Modern home representing mortgage and homeownership opportunities

Purchase loans

Home purchase loansin Northern Virginia

Conventional, FHA, VA, and jumbo loans. Start with a pre-qualification. No hard credit pull to start.

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NMLS #1820789

How I help with your purchase

  • Loan options from PRMG's direct lending programs, explained in plain English.
  • Expert guidance through the entire purchase process.
  • Start with a pre-qualification. No hard credit pull to start.

No commitment required · Free consultation

Purchase Loan Programs

Find the fit for your purchase, then start a pre-qualification. No hard credit pull to start.

Conventional

Best for strong credit and flexible terms. Standard conforming purchase mortgage.

Term: 15 to 30 years
Down Payment: As low as 3%
Credit Score: Credit requirements depend on the program and lender overlays. Ask your loan officer.

Key Benefits:

  • Predictable fixed-rate payments
  • Down payments as low as 3%
  • Widely accepted by sellers
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FHA

Best for first-time buyers and flexible credit. Government-backed purchase loan.

Term: 15 to 30 years
Down Payment: As low as 3.5%
Credit Score: Credit requirements depend on the program and lender overlays. Ask your loan officer.

Key Benefits:

  • Lower down payment barrier
  • More flexible credit guidelines
  • Gift funds allowed for down payment
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VA

Best for veterans, active-duty service members, and eligible spouses.

Term: 15 to 30 years
Down Payment: 0% with entitlement
Credit Score: Credit requirements depend on the program and lender overlays. Ask your loan officer.

Key Benefits:

  • No down payment with entitlement
  • No monthly PMI
  • Available to eligible borrowers
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Jumbo

Best for higher-priced homes above conforming loan limits.

Term: 15 to 30 years
Down Payment: Down payment depends on the program. Ask your loan officer.
Credit Score: Credit requirements depend on the program and lender overlays. Ask your loan officer.

Key Benefits:

  • Financing above conforming limits
  • Fixed and ARM options available
  • Built for larger purchase prices
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How Buying Works

1

Get pre-qualified

Know your budget and strengthen your offer. Free, no obligation.

Get pre-qualified
2

Shop with confidence

Search homes in range with a clear number in hand.

3

Make a stronger offer

Sellers take pre-qualified buyers seriously.

4

Close with guidance

We handle processing, underwriting coordination, and closing timeline.

Key facts about buying

  • Many borrowers qualify for FHA financing with as little as 3.5% down. HUD: FHA loans
  • Eligible VA borrowers may purchase a primary home with $0 down when entitlement supports it. VA: Home loans
  • Shopping multiple lenders and comparing Loan Estimates is a best practice recommended by the CFPB. CFPB: Shopping for a mortgage

Home purchase FAQ

Clear answers before you make an offer.

  • What down payment do I need to buy a home?

    It depends on the program. Many FHA borrowers qualify with 3.5% down. Eligible VA borrowers may purchase with $0 down. Conventional options can start around 3% for qualifying buyers. Closing costs are separate from the down payment.

  • Should I get pre-qualified before house hunting?

    Yes for most buyers. Pre-qualification helps you understand a realistic budget and shows sellers you are a serious buyer. It is free and does not require a hard credit pull for the online path we offer.

  • What is the difference between FHA, VA, and conventional?

    FHA is government-backed and often more flexible on credit at 3.5% down. VA is for eligible service members, veterans, and spouses and may allow $0 down. Conventional is not government-backed and can fit strong credit and varied down-payment scenarios.

  • How do I compare mortgage offers?

    Compare interest rate, APR, fees, and loan terms, not just the monthly payment. The CFPB recommends shopping multiple lenders and reviewing the Loan Estimate carefully before you lock.

  • Do I need perfect credit to buy?

    No. Different programs have different credit guidelines. FHA is often more flexible than many conventional paths. Get pre-qualified to see what fits your profile rather than guessing from a score alone.

  • How long does a purchase mortgage usually take?

    Timelines vary by program, appraisal, and underwriting. Many purchase loans close in several weeks once under contract. Your loan officer will give a timeline based on your file and the contract dates.

Plain-language guides for Virginia borrowers, with official sources.

Working with an agent? Here's how I work with them.

Ready to Buy Your Home?

Let's get you pre-qualified and on your way to homeownership. I'll help you find the right loan for your situation.

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Prefer to talk? Call 571-648-7881 or send a message