or receiving gift funds for a down payment, it’s important to understand the rules. Contact me today for more information.

#TeamloanDepot #mmca #ALLIN #fishing #hunting #loanDepot #golf #realestate #Realtor #REagent #agent #RVA #builder #RVARealEstate #Homebuyer #VAHomes #melloHome #virginiarealestate #virginiahomes
#richmondvirginia #nurses #teachers #firstresponders #richmond #Virginia
#ClocktowerRealtyGroup #remax #longandfoster #joyner #realtyrichmond #KellerWilliamsRealty #RichmondRealEstate
#RARealtors #thereduxgroup #KW

loandepot.com

Digital design use these apps to visualize your home improvements

Whether you're in the market to buy or sell your home, there are many digital resources to help you strategically plan out virtual stagings and interior design. We've compiled a list of online apps to help channel your inner designer! Remember, if you do not call or email me, you are not increasing your business, all you are doing is reading! 804-363-1769 [email protected]

#TeamloanDepot #mmca #ALLIN #fishing #hunting #loanDepot #golf #realestate #Realtor #REagent #agent #RVA #builder #RVARealEstate #Homebuyer #VAHomes #melloHome #virginiarealestate #virginiahomes
#richmondvirginia #nurses #teachers #firstresponders #richmond #Virginia
#ClocktowerRealtyGroup #remax #longandfoster #joyner #realtyrichmond #KellerWilliamsRealty #RichmondRealEstate
#RARealtors #thereduxgroup #KW

loandepot.com Digital design use these apps to visualize your home improvements

Introducing lenderExpress, The disruption has begun! Are you ready? Remember, if you do not call or email me, you are not increasing your business, all you are doing is reading! 804-363-1769 [email protected]

#TeamloanDepot #mmca #ALLIN #fishing #hunting #loanDepot #golf #realestate #Realtor #REagent #agent #RVA #builder #RVARealEstate #Homebuyer #VAHomes #melloHome #virginiarealestate #virginiahomes
#richmondvirginia #nurses #teachers #firstresponders #richmond #Virginia
#ClocktowerRealtyGroup #remax #longandfoster #joyner #realtyrichmond #KellerWilliamsRealty #RichmondRealEstate
#RARealtors #thereduxgroup #KW

loandepot.com

Community Seconds and other down payment help

Don't be fooled by down payment myths. The conventional wisdom that you can only buy a home with 20% down is no longer true. In today's market, buyers are able to purchase homes despite low cash reserves. Curious to find out just how little money down you need to become a homeowner?

loandepot.com Community Seconds and other down payment help

loandepot.com

Revisiting Fannie Mae and Freddie Mac a homebuying primer

You may have heard the term “government backed” home loans in the past. But what does that really mean? Who are the agencies that own roughly half of all US mortgages? Find out which government enterprises help borrowers achieve homeownership, and why they are willing to buy mortgages from the banks and other lenders.

loandepot.com What are Fannie and Freddie? This primer will clear it up

If you do not call or email me, you are not increasing your business, all you are doing is reading! 804-363-1769 [email protected]

#TeamloanDepot #mmca #ALLIN #fishing #hunting #loanDepot #golf #realestate #Realtor #REagent #agent #RVA #builder #RVARealEstate #Homebuyer #VAHomes #melloHome #virginiarealestate #virginiahomes
#richmondvirginia #nurses #teachers #firstresponders #richmond #Virginia
#ClocktowerRealtyGroup #remax #longandfoster #joyner #realtyrichmond #KellerWilliamsRealty #RichmondRealEstate
#RARealtors #thereduxgroup #KW
https://hsl-pnw-downloadable-

If you’re a veteran or an active duty service member considering using a VA home loan, there are some important features to keep in mind. Contact me today with any VA eligibility questions!

How well do you know all of the different VA loan benefits veterans can take advantage of? To learn more about our VA loan options, contact me today!

loandepot.com

Fixer-up! Get your home ready to sell this spring

Preparing to sell your home this spring? With inventory lower this spring than last year, you might have substantial leverage as a seller this season. However, if you're really looking to move your home off the market in lightning speed, consider a few of these home improvement ideas.

loandepot.com If you're ready to sell this spring, get your house ready to move

At loanDepot we have the tools to make you stand out from the crowd. Let's talk about how we can help your business grow.

#TeamloanDepot #mmca #ALLIN #fishing #hunting #loanDepot #golf #realestate #Realtor #REagent #agent #RVA #builder #RVARealEstate #Homebuyer #VAHomes #melloHome #virginiarealestate #virginiahomes
#richmondvirginia #nurses #teachers #firstresponders #richmond #Virginia
#ClocktowerRealtyGroup #remax #longandfoster #joyner #realtyrichmond #KellerWilliamsRealty #RichmondRealEstate
#RARealtors #thereduxgroup #KW

Are rising interest rates shrinking your purchasing power, leaving you with less than desired homes? A renovation loan might be just the right option to turn a fixer upper into your dream home!

#TeamloanDepot #mmca #ALLIN #fishing #hunting #loanDepot #golf #realestate #Realtor #REagent #agent #RVA #builder #RVARealEstate #Homebuyer #VAHomes #melloHome #virginiarealestate #virginiahomes
#richmondvirginia #nurses #teachers #firstresponders #richmond #Virginia
#ClocktowerRealtyGroup #remax #longandfoster #joyner #realtyrichmond #KellerWilliamsRealty #RichmondRealEstate
#RARealtors #thereduxgroup #KW

loandepot.com

Spring revival Get your outdoor areas ready to shine

Now that winter is at its end and spring is beginning its reign, it’s time to get your gardening gloves ready and spruce up your outdoor space. Wondering where to start? Discover which areas to tackle first to create your perfect outdoor summer oasis.

#TeamloanDepot #mmca #ALLIN #fishing #hunting #loanDepot #golf #realestate #Realtor #REagent #agent #RVA #builder #RVARealEstate #Homebuyer #VAHomes #melloHome #virginiarealestate #virginiahomes
#richmondvirginia #nurses #teachers #firstresponders #richmond #Virginia
#ClocktowerRealtyGroup #remax #longandfoster #joyner #realtyrichmond #KellerWilliamsRealty #RichmondRealEstate
#RARealtors #thereduxgroup #KW

loandepot.com Spring revival Get your outdoor areas ready to shine

Buying a home can be a smart and exciting investment in your future. If you’re thinking about homeownership, contact me to get started. loanDepot offers a wide selection of lending programs to meet your financial goals!

#TeamloanDepot #mmca #ALLIN #fishing #hunting #loanDepot #golf #realestate #Realtor #REagent #agent #RVA #builder #RVARealEstate #Homebuyer #VAHomes #melloHome #virginiarealestate #virginiahomes
#richmondvirginia #nurses #teachers #firstresponders #richmond #Virginia
#ClocktowerRealtyGroup #remax #longandfoster #joyner #realtyrichmond #KellerWilliamsRealty #RichmondRealEstate
#RARealtors #thereduxgroup #KW

Save for a down payment the smart way by planning ahead and setting realistic goals. To learn more about loanDepot's home financing options, contact me today!

#TeamloanDepot #mmca #ALLIN #fishing #hunting #loanDepot #golf #realestate #Realtor #REagent #agent #RVA #builder #RVARealEstate #Homebuyer #VAHomes #melloHome #virginiarealestate #virginiahomes
#richmondvirginia #nurses #teachers #firstresponders #richmond #Virginia
#ClocktowerRealtyGroup #remax #longandfoster #joyner #realtyrichmond #KellerWilliamsRealty #RichmondRealEstate
#RARealtors #thereduxgroup #KW

Home improvements can be expensive, but the good news is there are ways to come up with the money needed for home renovations. So whether you’re thinking of installing new flooring or updating kitchen appliances, loanDepot makes financing simple with our renovation loan programs.

The VA loan is the most powerful home loan program on the market for many veterans, service members and military families. Contact me today to learn about loanDepot’s VA loan options!

loandepot.com

4 Steps to Planning Successful Home Renovation Projects

Thinking of a home renovation project, but worried about the potential pitfalls and unexpected expenses? With just a little pre-project preparation, you could minimize any unforeseen issues and ensure a successful renovation. To learn more about our Renovation Loan suite, contact me today!

loandepot.com Follow these steps to avoid pitfalls when planning your home renovation projects.

If you’re noticed your HELOC payment go up this year, you’re not alone. With the prime rate and home equity values on the rise, it might be time to exit out of your HELOC! Save thousands by combining the balance of your first mortgage and your HELOC into one fixed rate loan.

loandepot.com

Strategies for optimizing your interest rate

Rates are on the rise, but still the lowest since 2014. This means that any Americans with good credit can qualify for a mortgage. Check out these strategies for entering the housing market as you continue to work on compiling your down payment.

#TeamloanDepot #mmca #ALLIN #fishing #hunting #loanDepot #golf #realestate #Realtor #REagent #agent #RVA #builder #RVARealEstate #Homebuyer #VAHomes #melloHome #virginiarealestate #virginiahomes
#richmondvirginia #nurses #teachers #firstresponders #richmond #Virginia
#ClocktowerRealtyGroup #remax #longandfoster #joyner #realtyrichmond #KellerWilliamsRealty #RichmondRealEstate
#RARealtors #thereduxgroup #KW

loandepot.com Strategies for optimizing your interest rate

loandepot.com

Top Reasons Why Lenders Decline Loan Applications

Have you ever been denied a loan? While all lenders are different, there are several reasons why you might have been turned down in the past. Find out what factors can contribute to a loan rejection, and how to remedy your future application.

#TeamloanDepot #mmca #ALLIN #fishing #hunting #loanDepot #golf #realestate #Realtor #REagent #agent #RVA #builder #RVARealEstate #Homebuyer #VAHomes #melloHome #virginiarealestate #virginiahomes
#richmondvirginia #nurses #teachers #firstresponders #richmond #Virginia
#ClocktowerRealtyGroup #remax #longandfoster #joyner #realtyrichmond #KellerWilliamsRealty #RichmondRealEstate
#RARealtors #thereduxgroup #KW

loandepot.com Here are some of the top reasons why lenders turn down loan applications.

loandepot.com

6 things about va loans

VA loans certainly provide a wide spectrum of benefits to its recipients. But did you know that it’s not only veterans who are able to reap the rewards? Learn our six reasons why these low to no down payment loans are something worth considering, and who exactly can qualify.

#TeamloanDepot #mmca #ALLIN #fishing #hunting #loanDepot #golf #realestate #Realtor #REagent #agent #RVA #builder #RVARealEstate #Homebuyer #VAHomes #melloHome #virginiarealestate #virginiahomes
#richmondvirginia #nurses #teachers #firstresponders #richmond #Virginia
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loandepot.com Check these 6 details about VA loans to make sure you're getting the most of your benefit

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We Believe in You

Location

Telephone

Address


5378 Twin Hickory Road
Glen Allen, VA
23059

Opening Hours

Monday 09:00 - 17:00
Tuesday 09:00 - 17:00
Wednesday 09:00 - 17:00
Thursday 09:00 - 17:00
Friday 09:00 - 17:00
Saturday 09:00 - 12:00
Sunday 09:00 - 21:00
Other Loans in Glen Allen (show all)
Rob Magruder Loan Officer at Southern Trust Mortgages Rob Magruder Loan Officer at Southern Trust Mortgages
4121 Cox Road, Suite 118
Glen Allen, 23060

Robert Magruder NMLS#211309 Southern Trust Mortgage LLC, is proud to be an equal housing lender. NMLS# 2921

Scott Dunning at First Heritage Mortgage Scott Dunning at First Heritage Mortgage
4551 Cox Road, Suite 305
Glen Allen, 23060

Scott Dunning | NMLS ID #101361 First Heritage Mortgage, LLC Equal Housing Lender Company NMLS ID #86548 (www.nmlsconsumeraccess.org)

Charles Merrill with C&F Mortgage Corp. NMLS 219118 Charles Merrill with C&F Mortgage Corp. NMLS 219118
Glen Allen

C&F Mortgage Corp. NMLS#219118

Lee Jean-Pierre, Your Loan Officer at Loan Depot - NMLS# 310449 Lee Jean-Pierre, Your Loan Officer at Loan Depot - NMLS# 310449
5378 Twin Hickory Road
Glen Allen, 23059

NMLS#: 310449 Honesty, Integrity, and Dedication. This is my promise as your loan officer.

Colonial 1st Mortgage, Inc. Colonial 1st Mortgage, Inc.
11551 Nuckols Rd, Ste G
Glen Allen, 23059

Buying a home or refinancing? Give us a call at 804.363.5279.

Rob Roland with Benchmark Mortgage Companies Rob Roland with Benchmark Mortgage Companies
4235 Innslake Drive, Suite 201
Glen Allen, 23060

We are a full-service mortgage lender with over 20 years of delivering outstanding customer service to our clients and community.

Kaitlyn Taylor, Mortgage Loan Officer Kaitlyn Taylor, Mortgage Loan Officer
4501 Cox Rd
Glen Allen, 23060

Fred Levine Mortgage Loan Officer NMLS# 188051 Fred Levine Mortgage Loan Officer NMLS# 188051
4860 Cox Road, Suite 200
Glen Allen, 23059

At Homespire Mortgage, our mission is to open the doors to homeownership by simplifying the mortgage process for our clients and by providing affordable mortgage solutions, while delivering exemplary and highly rated client services.

Thomas St. John, Benchmark Mortgage Companies, NMLS# 1603960 Thomas St. John, Benchmark Mortgage Companies, NMLS# 1603960
4235 Innslake Drive Suite 201
Glen Allen, 23060

Benchmark Mortgage is a full service lender, headquartered in Innsbrook - Western Henrico County.

Todd Martin / Branch Manager NMLS #453662 Todd Martin / Branch Manager NMLS #453662
4900 Cox Road, Suite 195
Glen Allen, 23060

Todd Martin Licensed in VA NMLS#453662 I have access to a variety of loan programs & an experienced team focused solely on home financing. Take the next step towards owning your new home.

BB&T BB&T
11400 Nuckols Rd
Glen Allen, 23059

Steve Duke with TowneBank Mortgage Steve Duke with TowneBank Mortgage
4501 Cox Road
Glen Allen, 23060

Home Equity Conversion Mortgage Financing. Equal Housing Lender. NMLS# 323016