Virginia Mortgage Broker:240+ Wholesale Lenders
A Virginia mortgage broker shops your loan across many wholesale lenders instead of a single bank's products, which usually means lower rates. As an independent broker licensed in Virginia, I compare 240+ wholesale lenders to find your best rate, help you access Virginia Housing (VHDA) programs and VA loans near the major bases, and back it with a $1,000 Best Price Guarantee.
Work with an independent mortgage broker who shops 240+ wholesale lenders to find your best rate. Access Virginia Housing (VHDA) programs, military VA loans near major bases, and wholesale pricing not available at retail banks.
$1,000 Best Price Guarantee
We're so confident in our wholesale pricing that if you find a better deal elsewhere, we'll pay you $1,000. Share your competitor's Loan Estimate. If we can't beat it and you close with them, the check is yours.
Why Use a Virginia Mortgage Broker?
Using a Virginia mortgage broker means your loan is shopped across many wholesale lenders instead of a single bank, which usually lowers your rate. Understanding the difference between a mortgage broker and a direct lender can save you thousands, and it starts when you start your Virginia mortgage pre-approval.
Mortgage Broker
- Shops 240+ wholesale lenders for your best rate
- Access to wholesale pricing (0.125-0.25% lower)
- Matches your situation with specialized lenders
- Works for YOU, not the bank
- Expert in Virginia Housing (VHDA) programs
Direct Lender / Bank
- Only offers their own loan products
- Retail pricing with higher margins
- Limited flexibility for unique situations
- Loan officer represents the bank's interests
- May not offer all state assistance programs
What Virginia down payment assistance programs can a broker help with?
A broker can help you access Virginia Housing (VHDA) down payment and closing cost assistance, plus zero-down VA loans near the state's military bases. As your Virginia mortgage broker, we help you access state-specific programs that many lenders don't offer.
VHDA Plus Second Mortgage
Down payment assistance up to 5% of the purchase price as a 30-year second mortgage with below-market rates for qualifying Virginia buyers.
Closing Cost Assistance
Virginia Housing grants up to 2% of the home's purchase price toward closing costs, and it doesn't have to be repaid.
VA Loans (Military)
Zero down payment VA loans for veterans and active military near Naval Station Norfolk, Fort Belvoir, Quantico, and other Virginia bases.
What areas of Virginia do you serve?
We serve homebuyers across the entire Commonwealth, from Northern Virginia and Richmond to Hampton Roads. Explore our main Virginia home loans hub to compare every program. Licensed to serve homebuyers throughout the Old Dominion State.
Arlington
Northern Virginia
Alexandria
Northern Virginia
Richmond
State Capital
Virginia Beach
Hampton Roads
Norfolk
Hampton Roads
Fairfax
Fairfax County
Chesapeake
South Hampton
What loan programs are available in Virginia?
Virginia buyers can choose from FHA, VA, conventional, and jumbo loans, each suited to different budgets and goals. Rural buyers may also qualify for USDA loans in rural Virginia, while military families often benefit from VA loans for Virginia service members.
FHA Loans
3.5% down, flexible credit. Perfect for first-time Virginia buyers.
VA Loans
Zero down for veterans. Virginia has multiple major military installations.
Conventional
3% down options with competitive rates across Virginia markets.
Jumbo Loans
For Northern Virginia's high-cost market where homes exceed conforming limits.
What Virginia Homeowners Say
"Emmett saved us over $15,000 on our Arlington home purchase. In the competitive NoVA market, his access to wholesale rates made the difference between winning and losing our dream home!"
Jennifer K.
Arlington, VA
"As military stationed at Norfolk, I needed someone who understood VA loans inside and out. Emmett got us the best rate I've seen and the process was seamless. Highly recommend!"
Robert M.
Norfolk, VA
How the $1,000 Best Price Guarantee Works
Three simple steps to ensure you get the best deal.
Share Your Loan Estimate
Send us any competitor's Loan Estimate so we can compare rates and fees.
We Beat It or You Win
If we can't beat their combination of rate, fees, and MI, proceed with them.
Get Your $1,000
Close with the competitor, show us your Closing Disclosure within 10 days, and we send you $1,000.
Virginia Mortgage Broker FAQs
What is the difference between a mortgage broker and a lender in Virginia?
A Virginia mortgage lender offers only their own loan products at their set rates. A mortgage broker is an independent professional who shops your loan across multiple wholesale lenders to find the best rate and terms. Brokers access wholesale pricing not available directly to consumers, often 0.125-0.25% lower than retail rates.
Can a mortgage broker help with Virginia Housing programs?
Yes! Virginia offers excellent state programs through Virginia Housing (formerly VHDA) including the Plus Second Mortgage for down payment assistance up to 5%, Closing Cost Assistance grants, and FHA Plus loans. A good Virginia mortgage broker knows which lenders are approved for these programs and can help you qualify.
Why should I use a mortgage broker instead of my bank in Virginia?
Mortgage brokers have access to wholesale rates from multiple lenders, often 0.125-0.25% lower than retail bank rates. In Virginia's competitive housing markets like Northern Virginia, this can save you tens of thousands over your loan term. Brokers also match your specific situation with lenders who specialize in that loan type.
What is the $1,000 Best Price Guarantee?
If you close a loan with any lender for a lower combination of interest rate, fees, and monthly mortgage insurance, we'll send you a $1,000 check. Simply share your Loan Estimate so we can compare. If we can't beat it and you close with the competitor, show us the Final Closing Disclosure within 10 days and we'll pay you $1,000.
Browse Loans by Virginia Region
Find specialized mortgage guidance for your part of the Commonwealth. Choose your region to explore local market notes and available loan programs.
Get Your Mortgage Quote
Connect with Emmett directly. Quick response, personalized guidance for your Virginia home purchase.
Why Contact Emmett?
- ✓ Local Virginia market expertise
- ✓ Access to 240+ wholesale lenders
- ✓ Same-day pre-qualification available
- ✓ No obligation, free consultation
From the blog & learning center
Virginia Home Buying Guides
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How to Buy a House With Bad Credit
You can buy a house with bad credit, it just takes the right loan program and some strategy. FHA loans accept scores as low as 500, and there are concrete steps to strengthen your application even when your credit isn't where you'd like it.
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How Can You Buy a House With No Money Down?
Two true zero-down loans exist: VA for veterans and military, and USDA for eligible rural and suburban homes. A few other paths get you close.
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What Is a Jumbo Loan? (2026 Limits)
A jumbo loan is a mortgage that exceeds the 2026 conforming limit of $832,750 in most counties, or $1,249,125 in high-cost areas.
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Jumbo Loan Requirements in 2026
To qualify for a jumbo loan in 2026, most lenders look for a 700+ credit score, 10-20% down, DTI at or below 43%, and cash reserves after closing.
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Jumbo Loan Down Payment: How Much You Really Need
You don't necessarily need 20% down for a jumbo loan. In 2026, well-qualified borrowers can find financing with as little as 10% down on loans up to roughly $2 million.
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