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Rayetta M. Webb

Reverse Mortgage Loan Officer
NMLS# 165753

Good day to you. My name is Rayetta M. Webb and I welcome you to Bank of the James Mortgage website. I have 18 years of mortgage experience, dedicating the last 15 years to working exclusively with the “Home Equity Conversion Mortgage” (HECM/Reverse Mortgage). I am a firm believer that education is the key to making a sound financial decision and getting the facts on this type of loan program for yourself or someone you know is where you start. 

Beginning with some basic information I can tailor a starter package for your financial situation and answer many of your questions on how this loan will benefit you. The power of the HECM program is in the ability to access home equity and utilize those proceeds as best suits your needs. Paying off an existing debt, home improvements, in-home care, or a monthly draw for an additional boost to your spending dollars, these are a few of the reason’s homeowners over the age of 62 seek to use this program. 

If you are looking into the “standard” Home Equity Conversion Mortgage that allows you to “use your home to stay at home” or wanting to downsize and use the Home Equity Conversion Mortgage for “purchase” loan that combines a HECM with your purchase loan all in one transaction, I am here to provide you answers to all of your questions. 

My commitment to my customers is to help you navigate this loan process plus be here for you long after the close, for any questions that may arise. 

I also enjoy speaking to civic or church groups who want to learn more about this type of loan program. Please call me 434.238.0765 to schedule a time to meet with your group. 

Please put my 15 years of HECM experience to work for you or a loved one! 

Kindest regards, 

Rayetta M. Webb

Direct: 434-238-0765

NMLS# 165753


  • I cannot say enough good things about her; she was there to explain to me all the in and outs of reverse mortgages. With her help, it has all turned out well, so now our sons and I can stay in our home of 40 years. She was there for us when we needed her. (Larry A.)