Virginia mortgage guides

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

First-time buyer programs in Virginia
Compare FHA, VA, USDA, and HomeReady paths with official citations.
How DSCR loans work in Virginia
Debt-service coverage ratio financing for rental and investment properties.
VA loans for first-time buyers
$0-down paths for eligible veterans, service members, and spouses.
When to refinance your mortgage
Rate-and-term vs cash-out, and how to shop a refinance responsibly.

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First-Time Homebuyer Purchase Refinance Investors

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