Guides

Virginia mortgage guides

Name: Kiss Mortgage
Address: 8500 Leesburg Pike Suite 202, Vienna, VA, 22182, US
Telephone: +1-571-648-7881
Rating: 5

Plain-language explainers with links to official sources, so you can learn before you apply.

First-time buyers
First-time home buyer loans in Virginia: low and no down payment options
How FHA, VA, USDA, and low down payment conventional loans work for Virginia first-time buyers.
Investors
DSCR Loans in Virginia: How They Work for Rental Properties
How lenders qualify a Virginia rental on rent versus the full housing payment.
First-time buyers
VA home loans in Northern Virginia: a first-time buyer's guide
Who qualifies for a VA loan, what $0 down covers, and how to check a condo and reuse the benefit.
Refinance
When to refinance your mortgage, and when a HELOC fits better
How to decide on a refinance: your goal, break-even, FHA and VA streamline options, and cash-out versus a HELOC.
First-time buyers
Virginia Closing Costs for Buyers: Who Pays What
Who usually pays recordation tax, the grantor tax, title insurance, and lender fees when you buy in Virginia.
First-time buyers
Student Loans and Your Mortgage: How Lenders Count Them
How FHA, VA, and conventional loans count student loans when you apply.

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