Your Virginia
Mortgage, Handled.
From Fairfax County to the Shenandoah Valley, our team knows Virginia lending inside and out, including which Virginia Housing programs are a true grant, which have to be paid back, and the loan limit that more than doubles inside the Washington metro.
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) 621-5413, We'll Walk You Through ItVirginia Programs That Reduce Your Costs
Virginia Housing runs the state programs. The important question is not how much a program gives you, it is whether you ever have to give it back.
The Virginia Housing Down Payment Assistance Grant is a true grant and is never repaid. The Plus Second Mortgage is not. It is a fully amortising second loan with its own monthly payment for 30 years. You cannot use both on the same purchase, so the choice between them is the whole decision. Both require a Virginia Housing loan through an approved lender, and income and sales price limits apply by area.
Covers 2% of the purchase price on a conventional bond loan or 2.5% on an FHA bond loan. On a $500,000 home that is $10,000 to $12,500 you never pay back.
Up to 2% of the purchase price toward closing costs on a bond RHS or VA loan. It is a separate grant from the down payment assistance grant.
A fully amortising 30 year fixed second mortgage with its own monthly payment. It is not forgivable and it is not deferred. 3.5% on FHA at a 620 score, 3% on conventional at 640, and 5% on FHA or 4.5% on conventional at 680.
Virginia Housing stopped issuing mortgage credit certificates on May 1, 2023 and has not reopened the program. Certificates issued before that date are still valid. Guides that still promote a Virginia MCC are out of date.
The grant or the second mortgage?
On a $500,000 purchase the grant hands you $10,000 to $12,500 and asks for nothing back. The Plus Second hands you more up front and bills you for it every month for 30 years. Which one wins depends on how long you plan to hold the home and how tight the monthly payment is. We will run both against your actual numbers before you choose.
Run Both OptionsVirginia Housing program terms as verified for 2026. Income and sales price limits vary by area and change; Washington area limits took effect August 1, 2026. Confirm current terms with Virginia Housing or call us at (571) 621-5413. This is not a commitment to lend.
Buying just over the Potomac instead? The Maryland Mortgage Program runs on different income caps and a different transfer tax, and the two rarely suit the same buyer.
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+. The 2026 baseline is $832,750, rising to $1,249,125 inside the Washington 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.
If your search runs west into the Eastern Panhandle, our West Virginia mortgage page covers the Jefferson County limit, which sits far above the rest of that state.
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 $1,249,125 for 2026. The national baseline is $832,750. 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 to 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) 621-5413 and we'll check your eligibility in minutes.
They depend on the program, the county and how many people are in the household. In the Washington metro area, which covers Fairfax, Loudoun, Arlington, Prince William and Alexandria, the down payment grant programs cap qualifying income at $148,000 for a household of two or fewer and $174,000 for three or more, against an $800,000 sales price limit. The standard bond programs run higher, at $186,000 and $217,000. The expanded program, which is open to repeat buyers as well as first time buyers, uses a single $245,000 qualifying income with no sales price cap. Figures come from Virginia Housing and were effective August 1, 2026. They are revised periodically, so confirm the current table before you rely on one.
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 to 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 the conforming ceiling 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.
No. Virginia Housing suspended its mortgage credit certificate program on May 1, 2023 and has not reopened it. Certificates issued before that date stay valid, so if you already hold one, keep claiming it. Anything online still promoting a new Virginia MCC is out of date.
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) 621-5413Sell 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.
We are a Virginia mortgage lender licensed across the region, so a move that crosses a state line does not mean changing lenders midway.