About Mike Layton
Your home purchase is the most important purchase of your life. It's important to me too.
I am a graduate of James Madison University where I majored in business and music. Since 2003, I have approached mortgage lending in a conscientious, financially prudent and enthusiastic manner. While embracing our industry’s trend towards electronic implementation and technology, I prefer a more personal and hands-on approach and remain personally involved and accountable throughout the loan’s process to both customers and realtors. I especially enjoy attending my customer’s loan closings and sharing in this momentous occasion.
A firm believer in life/work balance, I also enjoy playing guitar, traveling, following my favorite music groups/sports teams, reading, boating and discovering new interests.
Why Choose Mike Layton?
★★★★★
“Friendly, curious, responsive! He made the whole mortgage process as seamless, effortless, and stress free as possible!” ~Daniel B.
★★★★★
“Mike and team did an amazing job on our refinance. Mike was responsive through entire process and very helpful. I will definitely recommend Mike and team to my friends.” ~Tim M.
★★★★★
“Mike and his team were amazing. In this world of mostly horrible/apathetic customer service, it's great to be reminded that there are still folks out there who care about you as a person. As long as Mike is a loan officer, I will never go anywhere else. Thanks!” ~Glenn P.
Client Tools
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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.
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- *Estimated, not including taxes and insurance.
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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 12/24/2025. 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.
Mike's Featured Articles
How to Opt-Out of Unsolicited Credit Offers
10 Steps to Homeownership
Contact Mike Layton
Whether you're in need of a mortgage or simply looking for advice, I'm happy to help. Let's connect!
Phone
804-615-6252Areas Mike Serves
I’m available for all your mortgage needs in the following states: