Shikma Rubin is a mortgage lender at Tidewater Home Funding and a local expert on the home buying process. She maintains a blog about the mortgage process (shikmarubin.com), and her advice has also been featured in The Virginian-Pilot. Tidewater Home Funding offers $1,000 off your closing costs. To obtain the discount, ask to work directly with Shikma Rubin. Tidewater Home Funding offers a variety of loan products including conventional, VA, FHA, VHDA, USDA and jumbo loans. Tidewater Home Funding is an Equal Housing Lender.