Virginia
Virginia Mortgage Broker
Buying or refinancing in Virginia? Work directly with Jodie Barber — 30years' experience, VA/FHA/USDA/conventional, and the local knowledge that actually moves your loan forward. NMLS #76185. Not a real estate brokerage.
Definition
What does a Virginia mortgage broker do?
Jodie Barber (NMLS #76185) originates Virginia VA, FHA, conventional, USDA, and first-time loans through NEXA Mortgage (NMLS #1660690). She is not a real estate broker. Virginia is arguably the country’s densest VA-loan state: Norfolk, Oceana, Langley-Eustis, Quantico, Belvoir, Gregg-Adams. High-cost NoVA jurisdictions sit at $1,249,125; the rest of the state uses $832,750 conforming, with FHA varying by MSA (Hampton Roads $757,850, Richmond $707,250, many others at $541,287). Statewide median about $453,389. Virginia Housing runs a true DPA grant, a Plus second, a VA-capable closing-cost grant, and MCCs.
Higher limits apply in Arlington County, Fairfax County, Fairfax City, Falls Church City, Alexandria City, Loudoun County, Prince William County, Manassas City, Manassas Park City, Stafford County, Spotsylvania County, Fredericksburg City, Fauquier County, Culpeper County, Warren County, Clarke County, Madison County, Rappahannock County County (conforming up to $1,249,125).
Redfin statewide median $453,389 (May 2026, +3.0% YoY). Virginia REALTORS also publishes a monthly state sales report. Virginia is arguably the #1 VA-loan state in the country given its dense active-duty and veteran population (Hampton Roads + Northern Virginia + Quantico/Belvoir corridor).
Three Virginias
Northern Virginia is a high-cost, high-balance, Pentagon/Quantico/Belvoir conversation. Hampton Roads is the world’s-largest-naval-station conversation. Central and Southside — Richmond, Chesterfield, Petersburg, Roanoke — is Gregg-Adams plus civilian first-time. The Chesterfield VA leaf on this site is written for that third Virginia. Do not paste an Arlington jumbo limit onto a Chester purchase.
Virginia’s independent-city structure means Richmond City is not in Chesterfield County. Taxes and comps do not transfer because the MLS map looks contiguous.
Virginia Housing combination rules
DPA Grant 2% (conv) / 2.5% (FHA) is a true grant and cannot be combined with the Plus Second or the Closing Cost Assistance Grant. Plus Second is repayable, up to 5% (more for closing costs at higher FICO). CCA Grant is the VA/USDA-oriented closer. Jodie stacks what the current guide allows — not three logos at once.
Where we lend in Virginia
City pages exist only where the local data layer supports unique facts — not a doorway spray.
Featured cities
Major metros
More areas we serve
Down payment help in Virginia
- Virginia Housing Down Payment Assistance (DPA) Grant
2% of purchase price (with a Virginia Housing Conventional first mortgage) or 2.5% (with a Virginia Housing FHA first mortgage). Qualified first-time homebuyer (no ownership in past 3 years) OR repeat buyer purchasing in an Area of Economic Opportunity; must use an eligible Virginia Housing bond first mortgage (Conventional or FHA); household income within Virginia Housing DPA income limits; within sales-price/loan limits; minimum 600 credit score; borrower brings at least 1% of purchase price from own funds/eligible gift. Cannot be combined with the Plus Second Mortgage or Closing Cost Assistance Grant.
- Virginia Housing Plus Second Mortgage
Up to 5% of purchase price for down payment; borrowers with a 680+ credit score may finance an additional ~1.5% for closing costs (total up to ~6.5% above/toward purchase price). First-time or repeat homebuyers; paired with an eligible Virginia Housing first mortgage (FHA, Conventional, or non-bond Conventional without MI); household income within Virginia Housing limits; within sales-price/loan limits. Designed to eliminate the cash-to-close down payment. Higher income limits than the grant. Not combinable with the DPA Grant.
- Virginia Housing Closing Cost Assistance (CCA) Grant
Grant toward closing costs (percentage varies). Qualified first-time homebuyers using an eligible Rural Housing Service (USDA) or VA loan through Virginia Housing; income/sales-price limits apply. Especially relevant to VA-loan and rural buyers.
VA loans & Virginia military communities
- Naval Station Norfolk
Serving Norfolk, Virginia Beach, Chesapeake, Portsmouth, Suffolk. World's largest naval base and the single biggest VA-loan demand driver in the state — ~75,000+ active-duty plus ~29,000 civilians, 75 ships and 14 piers. Anchors the entire Hampton Roads VA-loan market. THE priority military geo for VA.
- Naval Air Station Oceana
Serving Virginia Beach, Chesapeake, Norfolk. Navy's East Coast Master Jet Base (F/A-18). Strong Virginia Beach VA-purchase and PCS demand.
- Joint Expeditionary Base Little Creek-Fort Story
Serving Virginia Beach, Norfolk, Chesapeake. Major amphibious/expeditionary base; feeds Virginia Beach and Norfolk VA-loan demand.
- Norfolk Naval Shipyard
Serving Portsmouth, Chesapeake, Suffolk, Norfolk. Located in Portsmouth (despite the name); large civilian/military workforce supporting Portsmouth and Chesapeake buyers.
Keep learning
Entitlement, $0 down, funding fee.
A timeline you can hand to family.
The sequence that keeps offers alive.
State HFAs, stacked honestly.
Generic process — no named agents.
Stations across Jodie’s licensed states.
Virginia buyer FAQ
- Is Jodie licensed in Virginia?
- Yes. NMLS #76185, NEXA NMLS #1660690. She is not affiliated with the Department of Veterans Affairs. Phone (425) 830-2240.
- Is Chesterfield a high-cost county?
- No. High-cost $1,249,125 is a listed NoVA/DC-MSA set. Chesterfield uses $832,750 conforming and $707,250 FHA.
- Where should a Fort Gregg-Adams family start?
- The Chesterfield VA page if you want Richmond-suburban stock; Petersburg if you want next-to-the-installation prices; the /military hub for the statewide map.
- Can Virginia Housing help on a VA loan?
- The Closing Cost Assistance Grant is built for eligible VA/USDA firsts. The 2%/2.5% DPA Grant is a conventional/FHA Virginia Housing first product. Do not assume every logo stacks.
- Can Jodie intro a Virginia buyer’s agent?
- Yes, after pre-approval. Not a Realtor®, not a brokerage.
- Why are there so many recordation lines on a Virginia LE?
- State and local recordation, grantor tax, and deed-of-trust recordation. NoVA and Hampton Roads add regional fees Chesterfield does not. Ask Jodie to walk the LE.
Let's find your Virginia home.
Straight answers, no pressure — from someone who's done this for 30 years.
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