Second Mortgages 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 recording costs: State recordation tax on deeds and on deeds of trust/mortgages, city or county recordation tax, and the grantor tax on deeds - all collected by the circuit court clerk as a prerequisite to recording. Your Loan Estimate lists the taxes that apply to your loan.
Where second mortgages activity is highest in Virginia
| County | loans originated (2024 HMDA) |
|---|---|
| Fairfax County | 1,597 |
| Chesterfield County | 1,337 |
| the City of Virginia Beach | 1,306 |
| Prince William County | 1,305 |
| Loudoun County | 1,158 |
| Henrico County | 888 |
| the City of Chesapeake | 819 |
| Stafford County | 632 |
| Hanover County | 424 |
| the City of Norfolk | 415 |
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
- What Is a Second Mortgage?
- HELOC vs. Home Equity Loan: Which Way to Tap Your Equity
- Cash-Out Refinance vs. HELOC: Choosing How to Use Your Equity
- First-Time Home Buyer Programs in Virginia
Second Mortgages overview · Virginia mortgage overview
- 2024 Home Mortgage Disclosure Act (HMDA) data; U.S. Census Bureau Building Permits Survey 2025