Virginia
Virginia Mortgage Broker
Buying or refinancing in Virginia? Work directly with Jodie Barber — 30 years' experience, VA/FHA/USDA/conventional, and the local knowledge that actually moves your loan forward.
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).
Where we lend in Virginia
Featured cities
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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.
Let's find your Virginia home.
Straight answers, no pressure — from someone who's done this for 30 years.
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