Sara Richards

Loan Officer
NMLS: #2307718
Phone: 540.325.2475

Amazing, kind, and knows her job. You cannot go wrong choosing Sara, 5 stars all around!

  • JK


    25 April 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

Talk About You

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


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

Let Us Do The

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

Clear To

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

  • Amazing, kind, and knows her job. You cannot go wrong choosing Sara, 5 stars all around!

    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 more

    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 more

    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 more

    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 more

    Jordan Front Royal, VA
    16 February 2024
  • Sara was quick to respond with any questions that I had and made the home buying experience very easy.

    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.

    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.

    David Broadway, VA
    09 December 2023
  • She was very helpful in communicating with us and making everything go fast and smooth

    Blake Luray, VA
    21 November 2023
  • Everything was very easy to navigate and complete

    Erin Michelle Broadway, VA
    06 November 2023
  • The overall experience. The ease that Sara made it for us when she knew the availably that had during this process.

    Jeffrey Wade Front Royal, VA
    03 November 2023
  • Sara handled any and every issue quickly and competently, making this process much less stressful than it could potentially be.

    Justin Andrew Broadway, VA
    28 October 2023
  • Sara was very responsive and answered so many questions along the way. She demystified the process and played a big role in getting us to a more

    Michael Casey Winchester, VA
    16 October 2023
  • We enjoyed Sara’s attention to detail and professionalism.

    Ericka Basye, VA
    03 October 2023
  • Sara was very helpful in every aspect of buying my first home. She answered every question and helped me understand the whole process. Truly grateful more

    Jordan Nicole Linville, VA
    01 October 2023
  • Timely transaction. Excellent follow up.

    Howard Walter Basye, VA
    30 September 2023
  • Sara and the whole homespire team were very communicative and helpful throughout the whole process making buying my first home as easy as possible. more

    Alejandro Luray, VA
    29 August 2023
  • Very detailed and willingness to help with every step!

    Stephanie Marie Berryville, VA
    23 August 2023
  • Sara really cares. She was patient with my questions and inquiries, and provided sound guidance throughout. Whenever I needed something, she was more

    Eric Joseph Basye, VA
    17 July 2023
  • Sara was on top of everything! She was clear and quick in her communication, and was totally open to answering all of our questions as first-time more

    Elizabeth H Staunton, VA
    05 July 2023
  • She was accessible easily and quickly. Returned my texts promptly. In my crazy busy schedule she was wonderful and supportive.

    Suzanne Edinburg, VA
    01 July 2023
  • She was apart of the best team!! Without her my experience would have been absolutely horrible. The work she put in to make sure my family got more

    Brooke Strasburg, VA
    03 June 2023
  • Sara was amazing and was very informative and always answered when we had questions even if she didn't know the answer she would find out for us got more

    Clayton Strasburg, VA
    03 June 2023
  • Sara Richards

    Loan Officer | NMLS: 2307718
    Phone: 540.325.2475

    122 West High Street

    Woodstock, VA 22664


    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..


    Licensed in FL, VA, WV.