It's Easier than ever to get your rate options.

Today's Virginia Mortgage Rates

30 Yr. Fixed 6.875% APR 7.366%
15 Yr. Fixed 6.000% APR 6.526%
30 Yr. Fixed FHA 6.125% APR 7.071%
30 Yr. Fixed VA 6.125% APR 6.556%
Mortgage Rates as of June, 22 2024 See All Rates | See Rate Assumptions

We do Mortgages in Virginia

Virginia mortgages

We do Mortgages in Virginia. Call 800-599-1563 or fill out the form on this page for a mortgage quick quote. Its takes less than a minute to find out what you can afford.

Do you ever ask yourself, “How do I get a mortgage in Virginia?” or “Who will give me a home loan in Virginia?” Great News! You've found the answer with Moreira Team! We are mortgage brokers in Virginia.

The mortgage process can be tedious and the time it takes can really drag out. Moreira Team, a wholesale mortgage broker in Virginia, will help you get the mortgage you need at a price you can afford and in a timeline that makes sense. That’s right, we’ll make your Virginia mortgage fast and easy! There’s no need to babysit the process or figure out how everything is going to get done on time, we handle it all from start to finish. Your Virginia mortgage can't get any easier than this.

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Let’s face it. The traditional mortgage experience is brutal.

That is why we have made it our purpose, for more than a decade, to provide our clients with the best mortgage experience possible. We have the mortgage know-how and experience to make the home loan process “done-for-you”. Getting a mortgage with us is actually a lot easier than you might think, and we have programs available for every situation. We shop your loan with over 22 different lenders and banks to make sure we deliver on our promise to get you the best deal. That means you save money, get a lower rate, and spend less money out of pocket. Our guarantee is to provide you with a transparent and easy home buying experience, and our promise is to find you the best deal.

Are you looking to buy a home?

Enter in your city above to start searching for homes in your area.

Here's a few easy steps to get started on your mortgage:

  • Step 1

    Analyze Your Goals

    Having a solid idea of your wants and needs is a great place to start. What are your home needs? What area do you want to live in? What is your current financial situation? What monthly payment are you conformable paying each month?
  • Step 2

    Have a Conversation

    Call 800-599-1563 to talk to a licensed mortgage advisor to get a custom strategy on how to make your home purchase a reality. A mortgage advisor will be able to tell you exactly how much home you can afford given your unique circumstances.
  • Step 3

    Get Approved Fast

    To get the mortgage process rolling you will want to get pre-approved. You can do this yourself by clicking below or a mortgage advisor can help you step-by-step right over the phone. It takes very little time and lets you know right away how much you are approved for. Get Your Rate QuoteGet Pre-Approved

Find Out How Much You Can Afford (and Save!) with Our Mortgage Calculators

A mortgage calculator can help you see how much mortgage you can afford on your home. It can also help you figure out how much you can save by exploring different down payment and term options. Below we have a mortgage calculator and an affordability calculator. Feel free to play around with some numbers. And if you have any questions or want to talk more about your options give us a call or schedule a time to talk with a licensed mortgage advisor.

Mortgage Calculator

  • Calculator
  • Schedule
Mortgage Details Payment Breakdown

Home Price

Down Payment / 20%

Interest Rate

Loan Term

10 15 20 25 30

Property Taxes / year

Home Insurance / year

PMI / month

HOA Dues / month

Total Monthly


Principal & Interest


Property Tax


Homeowner's Insurance


Purchase Affordability Calculator

  • Purchase
  • Refinance

Annual Salary

Interest Rate

Loan Term

10 15 20 25 30

Monthly Debt

Property Taxes

Home Insurance

Maximum Monthly Payment (P&I Only)


Maximum Monthly Payment (Total Payment)


Max Mortgage Amount


We do mortgages in these Virginia areas:

Cities in Fairfax County where we do Mortgages:

  • Reston
  • Herndon
  • McLean
  • Fairfax
  • Vienna
  • Chantilly
  • Springfield
  • Annandale
  • Centreville
  • Tysons
  • Burke
  • Lorton
  • Great Falls
  • Oakton
  • Merrifield
  • Mount Vernon
  • Clifton
  • Seven Corners
  • Bailey's Crossroads
  • Franconia
  • Fort Hunt
  • Dunn Loring
  • West Springfield
  • Rose Hill
  • Hybla Valley
  • Wolf Trap
  • Lincolnia
  • Newington
  • Belle Haven
  • West Falls Church
  • Mantua
  • Lake Barcroft
  • Pimmit Hills
  • Mason Neck
  • North Springfield
  • South Run
  • Huntington
  • Kings Park West
  • Idylwood
  • McNair
  • Crosspointe

Cities in Prince William County where we do Mortgages:

  • Woodbridge
  • Gainesville
  • Haymarket
  • Dumfries
  • Dale City
  • Nokesville
  • Quantico
  • Lake Ridge
  • Triangle
  • Bull Run
  • Montclair
  • Sudley
  • Buckhall
  • Marumsco
  • Yorkshire
  • Loch Lomond
  • West Gate

Cities in Virginia Beach County where we do Mortgages:

  • Virginia Beach

Cities in Loudoun County where we do Mortgages:

  • Leesburg
  • Ashburn
  • Sterling
  • Purcellville
  • Middleburg
  • Lovettsville
  • South Riding
  • Lansdowne
  • Round Hill
  • Hamilton
  • Hillsboro
  • Stone Ridge

Cities in Chesterfield County where we do Mortgages:

  • Chesterfield
  • Midlothian
  • Chester
  • Bon Air
  • Bellwood
  • Bensley
  • Matoaca
  • Ettrick
  • Woodlake
  • Manchester
  • Rockwood

Cities in Henrico County where we do Mortgages:

  • Glen Allen
  • Short Pump
  • Sandston
  • Highland Springs
  • Tuckahoe
  • Chamberlayne
  • Dumbarton
  • East Highland Park
  • Innsbrook
  • Laurel
  • Montrose
  • Wyndham

Cities in Norfolk County where we do Mortgages:

  • Norfolk
  • Cohasset
  • Franklin
  • Wrentham
  • Bellingham
  • Quincy
  • Walpole
  • Plainville
  • Dedham
  • Brookline
  • Millis
  • Weymouth
  • Needham
  • Medway
  • Wellesley
  • Medfield
  • Randolph
  • Norwood
  • Westwood
  • Braintree
  • Stoughton
  • Canton
  • Foxborough
  • Milton
  • Holbrook
  • Sharon
  • Dover
  • Avon

Cities in Fredericksburg County where we do Mortgages:

  • Fredericksburg

Cities in Chesapeake County where we do Mortgages:

  • Chesapeake

Cities in Arlington County where we do Mortgages:

  • Arlington

Cities in Richmond County where we do Mortgages:

  • Augusta
  • Hephzibah

Cities in Newport News County where we do Mortgages:

  • Newport News

Cities in Alexandria County where we do Mortgages:

  • Alexandria

Cities in Stafford County where we do Mortgages:

  • Stafford
  • Falmouth
  • Aquia Harbour
  • Southern Gateway

Cities in Hampton County where we do Mortgages:

  • Hampton
  • Varnville
  • Estill
  • Brunson
  • Gifford
  • Luray
  • Scotia
  • Furman

Cities in Spotsylvania County where we do Mortgages:

  • Spotsylvania Courthouse
  • Partlow
  • Lake Wilderness

Cities in Albemarle County where we do Mortgages:

  • Crozet
  • Free Union
  • Ivy
  • Pantops
  • Piney Mountain
  • Batesville

Cities in Hanover County where we do Mortgages:

  • Hanover
  • Ashland
  • Mechanicsville
  • Doswell
  • Montpelier

Cities in Roanoke County where we do Mortgages:

  • Vinton
  • Cave Spring
  • Glenvar

Cities in Montgomery County where we do Mortgages:

  • Rockville
  • Silver Spring
  • Bethesda
  • Blacksburg
  • Gaithersburg
  • Germantown
  • Takoma Park
  • Potomac
  • Olney
  • Montgomery Village
  • Clarksburg
  • Wheaton
  • Kensington
  • White Oak
  • North Potomac
  • Damascus
  • North Bethesda
  • Boyds
  • Poolesville
  • Darnestown
  • Brookeville
  • Aspen Hill
  • Burtonsville
  • Chevy Chase
  • Washington Grove
  • Laytonsville
  • Garrett Park
  • Cabin John
  • Glen Echo
  • Colesville
  • Dickerson
  • Barnesville
  • Leisure World
  • Fairland
  • Kemp Mill
  • Redland
  • Travilah
  • Martin's Additions
  • Ashton-Sandy Spring
  • Chevy Chase View
  • Cloverly
  • Friendship Village
  • North Kensington
  • South Kensington
  • Brookmont
  • Somerset
  • Spencerville

Cities in Portsmouth County where we do Mortgages:

  • Portsmouth

Cities in Roanoke County where we do Mortgages:

  • Roanoke

Cities in Suffolk County where we do Mortgages:

  • Suffolk

Cities in Frederick County where we do Mortgages:

  • Stephens City
  • Middletown
  • Gore

Cities in Lynchburg County where we do Mortgages:

  • Lynchburg

Cities in Rockingham County where we do Mortgages:

  • Elkton
  • Broadway
  • Dayton
  • Massanutten
  • Bridgewater
  • Timberville
  • McGaheysville
  • Mount Crawford
  • Linville
  • Massanetta Springs

Cities in Bedford County where we do Mortgages:

  • Bedford
  • Forest
  • Montvale

Cities in Augusta County where we do Mortgages:

  • Fishersville
  • Stuarts Draft
  • Verona
  • Weyers Cave
  • Churchville
  • Crimora
  • Craigsville
  • Lyndhurst
  • Fort Defiance
  • Greenville
  • Mount Sidney
  • Middlebrook
  • Sherando
  • Dooms
  • Jolivue

Cities in James County where we do Mortgages:

  • Richmond
  • Lynchburg
  • Newport News

Cities in Fauquier County where we do Mortgages:

  • Warrenton
  • Bealeton
  • Marshall
  • Midland
  • Catlett
  • Remington
  • The Plains
  • New Baltimore
  • Calverton
  • Opal

Cities in York County where we do Mortgages:

  • Hampton
  • Lackey
  • Lightfoot
  • Seaford
  • Yorktown

Cities in Pittsylvania County where we do Mortgages:

  • Chatham
  • Gretna
  • Hurt

Cities in Franklin County where we do Mortgages:

  • Rocky Mount
  • Ferrum
  • Boones Mill
  • Penhook
  • Union Hall
  • Westlake Corner
  • North Shore
  • Henry Fork

Cities in Campbell County where we do Mortgages:

  • Rustburg
  • Altavista
  • Brookneal
  • Concord
  • Timberlake

Cities in Washington County where we do Mortgages:

  • Abingdon
  • Glade Spring
  • Damascus
  • Meadowview

Cities in Harrisonburg County where we do Mortgages:

Cities in Henry County where we do Mortgages:

  • Collinsville
  • Bassett
  • Ridgeway
  • Fieldale
  • Stanleytown
  • Horse Pasture
  • Chatmoss
  • Laurel Park
  • Oak Level
  • Sandy Level
  • Villa Heights

Cities in Culpeper County where we do Mortgages:

  • Amissville
  • Boston
  • Brandy Station
  • Culpeper
  • Elkwood
  • Jeffersonton
  • Lignum
  • Mitchells
  • Rapidan
  • Richardsville
  • Rixeyville
  • Stevensburg
  • Viewtown

Cities in Charlottesville County where we do Mortgages:

  • Charlottesville

Cities in Shenandoah County where we do Mortgages:

  • Woodstock
  • Strasburg
  • New Market
  • Edinburg
  • Mount Jackson
  • Toms Brook
  • Basye

Cities in Tazewell County where we do Mortgages:

  • Tazewell
  • Bluefield
  • Richlands
  • Cedar Bluff
  • Pocahontas
  • Claypool Hill
  • Falls Mills
  • Gratton

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Mortgages Explained Virginia: How Much Can I Afford?

If you are serious these days about buying a house in Virginia or even just looking at a home, there is one thing you’d better get – a mortgage preapproval. One of the most frequently asked questions from Virginia home buyers is “How much can I afford?” followed up by “What program is the right fit for me based on my down payment?” These are smart questions and the best place to start is to determine how much down payment you can afford. Compare down payment options and mortgage programs below.


Purchase Price


Down Payment

Down Payment Amount: $36,000
For 20% down payment, you may qualify for the following mortgage loans:

USDA Mortgage

The USDA loan is one of the best zero down payment loans still available today. Its location based meaning it has to be in a USDA approved area and eligibility is determined by household income. Many rural and suburban neighborhoods across American are eligible so it’s a perfect fit for first time and repeat home buyers that want to live in a more rural setting outside city limits.

VA Home Loan

The VA home loan is available to veterans, active military personal, and eligible spouses who have VA entitlement. It required a zero-down payment, requires no mortgage insurance, and offers flexible underwriting guidelines. It’s one of the best programs available today from an affordability standpoint and offers below market rates.

HomeReady / HomePossible

This conventional loan program assists low- to moderate-income borrowers with loans made for certain low-income areas along with more developed areas-based income eligibility. Must be a first-time homebuyer. The programs offers very flexible guidelines with a low 3% down payment and reduced mortgage insurance amounts for approved borrowers.

Conventional 97

The Conventional 97 program is a type of low-down payment mortgage for first time home buyers. There are no income limit restrictions. Borrowers only need to come up with a 3% down payment which makes it a 97% Loan to Value loan. That’s where the program gets its name. It allows for a gift for the down payment and offers common sense underwriting guidelines.

FHA Home Loan

An FHA mortgage is one of the most popular home purchase programs available today, not only for first time home buyers but repeat buyers as well. It requires a small 3.5% down payment and is perfect for borrowers with less than excellent credit, lower income, or past credit events like: foreclosure, bankruptcy, or short sale. This is a government-sponsored program designed to help more people become homeowners. That why the payments are affordable, guidelines are flexible and it offers common sense underwriting.

Conventional 95

The Standard conventional loan offers a low-down payment of 5% and offers loans up to the conventional loan limit currently $510,400. It is designed for borrowers with good to excellent credit (700 or higher) and offers attractive rates and reduced mortgage insurance. The guidelines are less restrictive for borrowers that are considered risk due to a high credit score, solid work history and a low debt to income ratio.


An 80-10-10 loan also known as a “piggyback loan” lets you buy a home with two mortgages that total 90% of the purchase price with only a 10% down payment. Borrowers get a first and second mortgage simultaneously: one for 80% of the purchase price, and one for 10%. One loan “piggybacks” on top of the other. This strategy avoids borrowers paying private mortgage insurance and sidesteps the strict lending requirements of jumbo loans. By taking advantage of this program the overall payment is often less than doing a traditional jumbo mortgage with offers higher interest rates and more restrictive underwriting.

Conventional Home Loan

Unlike the popular belief that 20% is required for this program you can qualify for a conventional home loan with as little as 10% down. Although mortgage insurance is required many home buyers are surprised to learn how affordable it really is with solid credit. This strategy makes sense versus coming up with a large 20% down payment to avoid mortgage insurance entirely.

Traditional Conventional Mortgage

The Traditional Conventional Mortgage option requires no private mortgage insurance (PMI) with 20% down and offers the most favorable terms including the most attractive rates. For borrowers who have a large down payment and great credit it’s the best option when purchasing your home or condo.

Multi-Unit & Investments

You can buy a duplex, triplex, or four-plex by making a down payment of 25% or more. Purchasing a multi-unit home is a great way to get your rental portfolio jump started as a landlord or as a primary residence if plan to move into one of the units and rent out the rest of the units. Whether you plan to live in one of the units or rent out the entire building this program is excellent to secure an income producing property. Homes with up to four units are eligible for the conventional mortgage program.

Find Out How Much Your Virginia Home is Worth!

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Mortgages Explained Virginia: Different Programs

So, you’re ready for a mortgage? Are you a first-time homebuyer or a seasoned investor? Maybe you’re ready to refinance for better rates or get cash out to update your home. No matter what your home loan needs are, you’re in good hands. We have mortgage programs for every situation.

First Time Home Buyer Mortgage

Buying a home for the first time can be a stressful and confusing situation. Where do you start? Can you afford it? The good news is we have a comprehensive list of the best loan programs that you, as a first time home buyer, can take advantage of. These programs offer different benefits depending on your unique situation and are designed to help you reach your goal of homeownership. All with less money out of your own pocket.

  • Down payment as low as 3%
  • Numerous programs available
  • 640 credit score required

Conventional Mortgage

Conventional mortgage loans offer a unique opportunity for borrowers to become homeowners or refinance with more favorable terms. The program has stricter guidelines compared to other loan programs but can be more affordable depending on your financial situation (income, credit score, debts). You will often see down payment requirements as low as 3% – 5% in most cases. One thing you need to know about a conventional home loan is that it is not guaranteed by Uncle Sam. These loans may be a bit tougher to get and can have more stringent qualifications, but the benefit may be worth it.

  • 3%-5% down payment
  • Above average credit
  • Low fixed payment

FHA Mortgage

The FHA loan program has been more popular than ever the last few years as credit has become harder to get. Getting an FHA loan is popular for new first-time home buyers as well as those who have been through a financial credit event like a short sale, foreclosure or other financial hardship in the past and are looking to get a mortgage to get back on track. It was created to help more borrowers realize the dream of homeownership due to its lenient underwriting guidelines and low-down payment options. Due to this, it’s considered the most flexible home loan program available today.

  • 3.5% down payment
  • Past credit event OK
  • Low credit OK

VA Mortgage

The three core advantages of a VA Loan are that it’s specifically tailored to meet the home buying needs of veterans, current service members and military families with flexible terms. These Government backed loans make it possible for veterans to get some of the best financing available for purchasing a new home. The three main areas that benefit Veterans the most are:

  • 100% financing
  • Below market rates
  • No mortgage insurance

Jumbo Mortgage

Jumbo Mortgages offer a unique opportunity for borrowers to buy luxury homes that exceed the conforming loan limit of $647,200. Jumbo mortgage loans have a little stricter lending requirement than other programs but still packs a punch when it comes to upping your buying power. A common misconception about jumbo loans is that you need a 20% down payment in order to qualify. The reality is jumbo financing allows you to purchase with as little as 5% to 10% down with a little creative financing. Yes, that’s right! 5% to 10% down, not the traditional 20%. This is accomplished by establishing a 1st mortgage at the conventional loan limit of $647,200 and 2nd mortgage for the rest of the balance. This “combo loan” avoids mortgage insurance and usually offers the lowest fixed payment.

  • 5%-10% down payment
  • 660 credit score required
  • No mortgage insurance

USDA Mortgage

The USDA Rural Development’s Single-Family Housing Guaranteed Loan Program is designed to help borrowers, low to moderate income earners purchase homes in rural areas. USDA home purchase loans are an excellent benefit for first time home buyers as well as growing families looking to upgrade their living situation. USDA loans are a very attractive 100% financing option for borrowers looking for an affordable home loan option.

  • 100% financing
  • Rural properties only
  • 620 credit score required
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