Your Virginia
Mortgage, Handled.
From Fairfax County to the Shenandoah Valley, our team knows Virginia lending inside and out — including VHDA grants up to $50,000, tax-saving Mortgage Credit Certificates, and every county's unique programs.
Lending Across Northern Virginia
Every county has different property tax rates, median prices, and programs. We know the numbers so you don't have to guess.
Virginia's most populous county with top-rated schools, Metro access, and proximity to DC. Strong market with steady appreciation.
Explore Fairfax County
One of Virginia's fastest-growing counties. Lower tax rate than Fairfax with excellent new-build communities and Data Center Alley economic strength.
Explore Loudoun County
Urban living steps from DC. Home to the Pentagon and Amazon HQ2. Condos, townhomes, and single-family in walkable neighborhoods.
Explore Arlington
Best value in NoVA with lower median prices and proximity to Quantico. Popular with military families and first-time buyers stretching their budget.
Explore Prince William
Historic charm meets urban convenience. Waterfront living, walkable dining in Old Town, and quick Metro access to downtown DC.
Explore Alexandria
Affordable entry to the NoVA market. Minutes from Quantico and I-95 corridor. VRE commuter rail makes it viable for DC workers seeking more space.
Explore StaffordNot sure which area fits your budget? We'll match you with neighborhoods that fit your payment range.
Call (571) 242-0301 — We'll Walk You Through ItVirginia Programs That Reduce Your Costs
Virginia offers some of the most generous down payment assistance in the mid-Atlantic. Here are the VHDA programs our team helps buyers access every month.
Virginia homebuyers may qualify for up to $50,000 in down payment assistance through VHDA programs including forgivable grants, second mortgages, and tax credits. Most programs are available to first-time and repeat buyers with income limits based on your county. The Ken Byrne Team at JB Financing is VHDA-approved to originate all of these programs.
A true grant that covers 2% to 2.5% of the purchase price. On a $500K home, that's $10,000–$12,500 toward your down payment that you never pay back.
Provides 3% to 5% of the purchase price as a second mortgage. On a $500K home, that's up to $25,000. The loan may be forgivable after a set period.
Converts 20% of your annual mortgage interest into a dollar-for-dollar federal tax credit, up to $2,000 per year. Over 10 years, that's up to $20,000 in savings.
Reduces your mortgage interest rate by up to 1% below market rates. On a $500K loan, that can save over $300/month and tens of thousands over the loan term.
VHDA Pilot DPA —
Up to $50,000
Virginia's newest and most generous down payment assistance program provides up to $50,000 for eligible buyers. This program targets areas with the highest barriers to homeownership and may be available for your purchase.
Check Your EligibilityProgram details subject to change. Verify current terms at VHDA.com or call us at (571) 242-0301.
Every Mortgage Option, One Team
We originate every major loan type in Virginia. Here's how each one works — and who it's best for in today's market.
The most common loan for Virginia buyers. As little as 3% down with PMI that drops off automatically. Best rates for credit scores 700+. 2026 limit: $806,500 in the DC metro area.
Virginia is home to the Pentagon, Fort Belvoir, and Quantico — and we serve the military families stationed here. 0% down, no PMI, and no loan limit for full entitlement.
Designed for buyers with credit scores as low as 580. More flexible debt-to-income ratios than conventional. Combines well with VHDA down payment assistance for minimal cash at closing.
Parts of Stafford, Fauquier, and western Virginia counties qualify for USDA 100% financing. Zero down payment required with lower mortgage insurance than FHA.
For McLean estates, Arlington penthouses, and Great Falls properties that exceed conforming limits. Competitive rates with as little as 10% down for qualified borrowers.
Already own in Virginia? Rate-and-term, cash-out, VA IRRRL, and FHA Streamline options available. Tap into your home equity or reduce your monthly payment.
Our team compares every option side by side — including programs most lenders don't mention. One conversation, no obligation.
Get Pre-Approved — Free, No ObligationVirginia County Comparison
Property taxes, median prices, and monthly costs vary significantly by county. Here's the data that drives your decision.
| County / City | Median Price | Property Tax Rate | Est. Monthly Tax | Est. Monthly Payment* | Relative Cost |
|---|---|---|---|---|---|
| Arlington County | $750K | 1.013% | $633 | $5,280 | |
| Fairfax County | $700K | 1.11% | $648 | $5,000 | |
| Loudoun County | $700K | 0.87% | $508 | $4,860 | |
| Alexandria City | $650K | 1.09% | $591 | $4,640 | |
| Prince William County | $550K | 1.037% | $475 | $3,940 | |
| Stafford County Best Value | $475K | 1.01% | $400 | $3,410 |
*Estimated monthly payment assumes 10% down, 6.5% rate, 30-year fixed, principal + interest + taxes + insurance. Rates and prices are approximate as of early 2026 — use our calculator for a personalized estimate.
Serving Those Who Serve Our Country
Northern Virginia is home to some of the nation's most critical military installations. Our team understands the unique timelines, PCS moves, and BAH calculations that come with military lending. VA loans are one of our specialties.
VA loan eligibility information from VA.gov. Verify your Certificate of Eligibility (COE) during pre-approval.
Virginia Mortgage Questions
Answers to the questions Virginia homebuyers ask us most.
The 2026 conforming loan limit for the Washington, D.C. metro area — which includes Fairfax, Loudoun, Arlington, Prince William, Stafford, and Alexandria — is $806,500. This is the maximum loan amount for a conventional mortgage before it becomes a jumbo loan. This limit is set by the Federal Housing Finance Agency (FHFA) and adjusts annually based on home price changes.
It depends on the loan type. Conventional loans require as little as 3% down. FHA loans need 3.5% down. VA loans and USDA loans offer 0% down options. Additionally, VHDA programs can cover 2–5% of the purchase price as a grant or forgivable loan, meaning some Virginia buyers close with very little out of pocket. Use our affordability calculator to see what you'd need.
Most loan programs require a minimum credit score of 620 for conventional and VA loans, and 580 for FHA loans. However, a score of 700 or higher typically qualifies you for the best interest rates. Our team reviews your full financial picture — not just your score — and can advise on quick credit improvements if needed before you apply.
Yes — many VHDA programs are available to both first-time and repeat buyers, as long as you meet the income and purchase price limits for your county. The VHDA DPA Grant and Plus Second Mortgage are both available to previous homeowners. Income limits vary by household size and location, so eligibility depends on your specific situation. Call us at (571) 242-0301 and we'll check your eligibility in minutes.
Property tax rates vary by county: Loudoun is approximately 0.87%, Stafford is 1.01%, Arlington is 1.013%, Prince William is 1.037%, Alexandria is 1.09%, and Fairfax is 1.11%. On a $600K home, the difference between Loudoun and Fairfax is roughly $1,440 per year. Our mortgage calculator includes county-specific tax rates so you can see your true monthly payment.
A typical Virginia closing takes 30–45 days from accepted offer to keys in hand. If you're pre-approved before making an offer, the process is often faster. VA loans may take slightly longer due to the VA appraisal process, but our team manages the timeline closely. Getting pre-approved first is the single best way to speed things up.
Absolutely. VA loans are available throughout Virginia with no geographic restrictions. With full entitlement, there's no loan limit — so you can finance homes above $806,500 with 0% down and no PMI. This makes VA loans especially powerful in high-cost Northern Virginia counties where homes routinely exceed $700K. Our team works with military families near the Pentagon, Fort Belvoir, and Quantico every week.
The MCC converts 20% of your annual mortgage interest into a dollar-for-dollar federal tax credit, up to $2,000 per year. Unlike a tax deduction, a tax credit directly reduces the amount of federal taxes you owe. This benefit lasts for the life of your mortgage and can be combined with VHDA down payment assistance. It's one of the most underutilized homebuyer savings programs in Virginia. Learn more at VHDA.com.
Both counties have similar median home prices (~$700K), but Loudoun has a lower property tax rate (0.87% vs. 1.11%), which saves roughly $1,680/year on a $700K home. Fairfax offers more Metro access and established neighborhoods, while Loudoun has newer communities and strong economic growth from the data center industry. Your choice may come down to commute, school preferences, and lifestyle. Our team and The Jamil Brothers Realty Group can help you compare neighborhoods side by side.
Yes. While most of Northern Virginia's urban core is excluded, parts of Stafford County, Fauquier County, and areas west and south of Prince William County may qualify for USDA 100% financing. USDA loans offer 0% down payment with lower mortgage insurance rates than FHA. If you're flexible on location, USDA can be one of the most affordable paths to homeownership in Virginia.
Start with our secure online application — it takes about 15 minutes. We'll review your income, assets, credit, and employment to give you a pre-approval letter that tells sellers exactly what you can afford. In a competitive Northern Virginia market, a pre-approval from a local lender carries more weight than one from an online-only company.
Yes — and our family of companies makes this easier than most. The Ken Byrne Team handles your new mortgage while The Jamil Brothers list your current home for just 1.5% commission, saving you thousands. We coordinate timelines so your sale and purchase close smoothly. This kind of buy-sell coordination is one of the biggest advantages of working with a team that does both lending and real estate.
Our team answers Virginia mortgage questions every day — no pressure, no obligation.
Call (571) 242-0301Sell Your Virginia Home for 1.5% Commission
The Jamil Brothers Realty Group — our sister company — lists Virginia homes for just 1.5% listing commission. That's full service: professional photography, MLS listing, staging guidance, negotiation, and closing coordination. Not a discount service — a smarter one.
Your Mortgage & Real Estate —
Coordinated
The Jamil Brothers Realty Group and JB Financing are sister companies run by the same family — so your mortgage and real estate teams are already in sync from day one.