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Brought to you by Towne First Mortgage

4501 Cox Road Suite 301
Glen Allen, VA 23060

Your mortgage professionals.

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.

We will guide you through the loan process, every step of the way. We look forward to working with you!

Available Mortgage Options:

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 Mike Hall or Kenny Fryman today!

Mike Hall

Mortgage Senior Loan Officer

NMLS ID #: 252882

Office: 804-890-7390
Mobile: 804-852-8601

Mike Hall is passionate about educating and guiding borrowers through the mortgage process, helping them choose the best mortgage for their specific circumstances.

Mike specializes in first time home buyer loans, new construction, VA, USDA and government loans. He gets to know his clients through an initial loan consultation to establish their needs and wants in a mortgage loan.

He is consistent in his approach to gather the necessary loan documents, ensuring a hassle-free loan process. Throughout the process, Mike routinely updates his clients to guarantee that they’re always in the know.

TowneBank Mortgage recognized Mike as a President’s Club Member in 2013, 2014 and 2016. He is also a member of the Southside Virginia Association of Realtors and RVA Prospectors. Mike graduated with a degree in Psychology from Virginia Commonwealth University in 1998.

In his free time, Mike enjoys golfing, fishing and jet skiing, and vacationing in the Outer Banks with his son, Carsen.

As your loan officer, Mike will help you close your loan on time, without added stress or hassle. Call Mike to start the loan process today!

Kenny Fryman

Mortgage Loan Officer

NMLS ID #: 1085540

Mobile: 804-263-5054

Since becoming a Loan Officer in 2013, Kenny Fryman has helped hundreds of clients in the Richmond area achieve their dream of homeownership.

He is knowledgeable on all home loan products, including 203k Renovation, Construction Perm, Home Equity Line of Credit, USDA, FHA, and Conventional. The majority of his business consists of VHDA, FHA, and Conventional Loans.

Kenny works closely with clients to clearly communicate the difference between loan programs, and how each can benefit a particular borrower. He strives to be available at all times of the day, and often meets with customers in the evenings or on weekends. Clients are welcome to communicate with Kenny through text, email, or over the phone—whichever is best for the borrower.

Kenny was awarded a member of the TowneBank Mortgage Chairman’s club in 2015 & 2016, closing over 100 loans per year. He earned a B.S. in Business & Finance from Hampden-Sydney College in 2013, where he served as captain of the football team.

Together, Kenny and his team at Towne First Mortgage work diligently to ensure that your loan closes on time, and that the process runs smoothly.

Call Kenny to get started on the loan process today!

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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.



R-CI Builders has been building well-crafted homes since 1999. Our commitment to excellence is the cornerstone of our success and is reflected through every aspect of our work.

R-CI works closely with you to create a home which reflects your family's unique lifestyle. From initial consultation to final walk through, our project managers and staff guide you through your home's construction process. We provide our clients with hands-on construction management, quality home building products, and superior customer service based on honesty, reliability and fairness.

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  • Shady Grove Office

    9245 Shady Grove Road

    Suite 200

    Mechanicsville, VA 23116