Sara Richards

Loan Officer
NMLS: #2307718
Phone: 540.325.2475

she was so patient with me when I didn't understand something or took me longer to do something then I should have. so easy and so wonderful to do business with. I give her a 10 on everything. she is a sweetheart to. so understanding

  • CF

    Charles Wayne Rockingham, VA

    10 October 2024

The mortgage that’s right for you.

Whether you’re a first time home buyer or buying your dream home, I’m here to help you understand your financing options and find a mortgage you can manage.

Our Peace of Mind Process

Let’s
Talk About You

Let’s talk about your current financial situation and goals to determine loan options that work for you.

Apply
Online

HomespireGO® makes getting pre-approved for a mortgage effortless! Apply online in as little as 10 minutes.

Let Us Do The
Work

Once you submit your application, we’ll work our mortgage magic to get you pre-approved and fully underwritten.

Clear To
Close

Our three favorite words! Your loan is approved and we’re ready for settlement day!.

Ready. Set. Home.

Apply for a mortgage in as little
as 10 minutes.

Digital Mortgage Experience

An experience you’ll love, from your couch to the coffee shop! Apply for a mortgage in as little as 10 minutes, then conveniently upload and e-sign documents within the app.

Peace of Mind

Goodbye paperwork! Securely scan and send mortgage documents for total peace of mind, knowing that your information is kept private.

Real-time Updates

Stay up-to-date with real-time notifications on the progress of your application and watch your loan move from approval to closing!

Download the HomespireGO® App

for an effortless mortgage experience.

Hear From Real Clients

Highly rated reviews from happy homeowners!

Hear from Happy Homeowners

See what my clients are saying

  • she was so patient with me when I didn't understand something or took me longer to do something then I should have. so easy and so wonderful t...read more

    CF
    Charles Wayne Rockingham, VA
    10 October 2024
  • Sara completed our mortgage with great tenacity from start to finish! Great communication!

    TG
    Thomas G. New Market, VA
    08 October 2024
  • Sara went above and beyond to listen, respond and direct us to meet our goal of home ownership!

    LG
    Loanna New Market, VA
    08 October 2024
  • Excellent communication

    BM
    Beth Nicole Martinsburg, WV
    29 September 2024
  • Sara is the epitome of professionalism. I never worried or wondered about any step in this process. Her communication is stellar and she always took ...read more

    BS
    Brian Lee Strasburg, VA
    27 September 2024
  • Sara was wonderful to work with! We entered the search for our first home not expecting a lot. We didn't know where to begin and Sara walked us throug...read more

    JW
    Jeremy Charles Town, WV
    12 September 2024
  • Sara is great. She keeps you in the loop and doesn’t mind explaining each step. She will work hard to get the job done

    PS
    Paul R Luray, VA
    02 September 2024
  • Sara & Team were wonderful to work with, excellent communication, we never doubted how hard they were working or that they had our best interest at he...read more

    JS
    Joan K Luray, VA
    01 September 2024
  • Everything worked as expected.

    CP
    Catarina Iana Ronek Woodstock, VA
    27 August 2024
  • Sara is very professional and also very approachable. Could not have asked for a better interaction. I stress alot and Sara was very informative and ...read more

    JH
    Jessica T Greenville, VA
    12 August 2024
  • Sara is professional and friendly! Always a quick response to my questions! I am thankful to have worked with Sara in the purchase of my new house. ??

    GG
    Gina Stephens City, VA
    03 August 2024
  • Sara was wonderful to work with. Her communication was excellent and she answered any questions we had quickly. As first time homebuyers we did not kn...read more

    KC
    Kaitlyn Elizabeth Luray, VA
    13 July 2024
  • Sara and her team were all very friendly. The process was smooth and overall stress free thanks to her and her team.

    KT
    Kyra Dawn Woodstock, VA
    07 July 2024
  • Communication with Sara was outstanding. She was able to help resolve a last minute issue that kept our closing date on schedule. We have bought and...read more

    KC
    Keith W Woodstock, VA
    28 June 2024
  • Great personality, very informative.

    CH
    Charles Woodstock, VA
    17 June 2024
  • Sara made it less stressful.

    SD
    Stephanie Mount Jackson, VA
    16 June 2024
  • Super, caring and constant communication!

    JF
    Judith A. Mount Jackson, VA
    15 June 2024
  • Sara was phenomenal throughout our entire experience. I honestly don’t believe anyone could have made our process any easier.

    FB
    Frank Maurertown, VA
    14 June 2024
  • Sarah was great to work with. She answered any questions that was needed. Was very responsive, quick and gave feedback when needed.

    AH
    Amber Maurertown, VA
    13 June 2024
  • Fast and efficient, they made the process so easy!

    TC
    Tracy Luray, VA
    25 May 2024
  • Quick feed back and explainations.

    CZ
    Cameron Mount Jackson, VA
    25 May 2024
  • Amazing, kind, and knows her job. You cannot go wrong choosing Sara, 5 stars all around!

    JK
    Jeremy
    25 April 2024
  • As a first time home buyer, we were very uneasy about the whole experience. But Sara was there with us from the beginning and put us at ease at every ...read more

    TR
    Terrace Staunton, VA
    20 April 2024
  • Sara worked around the clock to ensure we had everything we needed. Each response was prompt and she thoroughly explained the answers to our questions...read more

    EJ
    Emily Kearneysville, WV
    06 April 2024
  • Sara Richards was such a pleasure to work with. She responded promptly to my questions and if she didn’t know she got back to me as soon as she had ...read more

    JG
    James Luray, VA
    05 April 2024
  • Such amazing people! So communicative and trustworthy. Made buying our first home a lot less scary! Cannot recommend them enough! I am beyond happy wi...read more

    JW
    Jordan Front Royal, VA
    16 February 2024
  • Beyond excellent communication with us during the process. Made it extremely easy and a pleasant experience of buying a house for the first time.

    RM
    Robert Fort Valley, VA
    09 December 2023
  • Sara was quick to respond with any questions that I had and made the home buying experience very easy.

    CS
    Curtis Broadway, VA
    04 January 2024
  • Sara made it easy to get approved for my VA loan and did her due diligence to ensure everything was ready for closing.

    TO
    Tyesha N Pensacola, FL
    25 December 2023
  • Home buying is very stressful. Sara and Allie helped me tremendously with stress removal. Quick communication was great.

    DC
    David Broadway, VA
    09 December 2023
  • Sara Richards

    Loan Officer | NMLS: 2307718
    Woodstock
    Phone: 540.325.2475

    122 West High Street

    Woodstock, VA 22664

    ABOUT ME

    Why did you choose a career in the mortgage industry?

    A neighbor, friend, and realtor suggested to my husband that I become a loan officer! At the time, I had been home raising our children and was ready to get out and start helping people again. My first job in high school was at a local real estate office as their secretary. A few years later, I started with a title company: I began processing files, then handled payoffs and post closings. I was licensed as a title agent and handled real estate closings. I had worked and established relationships with local realtors and lenders and ended up as the office manager for a local title company

    What do you enjoy most about your work?

    It is so rewarding helping people with the purchase of their home.

    What are 3 words past clients would use to describe you?

    Communicative, available, informative.

    What excites you most about life?

    Helping people and spending time with my family.

    How do you give back to your community?

    I have always enjoyed volunteering at my children's school when needed. When I stayed home, I was the local cake pop lady. Now, on occasion I continue to donate cake pops for special events, school fundraisers, the little league, and helping local families in need. I just joined my local Rotary Club of Woodstock and am excited about some upcoming community projects I will be involved in through that organization.

    How do you enjoy spending your free time?

    I enjoy spending time with my family. My husband, Adam, and I have been married for almost 18 years. We have 4 children: Matthew, 14; William, 12; Kaitlyn, 9; and Avery, 7. We also have a puppy, Tucker. We spend most evenings and weekends at the ball field.

    What quote motivates and inspires you?

    "Surround yourself with only people who are going to lift you higher." - Oprah Winfrey

    What's the best movie of all time?

    Can I say Broadway show? We recently took our sons to see the Lion King on Broadway in New York ,and it was absolutely incredible!! Home Alone & Christmas Vacation are tied for my favorite movie! These are the two movies I enjoy watching every December with my family..

    LICENSE INFORMATION

    Licensed in FL, VA, WV.