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Your Trusted Local Mortgage Lender

Providing expert guidance and tailored financing solutions to make your homeownership dreams a reality.

 

Meet Your Local Mortgage Expert

As licensed loan officers, Gee Horton and Carter Jones are dedicated to helping their clients achieve their dream of homeownership. With a combined nearly 20 years of experience in the mortgage industry, they are committed to providing top-notch customer service. Gee and Carter take the time to listen to each client's unique needs and aspirations and work hard to find the loan product to meet those needs. Together, they take pride in working for Benchmark Mortgage Companies, a local company that provides them with the necessary tools to assist clients effectively.

 

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Meet Your Local Lending Team

Mortgage Advisor

Carter Jones

Senior Mortgage Advisor

Gee Horton

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Featured New Home Communities

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Amburn

Ashland, VA 23005

Starting From $469,990 - $549,990

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Boschen Woods

Chesterfield, VA 23838

Starting From $573,950 - $645,950

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Brickshire

Providence Forge, VA 23140

Starting From $534,950 - $628,950

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Collington East

Midlothian, VA 23112

Starting From $504,950 - $629,625

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Amburn

Ashland, VA 23005

Starting From $469,990 - $549,990

Hanover County Public Schools

Amburn is a new home community in Ashland, Virginia, near Randolph-Macon College. This new home community offers single-family and villa homes with walkable access to the nearby campus and surrounding town of Ashland. New homes are NOW SELLING, and the model home opens in July. 

Main Street Homes will build two-story single-family homes and two-story attached villa homes in Amburn that provide first or second-floor primary suites and storage solutions, including dedicated pantries and laundry rooms. Homes will be Energy Star certified, which means you know your home is built to the highest standards set by the Environmental Protection Agency- Better is Better. Temperature, air quality, and exterior durability are all improved for a better living experience—not to mention energy cost savings you'll enjoy month after month.

Ashland, Virginia, is a hidden gem tucked away just 16 miles from the bustling city of Richmond. Known as the “Center of the Universe,” this charming small town in Hanover County is rich in history, culture, and entertainment. Developed by the railroad, Ashland was once a mineral springs resort, but today it boasts an array of unique shops, dining options, entertainment venues, and historical landmarks that make it the perfect place to explore and experience Virginia's rich cultural heritage. Downtown Ashland & the Train Station are conveniently located a mile from Amburn.

Amburn is an exciting new home community with much to offer homebuyers. With quick access to Randolph-Macon College a half mile away and various home styles and features, Amburn is an ideal place to call home.

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Boschen Woods

Chesterfield, VA 23838

Starting From $573,950 - $645,950

11101 Cypress Branch Lane, Chesterfield, VA 23838

Boschen Woods is a new home community nestled between the Pocahontas State Park and Gates Bluff community in Chesterfield, Virginia. Embrace the beauty of the surroundings in this serene community that borders Swift Creek. With 36 generous homesites spanning three-fourths of an acre to one acre plus, there is ample space to build your dream home, enjoy a spacious yard, and create a private sanctuary that suits your needs. Don't miss out on homesite 6 which is two acres plus. Boschen Woods has no homeowner’s association which allows you to live how you desire while saving you money. 

What sets the Boschen Woods community apart is its proximity to the beautiful Pocahontas State Park. The park is a popular destination for hiking, biking, boating, fishing, special events, and much more. Whether you're looking for adventure or relaxation, there's something for everyone at Pocahontas State Park. Plus, as a resident of Boschen Woods, you'll have easy access to exciting activities and special events, only a short walk or bike ride away.

At Main Street Homes, we specialize in building Energy Star® homes. This means your new home will be designed and constructed to higher standards than other homes in the market, ensuring better quality, comfort, and durability for you and your family. With an Energy Star home, you'll have the peace of mind that it has undergone a rigorous process of inspection, testing, and verification to meet the strict requirements set by the EPA. Not only that, but our Energy Star homes also provide significant energy cost savings over the lifespan of your new construction home.

Start your new home journey today by using our interactive floor plans. Experience the luxury and sustainability of an Energy Star home in the beautiful setting of Chesterfield County.

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Brickshire

Providence Forge, VA 23140

Starting From $534,950 - $628,950

9344 East View Lane, Providence Forge, VA 23140

Located in the beautiful rolling countryside of New Kent County, Virginia, about 20 minutes east of Richmond in Providence Forge, Brickshire is a tranquil new home community on a golf course that is filled with community amenities including a clubhouse, fitness center, owner’s pool, activities center, dog park, meeting room, pavilion, tot lot, tennis courts, walking trails and the Bar and Grille, a restaurant located at the Brickshire Golf Course.

Our ENERGY STAR® Certified new homes provide 2,200 – 3,500+ of living square feet, first or second floor primary bedrooms, spacious open floor plans, two and three car garages, and plenty of personalized charm.

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Collington East

Midlothian, VA 23112

Starting From $504,950 - $629,625

13819 Tyberton Drive, Midlothian, VA 23112

Collington East, developed by Main Street Homes, is across the street from Collington located in Midlothian, Virginia.  This new home community provides approximately 200 homesites located off of Springford Parkway across from Spring Run Elementary. The first and fourth sections built in Collington East will consist of homes with 90’ wide or approximately 1/3 acre homesites.

Homeowners will have access to community open space and parks, sidewalks within the community and walking trails located down Spring Run Road and Springford Parkway. An optional Pool and Clubhouse Membership at the Collington Club in the Collington community is available to those interested in cooling off poolside during the summer. Membership will be available for an additional HOA assessment.  Please see a New Home Sales Consultant for details.

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Harpers Mill

Chesterfield, VA 23832

Starting From $532,950 - $749,950

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New Kent County

Providence Forge, VA 23140

Starting From $504,950 - $646,094

Oasis

Chesterfield, VA 23832

Starting From $417,950

Shire Walk

Henrico, VA 23233

Starting From $523,990

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Harpers Mill

Chesterfield, VA 23832

Starting From $532,950 - $749,950

16300 Cambian Lane, Chesterfield, VA 23832

Main Street Homes offers new homes in the highly sought-after Harpers Mill community. This beautiful neighborhood features rolling hills, many fantastic wooded home sites and abundant wildlife without sacrificing convenience.  Main Street Homes offers first and second floor primary bedroom plans.  Harpers Mill has resort-style amenities including a Residents Club, Amphitheater, Pool, three-acre dog park and more!  To build your new Energy Star® certified home, contact us today!  The Glen Royal neighborhood is within walking distance to the amenities and elementary school, and close to shopping, dining, and entertainment.

Harpers Mill, a new community with new homes built by Main Street Homes, is located in Chesterfield County in Chesterfield, Virginia.

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New Kent County

Providence Forge, VA 23140

Starting From $504,950 - $646,094

9344 East View Lane, Providence Forge, VA 23140

New Kent County offers a wide range of amenities, from golfing and horse racing to boating and wineries. Explore this charming county, one of the oldest in the Commonwealth, and take advantage of its mapped bike trail system, fishing, camping, and historical landmarks.

At Main Street Homes, we specialize in building Energy Star® homes. This means that your new home will be designed and constructed to higher standards than other homes in the market, ensuring better quality, comfort, and durability for you and your family. With an Energy Star® home, you'll have the peace of mind that it has undergone a rigorous process of inspection, testing, and verification to meet the strict requirements set by the EPA. Not only that, but our Energy Star homes also provide significant energy cost savings over the lifespan of your new construction home.

Start your new home journey today by using our interactive floor plans. Experience the luxury and sustainability of an Energy Star home in the beautiful setting of New Kent County.

Oasis

Chesterfield, VA 23832

Starting From $417,950

15220 Dunton Avenue, Chesterfield, VA 23832

Visit our model home nearby at 15220 Dunton Avenue Chesterfield, VA 23832, located 2 minutes from the Oasis community.

Discover Oasis, a new townhome and villa home community in Chesterfield County, designed for those who seek accessible local conveniences and a vibrant low-maintenance lifestyle. Located off Fox Club Parkway near Cosby High School, Oasis will feature beautifully crafted energy-efficient villa homes and townhomes. 

Experience resort-style amenities that elevate your living experience, including a state-of-the-art clubhouse, an outdoor swimming pool, beautiful landscaping, pickleball court, sidewalks and walking trails. Embrace a lifestyle with more free time, less maintenance, and amenities that bring people together- where every day feels like a vacation.

Shire Walk

Henrico, VA 23233

Starting From $523,990

11909 Church Road, Henrico, VA 23233

Shire Walk is a new townhome community in Henrico County at the corner of Church Road and John Rolfe Parkway by Main Street Homes. This low-maintenance living community offers 3 story luxury townhomes with flexible 2 - 4 bedroom plans, quartz countertops in the kitchen and bathrooms, durable exterior Hardie plank siding, two-car garages with a driveway, outdoor living spaces with covered decks, and personal choice selections to reflect your taste and style. Community amenities include a pergola, fire pit, outdoor seating, sidewalks, and green spaces to relax outside with a book, play soccer, or socialize with neighbors. 

Songbird

Manakin Sabot, VA 23103

Starting From the Upper $700s

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Tuckahoe Bridge

Manakin-Sabot, VA 23103

Starting From $688,950 - $760,950

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Tuckmar Farm

Moseley, VA 23120

Starting From $577,950 - $646,950

Westerleigh

Moseley, VA 23120

Starting From $550,950 - $701,607

Songbird

Manakin Sabot, VA 23103

Starting From the Upper $700s

Songbird Lane | Manakin Sabot, VA 23103

Nestled along Hockett Road near the Kinloch Golf Club, Songbird is a new home community in Manakin-Sabot, VA by Main Street Homes. Conveniently located 5 miles from Short Pump Town Center, dining, shopping, and entertainment are minutes away. Offering 65 single-family homesites ranging from 0.40 to 0.70 acres, with homesite 53 spanning over an acre, Songbird will provide residents with an active lifestyle connected to nature with open green spaces, ponds, and walking trails. Enjoy a bike ride, an evening stroll after dinner, or simply relax outside to take in the scenic views and immerse yourself in nature.

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Tuckahoe Bridge

Manakin-Sabot, VA 23103

Starting From $688,950 - $760,950

2114 Tuckahoe Bridge Drive, Manakin-Sabot, VA 23103

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Tuckmar Farm

Moseley, VA 23120

Starting From $577,950 - $646,950

3806 Tuckmar Pond Drive, Moseley, VA 23120

Tuckmar Farm is a new home community, nestled in Moseley, Virginia, within the serene countryside of Chesterfield County. Conveniently located beside Horner Park off Genito Road, this 215 single-family home community provides stunning views of natural ponds, established hardwood trees, and memorable sunsets. Our larger homesites provide ample space for your dream home, a game of fetch, and your desired outdoor living area. Residents will have access to open green spaces, a community park with a pavilion and playground that is perfect for picnics or playdates, and walking trails to enjoy morning jogs, walks with your furry friend and after dinner sunset strolls. Horner Park provides an additional 316 acres of nature to explore and will be connected to Tuckmar Farm by a walking trail. This idyllic location in Moseley offers the best of both worlds – a serene retreat from the hustle and bustle, yet close enough to all the amenities you need for modern living. Click here to discover the best of Moseley- shopping and dining delights near Tuckmar Farm.

Main Street Homes builds Energy Star® certified homes with first or second-floor primary bedrooms. Explore our award-winning interactive floor plans to create your Dream Home. From storage solutions and smart home technology to outdoor living, Main Street Homes can help you create a home that supports your lifestyle. We invite you to tour our Design Studio and experience the selections that you will use to personalize your home – Your Home, Your Way!

With a location just 12 minutes from local amenities, Tuckmar Farm offers an ideal balance of convenience and comfort. Enjoy easy access to the Westchester Commons Shopping Center, Publix Super Market at Cosby Village, Food Lion at Waterford Place, Bon Secours Westchester and St. Francis Medical Center - not to mention nearby Route 288 Midlothian Turnpike and Hull Street Road for even more dining & shopping options!

Westerleigh

Moseley, VA 23120

Starting From $550,950 - $701,607

4600 Melbrook Way, Moseley, VA 23120

Welcome to award-winning Westerleigh by Main Street Homes in Chesterfield, Virginia, proudly voted Best New Home Community by RVA! This charming new home community incorporates attractive architecture, manicured entrances, neighborhood sidewalks, and resort-style amenities.  A friendly and active community awaits, with a social committee that plans outstanding year-round events for all ages, including a thriving youth swim team (Go Warriors!). Westerleigh offers spacious yards and personalized homes for every lifestyle, with 1st and/or 2nd floor primary bedrooms, 1-story living or traditional 2-story homes, and all with side-load 2-car garages and personalized designer finishes.

Westerleigh residents enjoy a beautiful lifeguarded pool facility that includes a zero-entry wading pool, a mushroom water fountain, corkscrew water slide, and Olympic-sized lap lanes. Just outside the community pool, Westerleigh boasts an outdoor playground, park for throwing the ball, and corner pavilion!

Chesterfield County's award-winning schools (Grange Hall Elementary, Tomahawk Creek Middle, and Cosby High) are also an added bonus when living in Westerleigh. The neighborhood is located in western Chesterfield County with quick access to Route 288 and the Powhite Parkway. The close proximity to Hull Street and Midlothian Turnpike offer convenient options for shopping, dining, and entertainment.

Easy-to-Use Mortgage Calculators

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CALCULATORS

Frequently Asked Mortgage Questions

For a pre-qualification, the loan officer asks you a few questions and provides you with a pre-qualification letter. A pre-approval includes all the steps of a full approval, except for the appraisal and title search. 

A rate lock is a contractual agreement between the lender and buyer. There are four components to a rate lock: loan program, interest rate, points, and the length of the lock.

Points are an upfront cash payment required by the lender as part of the charge for the loan, expressed as a percent of the loan amount. For example, "2 points" means a charge equal to 2% of the loan balance.

Borrowers pay fees at closing for services provided by the lender and other parties, such as title companies. Lenders are required to provide a written estimate of these costs within 3 days of receiving a loan application.

Lenders require proof of income and assets, including bank statements, tax returns, W2 statements, and recent paystubs. More documents may be needed to show your down payment and ability to pay closing costs.

Contact Our Team

Reach out to our team of local mortgage loan officers and take the initial step towards homeownership. Our team is ready to assist you throughout the process, offering you the necessary information and guidance to help you make informed decisions for your unique needs. Don't delay any longer - contact our team today.


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*Not a commitment to lend. Calculation estimates are hypothetical and intended for educational purposes only. Additional fees and costs, such as taxes and insurance, may not be included and may be different based on the loan program. Actual payment obligation may be higher. Loan programs, interest rates, loan terms and conditions are subject to change and may vary based on market conditions and individual circumstances. If refinancing an existing loan, the total finance charges may be higher over the life of the loan. For more information, please consult with one of our licensed loan officers.