What the heck happened to CircleLending?
And, what the heck happened to Lendia?
So what happens my existing loan?
How can I contact Virgin Money?
What are Virgin Money’s hours?
What is a Family Mortgage?
What is a Seller Mortgage?
What is a Retirement Mortgage?
What is Handshake Plus?
What is Handshake Basic?
What is Business Builder?
What is Student Payback?
Can I use Virgin Money even if I live outside the U.S.?
Will Virgin Money add any new products?
I'd like to work for Virgin Money.

Virgin USA, Sir Richard Branson's North American investment group, has acquired a majority stake in CircleLending, Inc. CircleLending is now Virgin Money.

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In June 2008, Virgin Money bought the assets of Lendia LLC. The same people work in the same location doing the same great job processing mortgages, only now they do it as Virgin Money.

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There will be no changes to any loan that started under CircleLending, and you do not need to do anything differently. If we make any revisions to our services, to our Privacy Policy or to our Terms of Agreement, we will let you know via email and an announcement on your monthly statement. The same holds true for Lendia clients. You’ll see a new name but everything else will remain the same, and we will notify you if anything is to change.

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To reach our main social lending office in Waltham:

• Give us a toll-free call at 1.800.805.2472

• Email us at support@virginmoneyus.com

• Send ground mail, including payments and loan documents, to:
  Virgin Money
  60 Hickory Drive
  Waltham, MA 02451

To reach our mortgage broker office in Marlborough:

• Give us a toll-free call at 1.877.937.4887

• Email us at support@virginmoneyus.com

• Send ground mail to:
  Virgin Money
  46 Lizotte Drive
  Marlborough, MA 01752

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Waltham: Monday-Friday, 9AM-7PM EST.

Marlborough: Monday-Friday, 8:30AM-5:30PM EST

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Our Family Mortgage is a loan between family or friends that is secured by real estate and is typically used toward the purchase of a house of property.

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Our Seller Mortgage is a private mortgage between a homeowner and a homebuyer. Our Seller Mortgage—often referred to as seller financing or owner financing—allows you to use your home’s equity to help sell your house.

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Our Retirement Mortgage is a secured line of credit—in any amount—funded by the relatives or friends of a homeowner. It enables the homeowner to receive cash borrowed against home equity, knowing that a relative or friend—not an institution—is building equity in the home. A Retirement Mortgage is a comparable but less expensive alternative to a traditional reverse mortgage.

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Handshake Plus is our product that both documents and services personal loans between family and friends. IT includes a promissory note, a repayment schedule and a security agreement (if you need it.). Also available with Handshake Plus is loan servicing: electronic fund transfers, email reminders, online account access and year-end reports mailed to both you and your partner.

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Handshake Basic is our product designed to make setting up a private loan with friends and family easy and official. It takes away the assumptions of an informal agreement and replaces them with clear and expectations, which greatly increases the chance of repayment. Handshake Basic provides essentials such as a promissory note and a repayment schedule.

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Business Builder is our product that makes coordinating private business loans easy, giving them the structure and credibility of a bank loan. Business Builder offers loan documentation and set-up, a promissory note, payment tracking, and a repayment schedule. We can also manage your loan for you.

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Student Payback is a way for families to structure the repayment of education financing within the family. For either a single loan or up to 10 loans, Virgin Money can formalize and manage the process of a student repaying relatives for education funds.

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You betcha! As long as the borrower and lender have U.S. bank accounts, we can document and service your loan for you. But we can handle mortgages only if they are held on U.S. properties. Sorry.

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Yup. Our product offering will definitely expand, but at the moment we don't know what form this will take. Any businesses that are interested in partnering with us on an existing or new product or service can send us an email. We’ll do lunch.

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What a coincidence! We happen to be hiring. Take a look at the jobs page to see what positions we have available. Check back frequently for new postings.

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