About Sanj Banga
I know the mortgage process can feel intimidating. I’m here to help guide you through it.
Sanj Banga is a seasoned mortgage loan officer with over 25 years of industry experience. Based in Richmond, Virginia, he specializes in Conventional, VA, FHA, and USDA loans, with a particular focus on New Construction and Construction to Permanent financing. Sanj's extensive background includes both loan origination and leadership roles, providing him with a deep understanding of the mortgage process from every angle.
Known for his strong analytical and problem-solving skills, Sanj excels at tailoring loan products to meet the unique needs of each client. His dedication to providing exceptional service is evident in his clients' feedback, with many praising his professionalism, responsiveness, and ability to navigate complex situations. Sanj is passionate about helping clients achieve their homeownership dreams and is committed to building lasting relationships based on trust, accountability, and reliability.
Beyond his professional life, Sanj enjoys the excitement of sports, the artistry of music, and the culinary creativity of cooking.
Why Choose Sanj Banga?
★★★★★
"Sanj was extremely professional and personable. He made the experience seamless. His customer service is extraordinary and we loved working with him. If we had to do it again, we would choose him."
- Unae T H | April 14, 2024
★★★★★
"Sanj is the ultimate professional with a wealth of knowledge and able to assist in overcoming any speed bump that maybe encountered in the process. He also has very capable staff members who make the whole process seamless. Truly, a pleasure to work with."
- Todd S | September 1, 2023
Client Tools
Ready to take the next step?
Calculate Your Monthly Payment
Our calculator tool helps your better understand your budget and home eligibility by giving you an estimated monthly payment based on purchase price, current loan rates, and loan terms.
- Total payments {{ months }} monthly payments
- Down payment ({{ upfront }}%) {{ toCurrency(down, 0) }}
- Principal {{ toCurrency(loan, 0) }}
- Total interest paid {{ toCurrency(interest, 0) }}
- Total mortgage cost* {{ toCurrency(total, 0) }}
- *Estimated, not including taxes and insurance.
Monthly Payment
-
Principal & Interest
-
Property Taxes
-
HOI
-
HOA Dues
-
PMI
Our professionals are ready to assist you with a personalized estimate, tailored to your specific wants, needs and situation when you're ready. Let us help you finance with confidence.
* The figures shown are estimates and are subject to change based on a more thorough review of your needs, choices, and credit history. The payments shown do not include other expenses you will incur as a homeowner; such as taxes and insurance. For an even more accurate quote, contact a loan officer.
The default interest rate is the Freddie Mac Weekly National Average for a 30-year conventional mortgage as of 05/09/2024. Read More
Actual figures will vary based upon market conditions and a more thorough review of your needs, loan choices and credit history. Please note that the interest rate is different from the Annual Percentage Rate (APR), which includes other expenses such as mortgage insurance, and the origination fee and or point(s), which were paid when the mortgage was first originated. The APR is normally higher than the simple interest rate. The payments shown do not include other expenses you will incur as a homeowner; such as taxes and insurance. This is an estimate. For a more accurate quote, speak with a loan officer. This calculator is a tool and is not intended as an advertisement.
Contact Sanj Banga
Whether you're in need of a mortgage or simply looking for advice, I'm happy to help. Let's connect!
Phone
804-852-7755Areas Sanj Serves
I’m available for all your mortgage needs in the following states: