Conventional Loans are available to borrowers across Virginia through licensed lenders and brokers. Eligibility, documentation and terms vary by borrower, property and investor, so the right fit depends on your situation.
Call to talk with a licensed loan officer. Programs vary by borrower, property and investor.
Virginia's state housing finance agency is Virginia Housing. Its homebuyer programs include Conventional first mortgage (bond and non-bond), FHA first mortgage (bond and non-bond), VA first mortgage (bond and non-bond). These programs work through participating lenders and have their own eligibility rules. See our Virginia first-time buyer programs guide.
Where conventional loans activity is highest in Virginia
| County | loans originated (2024 HMDA) |
|---|---|
| Fairfax County | 15,122 |
| Loudoun County | 8,502 |
| Prince William County | 7,027 |
| Chesterfield County | 6,947 |
| the City of Virginia Beach | 6,196 |
| Henrico County | 5,557 |
| the City of Chesapeake | 3,398 |
| the City of Richmond | 3,072 |
| Stafford County | 2,435 |
| Hanover County | 2,302 |
Start your application in a few minutes. A licensed loan officer reviews it and follows up with your options.
- Takes a few minutes
- Reviewed by a licensed loan officer
- No obligation to proceed
Prefer to talk first? Call (888) 912-6746. Applying is not a loan approval or commitment to lend; programs vary by borrower, property and investor. ClearPoint Mortgage Advisors, NMLS #173855. Properties in FL, NY, NJ, PA, CT and VA only.
Find a lender near you in Virginia
- Mortgage lenders in Virginia Beach
- Mortgage lenders in Richmond
- Mortgage lenders in Chesapeake
- Mortgage lenders in Norfolk
- Mortgage lenders in Arlington
- Mortgage lenders in Roanoke
- Mortgage lenders in Newport News
- Mortgage lenders in Fredericksburg
- Mortgage lenders in Alexandria
- Mortgage lenders in Hampton
- Mortgage lenders in Lynchburg
- Mortgage lenders in Charlottesville
- Mortgage lenders in Portsmouth
- Mortgage lenders in Suffolk
- Mortgage lenders in Blacksburg
- Mortgage lenders in Williamsburg
- Mortgage lenders in Winchester
- Mortgage lenders in Centreville
- Mortgage lenders in Dale City
- Mortgage lenders in Harrisonburg
- Mortgage lenders in Reston
- Mortgage lenders in Staunton
- Mortgage lenders in Leesburg
- Mortgage lenders in Ashburn
- Mortgage lenders in Tuckahoe
- Mortgage lenders in McLean
- Mortgage lenders in Danville
- Mortgage lenders in Lake Ridge
- Mortgage lenders in Annandale
- Mortgage lenders in Burke
Related guides
- Conventional vs. FHA Loans: Which May Fit You?
- How Mortgage Preapproval Works
- Documents Needed for a Mortgage
- First-Time Home Buyer Programs in Virginia
Conventional Loans overview · Virginia mortgage overview
- 2024 Home Mortgage Disclosure Act (HMDA) data; U.S. Census Bureau Building Permits Survey 2025