The home-building journey is filled with a variety of important decisions. With the knowledge and experience you need, our professionals ensure that the entire mortgage process is a smooth and enjoyable one.
Towne First Mortgage offers a wide array of loan programs to provide you with the best possible fit for your individual mortgage needs. We pride ourselves in providing excellent customer service and establishing long lasting customer relationships.
VA: No downpayment and no monthly mortgage insurance for veterans, active duty servicemen and qualifying family members when staying within VA loan limits
FHA: As little as 3.5% downpayment for first-time homebuyers
CONVENTIONAL: Fixed rate or adjustable rate loans with up to 95% financing
VHDA 97%: As little as 3% downpayment and no monthly mortgage insurance. VHDA is for Virginia Residents only. Visit
VHDA FHA PLUS 101.5%: 1st mortgage of 96.5% and 2nd mortgage of 3.5-5% of sales price to help fund your downpayment and closing cost. VHDA is for Virginia Residents only.
USDA: Perfect for rural buyers, with up to 102% financing and low monthly mortgage insurance.
Construction loans available. Build your dream home on your own lot!
For mortgage related questions or to complete your loan application, please contact Towne First Mortgage today!
RCI Builders

Abby Allen choose a career in the mortgage industry because she wanted the opportunity to make a positive impact on families in the Richmond area and beyond.

While the loan process can be complicated at times, Abby prides herself on providing excellent customer service to her clients, day and night. She is always available to guide her clients through the loan process or answer any questions they may have.  

A graduate of the University of Georgia, Abby held her real estate license for two years before joining the mortgage industry. Her in-depth knowledge of the real estate industry allows her to understand the home buying process from multiple viewpoints, which serves as an asset to her clients. 

A lifelong resident of the Richmond area, Abby enjoys spending time with her family and cheering on her football teams.

Whether you are purchasing your first home, an investment home, refinancing or just need mortgage advice, call Abby today!


Audrey developed a love for the mortgage industry at the age of 22. Now, with over 15 years of experience as a mortgage loan officer, there isn’t much Audrey hasn’t faced. Her vast knowledge of the mortgage industry and ability to connect with clients has made her successful in her career.


Audrey cares for every individual she assists and works diligently to exceed their expectations. She believes that open and honest communication, combined with mutual respect, develops a trusting relationship that benefits all parties.


Audrey’s love for her vocation and love for her clients is evident throughout the entire loan process, and even after closing. She seeks to make the homebuying or refinance process as seamless as possible, always looking out for her client’s best interest.


Audrey is married with 5 children. Her husband is a successful realtor in the Richmond area, giving her even more knowledge and insight into the real estate industry.

Whether you’re looking to purchase, refinance, or just need advice, call Audrey today!

Programs, rates, and fees are subject to change at any time without notice. This information provided is deemed reliable but not guaranteed. The information on this website is not an advertisement to extend customer credit as defined by Section 12 CFR 1026.2 Regulation Z. All mortgage financing is subject to credit and underwriting approval. Receipt of borrower’s application or inquiry does not represent an approval for financing or rate guarantee. Towne First Mortgage is an Equal Housing Lender and Equal Opportunity Lender. Links and content are being provided for informational purposes only. Towne First Mortgage has no control over any other website and is not able to endorse, guarantee or monitor content, availability, viewpoints, products or services that are offered or expressed on any site other than this one.