Mortgage Loan Officers in Virginia
Verified, NMLS-licensed loan officers serving Virginia — or skip the search and get AI-matched to the right one in minutes.
Submit your loan in 60 seconds and we'll match you, free, with a top loan officer licensed in Virginia.
Get Funded in Virginia →Getting a mortgage in Virginia
Looking for a mortgage in Virginia? Whether you're buying your first home, refinancing to a lower rate, or financing an investment property, the right loan officer makes the difference. LendShift AI matches you — free — with verified, NMLS-licensed loan officers who are actively lending in Virginia and specialize in your exact loan type. Instead of cold-calling lenders or filling out a dozen applications, you submit your scenario once and get matched to professionals who compete for your business.
Loan programs available in Virginia
Fixed and adjustable-rate loans for primary homes, second homes, and rentals across Virginia. The most common path for buyers with solid credit.
Lower down payments and flexible credit make FHA a strong fit for first-time Virginia buyers.
Zero-down financing for eligible Virginia veterans, active-duty service members, and surviving spouses.
No-down-payment loans for qualifying homes in rural and suburban areas of Virginia.
Financing above conforming limits for higher-priced Virginia properties.
Qualify a Virginia rental on the property's cash flow rather than personal income — built for investors.
Virginia mortgage FAQ
How do I find a good mortgage loan officer in Virginia?+
Submit your loan scenario through LendShift and our AI matches you with NMLS-licensed loan officers who actively lend in Virginia and specialize in your loan type. You can also browse verified Virginia loan officers directly above. Matching is free and there's no obligation.
Does it cost anything to get matched with a lender in Virginia?+
No. Getting matched with a Virginia loan officer through LendShift is completely free for borrowers. You only pay standard loan costs if and when you choose to move forward with a lender.
What types of home loans are available in Virginia?+
Virginia borrowers can access Conventional, FHA, VA, USDA, Jumbo, and DSCR/investor loans, plus refinance and cash-out options. The best fit depends on your credit, down payment, and goals — your matched loan officer will walk you through the options.
How fast can a Virginia loan officer contact me?+
Most borrowers are matched within minutes. A loan officer licensed in Virginia typically reaches out the same day with real numbers for your scenario.
Can I refinance my Virginia mortgage to a lower rate?+
Yes — if rates have dropped or your home has gained equity, refinancing in Virginia can lower your payment or let you tap equity. Run the numbers with our refi calculator and get matched with a loan officer who can confirm your real savings.