Virginia home loans built around your scenario, from Richmond to Virginia Beach.
Virginia-licensed lending across Richmond, Hampton Roads, and the Northern Virginia counties of Fairfax, Loudoun, and Prince William. Real numbers on Virginia Housing down payment assistance, jumbo in the DC corridor, and self-employed files. Mike Certo closes the complex ones himself.
Program figures verified July 2026 — details change; confirm your scenario with us.
A Virginia-licensed team that knows the Virginia Housing Down Payment Assistance Grant, the Plus Second Mortgage, and the 2026 county limits from Fairfax to Roanoke.
Real numbers, no script. We tell a Chesapeake or Norfolk buyer when a national Chenoa DPA structure beats waiting on a Virginia Housing grant.
First-time buyer in Richmond, self-employed in Charlottesville, jumbo in Arlington, investor in Virginia Beach. We cover the full lender's toolbox.
Mike and his Virginia-licensed team handle every Alexandria, Fredericksburg, and Hampton Roads file directly. No handoffs. You always know where your loan stands.
Pick the Virginia path that fits your situation.
Each specialized guide goes deep on one type of Virginia buyer, from Richmond first-timers to Virginia Beach investors. Land directly on the answers that matter to you.
Down Payment Assistance
Virginia Housing's Down Payment Assistance Grant, Closing Cost Assistance, and Plus Second Mortgage close through their approved lenders; for Richmond and Hampton Roads buyers we originate the national Chenoa, Arrive, and Essex/NHF paths directly.
See Virginia DPA details →Buy Before You Sell
Bridge financing that removes the contingency from your offer so a Fairfax or Loudoun move-up buyer can purchase before the current home sells. Northern Virginia listing agents call this the deal-saver.
See BBYS details →Self-Employed Loans
Bank statement, 1099, and asset-qualifier paths for Virginia Beach and Charlottesville business owners. Qualify on what your business actually earns, not the post-deduction tax return.
See Self-Employed details →Jumbo & Doctor Loans
Full doc, alt doc, and super jumbo above the $1,249,125 Northern Virginia high-cost limit, plus the Medical Professionals program for doctors at UVA Health, VCU Health, Inova, and Sentara. Up to 100% LTV, no PMI, FICO 680.
See Jumbo / Doctor details →Investor & DSCR Loans
DSCR loans that finance below a 1.0 ratio for Richmond and Roanoke rentals; sub-1.0 programs are on our investor menu. Short-term-rental products for the Virginia Beach and Shenandoah Airbnb markets, plus standard rentals.
See Investor / DSCR details →First-Time Home Buyer Loans
FHA, USDA, and Conventional 97 with low down payment for the Fredericksburg or Chesapeake first-time buyer, paired with Chenoa / Arrive / Essex national DPA. Built for real-life income and credit, not perfect-paper applicants.
See First-Time Buyer details →A Virginia-licensed mortgage loan officer, not a call-center voice.
Mike Certo is a Branch Manager at Cornerstone First Mortgage, Virginia-licensed. He leads a team of seasoned Virginia-licensed loan officers and works the Richmond, Hampton Roads, and Northern Virginia files directly with the buyer and the agent through closing. No junior LO running the file behind the scenes. No handoff in the middle of escrow.
What you get when you work with Mike:
- Direct line. Real cell phone, real return calls within hours whether you're buying in Norfolk or Loudoun County.
- Real numbers. Honest math on which programs fit, including when the Virginia Housing DPA Grant isn't the right move for your Arlington purchase.
- Files that close. Mike specializes in the hard files: complex income in Charlottesville, contingency removal in Fairfax, jumbo with student debt in Alexandria, investors at scale in Virginia Beach.
Common questions.
Why does Virginia Loan Experts have multiple websites?
Each lending niche has its own questions and audience. We built dedicated Virginia guides for down payment assistance, buy-before-you-sell, self-employed, jumbo, investor, and first-time-buyer paths so a Richmond or Norfolk buyer lands directly on the answers that matter. Virginia Loan Experts is the brand parent linking them all.
What kind of borrowers do you typically work with?
First-time buyers pairing FHA with national DPA, self-employed owners in Charlottesville who need bank-statement or 1099 loans, jumbo borrowers in the Northern Virginia DC corridor including doctors, investors using DSCR on Hampton Roads rentals, and move-up buyers in Fairfax who need bridge financing to drop the contingency.
Do you work with real estate agents?
Yes, complex files are our specialty. Loudoun and Prince William listing agents bring us their CCBS files (contract contingent on buyer sale) so bridge financing removes the contingency. Buyer agents bring us self-employed, complex-doc, or unusual-property files across Virginia. Visit the For Agents page for the full referral playbook.
What's the fastest way to find out if you can help me?
Call (480) 296-6513 and ask for Mike, or send your Virginia scenario through the contact form. Our team calls you back shortly. Pre-approval typically takes 24-48 hours after credit and income docs are in, whether you're buying in Roanoke or Alexandria.
Ready when you are, Virginia.
Get pre-approved in 24-48 hours, or talk to Mike first about which Virginia path fits, from a Richmond starter home to a Northern Virginia jumbo.