About Cheryl Lucas

As a licensed HomeBridge Mortgage Loan Originator in Virginia, Maryland and DC (NMLS #195435), Cheryl Lucas can assist you with your home loan needs, including:

  • First-Time Purchase
  • Second-Home Purchase
  • Refinance
  • FHA and VA
  • Conventional
  • 203(k) Renovation
  • Jumbo

Cheryl welcomes the opportunity to serve your needs with quick and accurate real estate financing advice. Cheryl has the expertise and knowledge, and will make sure you understand the features associated with the loan program you choose and that it meets your unique financial situation.

Contact Cheryl Lucas Anytime

Feel free to contact Cheryl anytime by phone or email for personalized service and expert advice. Cheryl Lucas will extend the same professional service to your friends, family members, work colleagues or neighbors who need help.

Cheryl Lucas is 203(k) Renovation Lending Certified

Cheryl is certified in 203(k) Renovation Lending, a program particularly well suited for buyers of fixer-uppers and REOs in need of repair. Homebuyers can finance both the purchase and future repairs on their new home with one loan.

The Renovation Loan offers some great features. The amount of money you are permitted to borrow for the purchase and renovations is based on the increased value of your home after improvements are made1. Also, because renovation costs are spread throughout the entire term of the loan, monthly payments are often lower than other financing options. With the loan, there is also no need to delay improvements. You can start in immediately after closing. Another great feature is the loan's simplicity - one application, one set of fees and closing costs, one closing to attend and one payment each month. The interest on the cost of your improvements, included in your mortgage, may be tax deductible2 as well.

Cheryl Lucas values your business and will provide you with the best professional service and mortgage solutions that make most sense for you and your unique financial situation and real estate goals.

Please contact Cheryl by phone, email or filling out the pre-approval form on the right to get more information about our Renovation Loan, or any other mortgage financing solution. I look forward to working with you!

1For 203k purchase transactions the maximum loan amount is the lesser of the sales price + renovation costs or 110% of the as-completed value, times the maximum loan-to-value. For refinance transactions the maximum loan amount is the lesser of the property value before renovation + renovation costs or 110% of the as-completed value, times the maximum loan-to-value. Loan amount must be within FHA county loan limits.

For HomeStyle® purchase transactions the maximum loan amount is based on the lesser of the sales price + renovation costs or 100% of the as-completed value, times the maximum loan-to-value allowable. For refinance transactions the maximum loan amount is based on the lesser of 1) 100% of the as-completed value times the maximum loan-to-value or 2) the balance on the existing loan plus the renovation cost plus the settlement costs. The maximum repair amount is limited to 50% of the as-completed value. HomeStyle® is a registered trademark of Fannie Mae.

2Please consult a tax advisor for further information regarding the deductibility of interest and charges.
For your home improvement needs, visit Service Finance Company, LLC to find a trusted local contractor.

Homebridge may receive compensation for referring you to Service Finance Company, LLC.

What Our Customers Say About Me

Wymeteria F. Aug-18
“Cheryl was very helpful and trustworthy. I would like to thank her and her team for everything.”
Wymeteria F. Aug-18
“Cheryl was very helpful and trustworthy. I would like to thank her and her team for everything.”
Wymeteria F. August 2018
“Cheryl was very helpful and trustworthy. I would like to thank her and her team for everything.”
Wymeteria F. August 2018
“Cheryl was very helpful and trustworthy. I would like to thank her and her team for everything.”
Natasia C. December 2017
“My experience was pleasant and all of the staff was helpful and friendly. The staff made sure I understood the process being a first-time homeowner.”
Christopher K. December 2017
“They were responsive and patient. ”
Keyla K. November 2017
“Excellent customer service!”
Paul O. Woodbridge, VA
“She was so great!”
Robert H. Woodbridge, VA
“My Loan Officer was excellent and I feel that she went above and beyond to ensure that I had a smooth closing.”
Gregory B. Fort Washington, MD
“My Loan Officer saved me over $400 per month.”
Stephanie H. District Heights, MD
“Miss Cheryl Lucas is the absolute best Loan Officer I have ever known in my entire life. She is genuine she is relatable, she is honest, she is truly a wonderful person. And she handled the most important purchase in my life with the most dignity and respect I have ever experienced in any transaction. I will never get another Loan Officer when it comes to purchasing any type of property unless it is Miss Lucas.”
Keith A. Lanham , MD
“Let me take a moment to tell you about “my” Chery Lucas. My husband and I started working with Cheryl around June 2013. Our credit scores were stagnant, but just enough to qualify. While we started the home search, Cheryl directed us on how to boost my score in particular, so that we could aim to get the best rate available. Surprisingly, my score jumped almost 100 points. It would take us almost a year to find a home and get to closing, but Cheryl was just as professional, yet personable, as she was the day that we met her. So, what makes her so great? Well, I am a woman of many questions and very analytical. Cheryl always took time to go over everything, as many times as we needed. If we wanted to pursue programs, or scenarios she was always willing to research, inform and direct. In fact, we found and completed a down payment assistance program just after we’d won our bid. Buying a home for the first time was an emotional journey. So to have a Loan Officer who was not only professional, but friendly and personable was added value. Yes, we expected Cheryl do to her job, which she did exceptionally well. However, it’s the added value of patience, friendliest, willingness to exceed expectations and collaborate for the good of the client that makes her special.”
Raleigh R. Woodbridge, VA
“Kept me informed throughout the whole process. I knew what to do or what was expected of me ahead of any deadlines. Excellent job Loan Officer!”
Debra K. Bowie, MD
“Kept in contact with my client and gave a sense of team work throughout the transaction.”
Charlotte P. Woodbridge, VA
“Cheryl Lucas was amazing! She answered questions for both our client and myself as we went through the loan process. Thank you Cheryl, your patience and persistence was helpful and reassuring.”
Alexander B. Brandywine, MD
“Cheryl was fabulous.”

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