Virginia Mortgage Broker240+ Wholesale Lenders
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?
Understanding the difference between a mortgage broker and a direct lender can save you thousands.
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
Virginia Housing Programs We Specialize In
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—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.
Virginia Markets We Serve
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
Loan Programs Available in Virginia
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
Can You Use an LLC for a DSCR Loan?
Yes — you can typically close a DSCR loan in the name of an LLC, keeping the property separate from your personal name for liability and portfolio-management purposes.
Read more
DSCR Loan vs Conventional Investment Loan: Which Is Better?
A DSCR loan qualifies you on the property's rental income with no personal income documentation; a conventional investment loan qualifies you on your personal income, DTI, and tax returns.
Read more
FHA Loans Plus a Down Payment Grant: How Little You Can Actually Bring to Closing
Combining an FHA loan with a down payment assistance grant can reduce what you bring to closing to as little as 0% to 1% of the purchase price, nationwide, not just in select states.
Read more
Can I use short-term rental income to qualify for a DSCR loan?
A DSCR loan can qualify you on the projected Airbnb or Vrbo income a property produces rather than your personal income, but only with a lender who accepts short-term rental income.
Read more
What does a VA renovation loan really involve?
A VA renovation loan lets an eligible veteran buy or refinance a home and finance non-structural repairs into the same VA loan with no down payment. The main hurdle is finding a lender who offers it.
Read more
How do investors qualify for a DSCR loan on rental income?
You qualify for a DSCR loan on the rental property income rather than your personal income, as long as that income covers the mortgage payment by the required ratio, with no tax returns or personal debt-to-income limits.
Read more