This site covers 194 Virginia cities and towns. Lenders originated 144,554 home loans across the Virginia counties in our data in 2024. Below are the state rules borrowers ask about most, every loan type by state, and links to city pages.
Call to talk with a licensed loan officer. Programs vary by borrower, property and investor.
Virginia mortgage rules to know
- Mortgage licensing: Virginia State Corporation Commission, Bureau of Financial Institutions
- State housing finance agency: Virginia Housing
- Foreclosure process: Most Virginia home loans are secured by a deed of trust; after a default, the trustee can sell the property after giving the owner the statutory written notice and advertising the sale (Va. Code 55.1-321).
- Recording taxes and fees: 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.
- For owner-occupied homes, the trustee's pre-sale foreclosure notice must include HUD housing counseling and legal aid information and the statement 'This is NOT a notice to vacate the premises.'
- Virginia mortgages are generally recorded as deeds of trust, so the state recordation tax applies to the deed of trust at closing in addition to the deed.
- After a foreclosure sale, the trustee must file an account of the sale, which is audited by the local Commissioner of Accounts.
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
Our online application is being set up. Call now and a licensed loan officer will take your application by phone.
Apply by phone: (888) 912-6746Prefer 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.
Loan types in Virginia
- Mortgage Lenders in Virginia
- Mortgage Companies in Virginia
- Mortgage Brokers in Virginia
- Home Loans in Virginia
- Mortgage Refinance in Virginia
- Cash-Out Refinance in Virginia
- HELOC in Virginia
- Home Equity Loans in Virginia
- FHA Loans in Virginia
- VA Loans in Virginia
- First-Time Home Buyer Loans in Virginia
- USDA Loans in Virginia
- Jumbo Loans in Virginia
- Reverse Mortgage in Virginia
- Construction Loans in Virginia
- Renovation Loans in Virginia
- Conventional Loans in Virginia
- Physician Loans in Virginia
- Second Mortgages in Virginia
Larger Virginia cities
- Virginia Beach
- Richmond
- Chesapeake
- Norfolk
- Arlington
- Roanoke
- Newport News
- Fredericksburg
- Alexandria
- Hampton
- Lynchburg
- Charlottesville
- Portsmouth
- Suffolk
- Blacksburg
- Williamsburg
- Winchester
- Centreville
- Dale City
- Harrisonburg
- Reston
- Staunton
- Leesburg
- Ashburn
- Tuckahoe
- McLean
- Danville
- Lake Ridge
- Annandale
- Burke
- Linton Hall
- Manassas
- Mechanicsville
- Oakton
- Fair Oaks
- Springfield
- Martinsville
- South Riding
- Petersburg
- Sterling
Guide
- https://www.scc.virginia.gov/bfi/reg_inst/mlo.aspx
- https://www.virginiahousing.com/homebuyers/home-loans
- https://law.lis.virginia.gov/vacode/55.1-321/
- https://law.lis.virginia.gov/vacodefull/title58.1/chapter8/
- https://www.pwcva.gov/department/circuit-court/land-records-fees
- https://www.fairfaxcommissionerofaccounts.org/foreclosure/general-introduction/