Erin Baggett

Erin Baggett
Direct Loan Officer, NMLSR # 2060451

1001 Semmes Ave

Richmond, VA 23224-2245

About me


I’m a Loan Officer with Truist Mortgage, offering my clients 25 years of experience and a wealth of knowledge in consumer finance, including home improvement loans, refinancing, and purchase mortgages. My extensive background in lending, purchasing, managing and sales gives my clients the confidence and trust they deserve in their choice of loan officer. My complete attention to detail, coupled with a sense of urgency and sensitivity to my clients’ needs, helps them feel in control and well informed during the application and closing process. As a licensed New York State mortgage broker, I owned and operated The Franklin Financial Corporation before transitioning into property management, where I acquired and managed high-end properties in New York, Florida, and The Bahamas. I was also a licensed REALTOR® in MO and HI.   


Bachelor of Science in Finance (Honors)
Long Island University 1995

Areas of Focus

  • Choose how to position your mortgage comfortably within your overall financial picture, whether it’s to reduce your monthly payment, pay off your loan sooner, or get cash out for large purchases.

  • Explore a variety of jumbo mortgage loan financing options to put the home you’ve always dreamed of within reach.

    • Access larger loan amounts at competitive interest rates.
    • For primary residences and second homes, including condominiums.
    • Maximum loan amount varies by loan type, ranging from $3,000,000 to $5,000,000.
  • Whether you’re thinking about a new home now or further down the line, we have a variety of home loans and will help ease the mortgage process by answering your questions and making the experience as simple and straightforward as possible.

  • 100% financing at competitive rates and low monthly payments.

    • For qualifying veterans and surviving spouses.
    • 100% financing available with no down payment.
    • Borrowers exempt from monthly mortgage insurance premiums.
  • Enjoy some of the best rates and terms for a low down payment mortgage designed for doctors and dentists.

    • Qualified physicians receive special privileges including lower rates and greater purchasing power, even if you have student loans.
    • Doctors can get up to 100% financing with no monthly mortgage insurance payments.
    • Borrowers will receive favorable repayment terms to help meet the financial reality of practicing medicine.
  • By first understanding how much you can afford to spend on a home and planning accordingly, you can buy your first home with confidence.  Calculate Now

First Time Home Buyer Popup


Loading location info...
Return to list view

Location data unavailable at this time. We apologize for the inconvenience.





Office hours


Phone {3}
Fax {4}

{0} {1}

Interested in applying for a mortgage?

Great! It’s time to make it yours. Apply entirely online, then follow your status in real time with our progress tracker.