Welcome to our website.
We know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products, investment tools, mortgages and best of all quality service and individual attention.
Today's technology is providing a more productive environment to work in. For example, through our website you can submit a complete on-line, secure loan application or pre-qualify for a home loan. You may also evaluate your different financing options by using our interactive calculators and going over various mortgage scenarios.
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Whether you're buying your first home or your dream home, we have a mortgage solution for you. Get your custom rate quote today.
We're committed to helping you refinance with the lowest rates and fees in the industry today. Check out our Low Rates, Calculate your Payment, or Start the Process Today!
Whether you're buying your first home or your dream home, we have a mortgage solution for you. Get your custom rate quote today.
Our mortgage calculators help you hone in on the loan options that are best for you. Calculate your mortgage, interest rates, and more.
What our clients say about us!
2 home purchases and a refinance later, Sandy and her team have been my go-to for a seamless lending experience since 2018. They are knowledgeable, prompt, and seem to always have the lowest rate around. I highly recommend them to any one who is in the market for a top-notch, no-nonsense lending experience!
This was our second time working with America's Choice Mortgage and we have never had any issues. They definitely work for their customers! They answered all my questions and constantly kept us in the loop. Thanks to the entire crew!
Thank you and your wonderful team of hard workers! It was a pleasure working with you and your team. Everyone was really courteous and professional!
As first time homebuyers we wanted to make sure we found the best lender and realtor. We shopped around and spoke with four local lenders to weigh our options. ACM offered the lowest rates and origination charges. We financed with a VA loan and ACM had the appraiser out to the house two days after we went under contract which helped us get to closing quicker. We received our final closing packet about a week before the closing and even had a little gift waiting for use when we got to the house. I recommend Sandy and her team to veterans and first time homebuyers.
Loved working with Sandy and her team. She battled through COVID to walk us through the process (my brain works slow) on an accelerated timeline. She was very patient and kind. I even shopped her rates around to guys I know that do this, and they said her rates were on par with their best rates. To be clear, her COMPETITORS recommended that I stick with her because they couldn't do much better on their rates. That's pretty fair competition and it gave me the confidence that I needed, not being a numbers guy, to stick with Sandra.
I found our dream house online, and my fantastic realtor, Missy Walden, helped make the dream a reality. She asked if I had a mortgage broker and suggested talking with Sandy Grimes of America's Choice Mortgage Company. She earned my confidence after a brief conversation with this warm, cordial and knowledgable business person. She believed that I could be placed even with my average credit score and that my offer should match the appraisal. I thought that the process would have little room for improvement when Samantha Mockler, administrator, calls to ask for seemingly fifty personal documents. She tracked and ensured that the documents were in the proper order, format and met lender requirements from start to finish. Finally, when you call, you seldom find an office where all staff knows your name and are equipped to answer questions about your application. That is not all. Sandy recommended Sonja Platzer, owner of Martin Title & Settlement Services, who came to the house to collect signatures on another seemingly fifty closing documents. She quickly and thoroughly explained each document's purpose and consequences, prompting questions to ensure I completely understood all documents. Another true professional. After two years, an interline shyster coaxed me to refinance. He assured me everything was going well, so I skipped payments and counted on a substantial sum from a cash-out mortgage. The house fell well short of appraisal, I missed scheduled payments and my credit score tanked. Two years later, my improving credit score started to plateau and with fears of inflation and interest rate hikes, I called Sandy. I sent her my credit scores and told her I wanted to refinance. The following day she said, "I believe that I can get you placed. I have checked three sources and all indicate roughly the same house value. I recommend we apply for a lesser amount and get the loan and appraisal approved, and then you can increase the amount to receive cash back." Unlike my previous experience, she precisely researched the three major issues, all of which came to fruition at closing. Additionally, she worked with three lenders to obtain the best terms. Her knowledge and credibility within the industry allowed me to save 1/4 percent on points. The loan was approved, and I was able to take a satisfactory amount of equity from the transaction. Again, Samantha was there collecting, sorting and submitting documents. Sonja, who is already 110% in my book, rearranged her schedule after I had unforeseen circumstances to meet our closing deadline. I have closed seven mortgage transactions, passed the Mortgage Brokers class and without any reservations, I highly recommend using Sandy Grimes and Sonja Platzer for mortgage and title services. They are the most professional, accurate and cordial of the seven previous.
This is our third home purchase, and we have never had such a smooth process. Sandy Grimes of America's Choice Mortgage is genuinely one of the best people to work with. She made it possible to purchase our fabulous home while looking out for our financial needs. Samantha was a delight to work with and provided quick responses and diligent work. America's Choice Mortgage team was informative, attentive to detail and extremely thorough in everything they did. We highly recommend their company to anyone.
Sandy and Samantha: Sandi and I would like to take this opportunity to thank you for all of your hard work in getting our loan secured. We realize that it was not the easiest loan that you have done but you guys did such an outstanding job in getting it done in record time. There were times that we thought it was not going to go thru but you kept reassuring us that it would, we just had to allow the process to take place. If we hear of anyone who needs a mortgage loan we will definitely give them your information and recommend your company highly. Once again, thank you for all that you have done.
I consider myself fortunate that my agent, Ms. Trisha McFadden, referred me to Ms. Sandy Grimes of America's Choice Mortgage. From our very first telephone conversation, the evening after locating the perfect home in Spotsylvania County, Sandy made me feel hopeful that she would do everything possible to get me approved for my dream home. Even though it was late, Sandy took the time to explain what she was going to do and recommend the best option for me. I was then contacted by Mr. Zachary Grimes the next day with a listing of the documents needed to start the process. Zachary stayed in touch with me, keeping me updated on what additional documentation was needed for the lender and the status of my application. Sandy and Zachary Grimes went above and beyond to work with me to make my dream come true. They are THE BEST and anyone who is fortunate enough to work with them should consider themselves blessed. Thank you again Sandy and Zachary, you both are one of a kind and I am deeply appreciative.
Sandra Grimes and her team at America's Choice Mortgage Company made everything a breeze for the purchase of our new home. They were accessible and very responsive. They have a depth of experience and walked us through the best options for our home loan. They also helped us get everything together that we needed in a timely fashion. I would highly recommend them!
Sandy Grimes' mortgage loan company was absolutely amazing. Quick and painless loan process. Great rates and people!!! Will definitely do business with them again.
We have used the great Grimes team at America's Choice Mortgage for two refinances and two new home purchases. Each time they have been responsive, found us great rates and wonderful credit back to us. Highly recommend for anyone including those looking for VA mortgages.
My experience with America's Choice Mortgage was warm, responsive, professional and without surprises; even amidst a pandemic and a booming market. I plan to return to America's Choice Mortgage when the time comes.
My first attempt at refinancing my home with another company was horrible. After I heard about ACM I contacted Sandy and it was great. Fast, efficient and got a great rate! Their team is awesome. Highly highly recommend them. Have already referred others to them and they have had the same experience!
My first attempt at refinancing my home with another company was horrible. After I heard about ACM I contacted Sandy and it was great. Fast, efficient and got a great rate! Their team is awesome. Highly highly recommend them. Have already referred others to them and they had the same experience!
Zachary Grimes just knocked it out of the park for us. He'll shop around to get you the best rate and he is super savvy with VA loans.
On TWO occasions Sandra (Sandy) has kept an eye on the rates and gotten me locked in under the wire for refinancing before the rates lifted. On both occasions the process with her entire team was smooth as silk! As a Realtor agent now it is my PROFESSIONAL PLEASURE to recommend Sandy and Zach for my client's financial purchasing power and support! Communication is KEY! Their response time is exemplary!
America's Choice Mortgage was recommended to me by a friend. Immediately upon talking with Zach I knew he would do a great job and work in my best interest. Constantly professional and always quick to respond. I cannot recommend Zach and Sandy enough. You will not be disappointed.
As first time home buyers, we were intimidated by the process of securing a loan and getting the best rates during a particularly volatile time period. From our first conversation with Sandy, she instilled a sense of calm, trust and confidence that we were in good hands. She and her team were attentive in answering all of our (many) questions and demystifying what can often be an opaque process. She worked closely with our agent to keep everyone on the same page and moving forward. We just closed on the condo of our dreams with the absolute best rates we could have imagined due to Sandy's hard work, diligence and transparency throughout the process. America's Choice will always be our first choice!
Sandy and team are awesome. We have used them in the past and will continue to do so. They take care of clients during the process and beyond. Recommend to all who are in the market.
Zach turned this stressful process into a breeze , we appreciate the time and effort he put in to walk us through every step ! 10/10 would recommend!!
I can't say enough about Sandy, Samantha, and the team at America's Choice. Buying a house upon Army retirement and during the COVID-19 pandemic was stressful, but their team worked through every incident (and there were a few) as if it were a minor annoyance. Any time I felt like things weren't going well, Sandy would say "I've got you" and bring me back from the edge ????. I'll recommend them at every opportunity I get and greatly appreciate everything they've done for me and my family. Thanks for helping us get our dream forever home!
Sandy was absolutely amazing, as was Brittany, and pulled off the impossible timeframe for closing on my new home. I have never had such a great lending experience! They treat you like you are their top priority and provide the very best customer service! I will never go to anyone else for my home lending needs and cannot recommend them enough! No one will be disappointed in the customer service they receive!!
Zach was an absolute pleasure to work with. Always timely, friendly, and courteous, he took the time to explain details to my heart's content. He was very flexible to work around my sometimes inflexible hours. When I was between this company and a few others offering similar deals, chose this company mainly because I just liked them better on a personal level. Would highly recommend!
A team built on client satisfaction , excellent service , and unbeatable rates! When shopping for a lender the key things I advise my clients on are1) skill set/ knowledge about all loans 2) rates of course! The money is all the same color green I just want my clients to get the best deal ! 3) customer service Sandy Grimes , Zach Grimes and the entire team consistently surpass all of my basic requirements they are the dream team my go to Lender’s ! You win A+ ranking with me , my team, and all of the clients that you have served and will continue to serve... a no brainer call America’s Choice Mortgage ,perfect name!!! You are now a household name !!!
Going in to buy a house, we were terrified! We had tried before and the mortgage company wasn’t very good and closed all doors in front of us and made us give up on buying a house. Fast forward 2 years, we tried again and found America’s Choice Mortgage and are we thankful! They are the absolute best! They are sooo friendly, so professional and really fast! They treat you like you’re part of the family and really do the best for you, and even though we thought the process would take a few months to complete, we moved in 1 month after we put an offer on the house! So not only did we end up with the best mortgage company but we made friends along the way. Absolutely recommend!!!!!!!!
I'm a first time home buyer and Sandy and her team made everything so easy for me. They explained everything in terms I could understand and worked so hard for me. They are very responsive to emails and great people to work with. You know when you work with them that you are hands down getting the best rate/deal out there. I bought my home in June and am still in awe of it. I'm so thankful for them. They treat you like their own family. I will be using them if I ever decide to buy another house.