Headshot of Emily Coulter

Emily Coulter

Sr. Loan Officer

Midlothian, VA Mortgage Lender

NMLS #1382261

14405 Justice Road
Midlothian, VA 23113
Contact Methods
mobile Mobile
(434) 305-6735
fax Fax


About Emily

“You’ve got a friend in me” isn’t just a reassuring phrase – it’s my pledge to you!

I pour my heart and soul into providing a boutique experience that puts my clients first. Imagine stepping into a garden where every plant receives nurturing with individual care. That’s how I strive to make each client feel like they’re the only seed I’m watering, ensuring they blossom to their full potential.

We all need someone who listens, educates, and cares deeply. I’m committed to being that friend and guide. I’ll ensure you feel confident and informed throughout your homeownership journey. Like a garden that thrives under the watchful eye of a gardener, I’m here to support, advise, and celebrate every milestone with you. This is about laying down roots in a community, growing personal and familial legacies, and cultivating a space where your dreams can flourish.

In essence, my mission is to help your dreams come true. When we close your home, we plant a seed of possibility, joy, and future prosperity. Let’s nurture these dreams together – watching them bloom into beautiful realities.


  • Purchase and Refinance
  • Purchase
  • Refinance Loans

Recent Posts and Articles


A homeowner with a child on his lap calculating whether to buy a new home or refinance his home loan

Owning a home is fun and fulfilling!

What’s not to love about having a space that is entirely yours? You can paint your bathroom fuchsia, have hardwood in the master, put up a wild Mosaic in the kitchen, install a smart thermostat, you name it. After all, it’s your home!

Equally enjoyable are the other personal and financial advantages of being a homeowner: security and stability, equity and wealth building, and more! I’m here to help you get the most from your home financing — whether you’re buying your first home, moving up or downsizing to match your lifestyle, or refinancing your current mortgage.

Helping your home financing process go smoothly.


  • The Mortgage Process

    There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • Payment Calculator

    How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • Find the Right Loan

    I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Home Loan Check List

    Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

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