Charlottesville, VA Mortgage Broker
Local home-loan help in Charlottesville and all of Charlottesville City County — from a broker with 30 years of experience and 37 five-star reviews.
UVA-anchored, high-demand market (~$523K, +13.0% YoY). NOT in the DC high-cost conforming zone (baseline $832,750), but the Charlottesville MSA FHA 1-unit limit is likely above the $541,287 floor (~$600K range) — CONFIRM exact 2026 HUD value. Conventional/jumbo-leaning; surrounding Albemarle rural areas are USDA-eligible.
Serving Charlottesville neighborhoods including Downtown Mall, Belmont, Fry's Spring, North Downtown, Rugby.
Loans available in Charlottesville
Flexible terms and no upfront mortgage insurance for strong buyers.
View →Financing above the conforming limit for higher-priced homes.
View →You can do this — and there's more help than you think.
View →As little as 3.5% down with flexible credit — built for first-time buyers.
View →What Virginia clients say
“Jodie has been amazing! She has gone above and beyond her job title. She will lay it out as simple as you need it and walk you through every step. She is who I would recommend to ANYONE trying to buy a house!”
“Unparalleled experience! Barber's blend of professional expertise and personal attentiveness is a rare combination in today's service industries. I recommend her with a five-star rating.”
“She is patient, attentive to your wants and needs, transparent, and understanding. She advocates for her clients to ensure they get the best — Jodie made the homeownership process run smoothly for me.”
Buying in Charlottesville? Let's talk.
Straight answers, no pressure — from someone who's done this for 30 years.
Prefer to write? Send Jodie a message →