From first-time purchases to custom builds, Virginia borrowers have a wide menu of home loans to consider. Government-backed loans serve veterans, rural buyers and those rebuilding credit, while conventional and jumbo loans cover a broad range of prices. Construction and renovation loans handle building and repair projects. Many buyers qualify for more than one path. Select your city below to start sorting through the options and see which loan types may fit your plans.
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 home loans activity is highest in Virginia
| County | loans originated (2024 HMDA) |
|---|---|
| Fairfax County | 10,573 |
| Loudoun County | 5,419 |
| Chesterfield County | 5,359 |
| Prince William County | 5,265 |
| the City of Virginia Beach | 5,014 |
| Henrico County | 3,813 |
| the City of Chesapeake | 3,382 |
| the City of Norfolk | 2,828 |
| the City of Richmond | 2,198 |
| Stafford County | 2,147 |
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.
Home Loans by city in Virginia
- Abingdon
- Alexandria
- Annandale
- Aquia Harbour
- Arlington
- Ashburn
- Ashland
- Bailey's Crossroads
- Bedford
- Belle Haven
- Bellwood
- Belmont
- Bensley
- Big Stone Gap
- Blacksburg
- Bon Air
- Brambleton
- Brandermill
- Bridgewater
- Bristol
- Broadlands
- Broadway
- Buckhall
- Buena Vista
- Bull Run
- Burke
- Burke Centre
- Carrollton
- Cascades
- Cave Spring
- Centreville
- Chamberlayne
- Chantilly
- Charlottesville
- Cherry Hill
- Chesapeake
- Chester
- Christiansburg
- Collinsville
- Colonial Heights
- Countryside
- Covington
- Crosspointe
- Crozet
- Culpeper
- Dale City
- Danville
- Dranesville
- Dulles Town Center
- Dumbarton
- Dumfries
- Dunn Loring
- East Highland Park
- Emporia
- Ettrick
- Fair Lakes
- Fair Oaks
- Fairfax
- Fairfax Station
- Falls Church
- Farmville
- Fishersville
- Floris
- Forest
- Fort Belvoir
- Fort Hunt
- Fort Lee
- Franconia
- Franklin
- Franklin Farm
- Fredericksburg
- Front Royal
- Gainesville
- Galax
- George Mason
- Glen Allen
- Gloucester Point
- Great Falls
- Greenbriar
- Groveton
- Hampton
- Harrisonburg
- Herndon
- Highland Springs
- Hollins
- Hollymead
- Hopewell
- Huntington
- Hybla Valley
- Idylwood
- Independent Hill
- Innsbrook
- Kings Park
- Kings Park West
- Kingstowne
- Lake Barcroft
- Lake Monticello
- Lake Ridge
- Lake of the Woods
- Lakeside
- Lansdowne
- Laurel
- Laurel Hill
- Leesburg
- Lexington
- Lincolnia
- Linton Hall
- Long Branch
- Lorton
- Loudoun Valley Estates
- Lowes Island
- Lynchburg
- Madison Heights
- Manassas
- Manassas Park
- Manchester
- Mantua
- Marion
- Martinsville
- Massanetta Springs
- McLean
- McNair
- Meadowbrook
- Mechanicsville
- Merrifield
- Montclair
- Montrose
- Mount Vernon
- Neabsco
- New Baltimore
- Newington
- Newington Forest
- Newport News
- Norfolk
- North Springfield
- Norton
- Oakton
- Orange
- Petersburg
- Pimmit Hills
- Poquoson
- Portsmouth
- Potomac Mills
- Pulaski
- Purcellville
- Quantico Base
- Radford
- Reston
- Richlands
- Richmond
- Roanoke
- Rockwood
- Rocky Mount
- Rose Hill
- Salem
- Sandston
- Seven Corners
- Short Pump
- Smithfield
- South Boston
- South Riding
- South Run
- Springfield
- Staunton
- Sterling
- Stone Ridge
- Strasburg
- Stuarts Draft
- Sudley
- Suffolk
- Sugarland Run
- Timberlake
- Triangle
- Tuckahoe
- Tysons
- University of Virginia
- Vienna
- Vinton
- Virginia Beach
- Wakefield
- Warrenton
- Waynesboro
- West Falls Church
- West Springfield
- Williamsburg
- Winchester
- Wolf Trap
- Woodburn
- Woodlake
- Woodlawn
- Woodstock
- Wyndham
- Wytheville
- Yorkshire
Common questions
Should I choose a fixed-rate or adjustable-rate loan?
A fixed-rate loan keeps the same interest rate for the life of the loan, which makes budgeting predictable. An adjustable-rate loan starts with a fixed period and then adjusts at set intervals based on a market index. Which one fits depends on how long you plan to stay and how comfortable you are with possible payment changes.
What is a jumbo loan?
A jumbo loan is a mortgage for an amount above the conforming loan limit set each year by the Federal Housing Finance Agency. Because these loans cannot be sold to Fannie Mae or Freddie Mac under standard guidelines, lenders often apply stricter documentation, reserve and appraisal standards. Conforming limits vary by county, so check the limit for your area.
Can I finance home repairs as part of my mortgage?
Yes. Renovation loans such as the FHA 203(k) and certain conventional renovation programs let you roll repair or remodel costs into your purchase or refinance. You will typically need contractor bids and a plan for the work. Another route is buying with a standard loan and later using a home equity loan or line of credit.
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
Home Loans overview · Virginia mortgage overview
- 2024 Home Mortgage Disclosure Act (HMDA) data; U.S. Census Bureau Building Permits Survey 2025