Matt Hodges

Matt Hodges

Sr. Mortgage Banker

NMLS #295347, Licensed in VA & NC

Here for Every Step, Every Question, Every Win.

My Story

As your trusted local Mortgage Banker at Gray Fox Mortgage, I have over 25 years of experience helping clients like you achieve their financial goals. I take time to learn about your unique scenario and how to align mortgage products to solve your needs.

We will talk about your qualifications, as well as what will feel right in your household budget. I also focus on assisting separating and divorcing clients who have needs to accomplish specific goals with their financing predicated on legal agreements and court decrees.

Whether you are a first-time homebuyer with a desire to start building wealth or a homeowner seeking expert advice on transitioning between homes, I commit to you quick communication, transparency, and thorough analysis during the mortgage process. Trust in my guidance so you can enjoy the largest and smoothest purchase to date.

How Much Can I Afford?

Navigating the housing market starts with understanding your budget. Start your journey with confidence using our tailored mortgage calculator.

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Guiding You Home, Every Step of the Way

Our Process: Clear, Transparent, Simple

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1 - Pre-qualification

Pre-qualification is the first step in the mortgage application process. By evaluating your credit score, income, and assets, we identify suitable loan programs and estimate your borrowing capacity. This information is for your personal use and does not guarantee loan approval.


2 - Application

The first stage of the approval and loan application process involves the completion of a 1003 residential loan application. Once completed, our team will request items like paystubs, tax returns, W-2 forms, bank statements, and various other items needed to support the information provided on your application.


3 - Underwriting

This is the initial stage of your approval process where all the information gathered is reviewed. Our underwriters work with our processors to verify that the applicant meets all of the criteria of the loan program.

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4 - Approval

Once the underwriter finishes their review and determines your ability to meet the requirements of your loan program, you’ll receive feedback on any additional conditions needed for final approval.


5 - Processing

The processing stage is where the items provided with your loan application are verified. Our loan processors will verify employment, review bank statements and credit history, and fulfill any conditions the underwriter needs to clear the loan for closing.


6 - Closing

Once your loan package is fully processed and all conditions have been satisfied, your file is marked “clear to close.” The lender prepares your closing documents, sends all necessary disclosures, and your closing is scheduled with your attorney/settlement agent and realtor, which is typically held at the title company.

Knowing Is Half the Battle

Questions? I’m Here To Help

Homebuying can be confusing. We know. But we also know that you deserve transparency and clarity from your us. That’s the Gray Fox commitment.

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