Virginia Mortgage Broker
From Northern Virginia and Arlington to Richmond, Virginia Beach, and the greater D.C. metro corridor, LendFriend Mortgage provides access to competitive rates and low fees across Conventional, Jumbo, VA, FHA, and Non-QM loan programs. Whether you're a W-2 employee, self-employed entrepreneur, investor, or veteran, we help you buy or refinance in Virginia with clear guidance and reliable execution.
Why Virginia Homebuyers Trust LendFriend Mortgage
At LendFriend Mortgage, we help Virginia buyers secure Conventional, Jumbo, VA, FHA, and Non-QM home loans tailored to real-world financial profiles and long-term goals. Whether purchasing in Northern Virginia, refinancing in Richmond, or buying along the Virginia Beach coast, we deliver competitive pricing, disciplined underwriting, and approvals that hold up at closing.
Here’s why borrowers across Virginia work with us:
- Competitive conventional loan options across Virginia. From first-time homebuyers in Chesapeake to move-up buyers in Fairfax County, we offer conforming financing with low lender fees and efficient timelines. Down payments as low as 3% are available, and underwriting remains consistent and predictable.
- Jumbo financing for higher-priced Virginia markets. In areas like Arlington, McLean, and parts of Loudoun County, loan amounts often exceed conforming limits. We structure jumbo fixed and ARM options designed for payment efficiency and long-term flexibility.
- VA loans with 0% down for eligible veterans. With strong military presence throughout Virginia — including Norfolk, Virginia Beach, and the greater Hampton Roads region — VA financing remains one of the most powerful tools available. We structure VA loans to maximize entitlement while maintaining strong positioning in competitive negotiations.
- Non-QM options for self-employed and high-asset borrowers. For business owners, 1099 earners, real estate investors, and borrowers with complex income profiles, we offer bank statement programs, asset-based qualification, and alternative documentation solutions that reflect real cash flow and liquidity.
- Proven execution across Virginia. With more than a decade in the mortgage industry and over $1.5 billion originated since 2018, we are known for clean approvals, responsive communication, and dependable closings — even in complex or time-sensitive transactions.
Virginia Homebuying and Refinancing Options
Buying or refinancing in Virginia requires more than comparing rates. Loan limits vary by county, property values shift from Northern Virginia to Richmond to the Hampton Roads region, and borrower profiles range from salaried professionals to business owners and military families. The right financing approach should reflect local market conditions and your long-term financial goals.
At LendFriend Mortgage, we help Virginia buyers evaluate Conventional, Jumbo, VA, FHA, and Non-QM loan options with clarity and precision. Whether purchasing in Arlington, refinancing in Richmond, or exploring opportunities in Virginia Beach or Chesapeake, our tools, market updates, and loan guidance are built specifically for Virginia homeowners who want competitive terms and dependable execution.
Loan Programs Designed for Any Virginia Borrower
With access to a broad network of wholesale mortgage lenders, we offer flexible home loan options built around how Virginians actually earn, invest, and build wealth. Whether qualifying with traditional W-2 income, business revenue, real estate investments, retirement assets, or digital holdings, financing should reflect your full financial picture — not a simplified template.
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Jumbo Loans in Virginia
Built for first-time buyers and experienced homeowners alike, our conventional and jumbo mortgage options provide competitive pricing with fixed and adjustable-rate structures. For higher-value properties in Arlington or McLean, we tailor financing to match your purchase strategy and long-term plans.
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Self Employed Mortgages in Virginia
Virginia is home to business owners, consultants, and government contractors whose income may not fit neatly into traditional guidelines. Bank statement programs allow qualified borrowers to use documented cash flow instead of tax returns — creating a clear path to homeownership without unnecessary friction.
Crypto Mortgages in Virginia
For borrowers holding meaningful digital assets, purchasing a home does not always require immediate liquidation. Financing solutions can be designed to support a Virginia home purchase while maintaining long-term exposure to your portfolio and avoiding avoidable capital gains events.
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VA Loans in Virginia With 0% Down
With one of the largest veteran populations in the country, Virginia homebuyers benefit significantly from VA financing. Eligible veterans and active-duty service members can purchase with no down payment and no monthly mortgage insurance. We ensure entitlement is used properly, strengthen offer positioning, and guide transactions smoothly from approval through closing.
Asset Depletion Mortgages in Virginia
For borrowers whose financial strength sits in brokerage accounts, retirement funds, or other liquid assets, asset-based qualification can convert documented holdings into usable qualifying income. This approach is often ideal for retirees, high-net-worth buyers, and those with non-traditional earnings.
Buy Before You Sell Programs in Virginia
Coordinating two closings can create timing pressure in competitive Virginia markets. Buy-before-you-sell strategies unlock home equity upfront, allowing you to move forward without contingent offers and transition between properties with greater control and confidence.
LendFriend Mortgage serves the following areas in Virginia:
Whether you're purchasing in Northern Virginia’s competitive D.C. suburbs, relocating to Richmond, or buying along the Virginia Beach coastline, LendFriend Mortgage helps buyers and homeowners secure the right financing for their situation. We provide flexible mortgage solutions for primary residences, second homes, and investment properties across Virginia’s most sought-after communities — including:
- Virginia Beach
- Norfolk
- Chesapeake
- Arlington
- Richmond
- Newport News
- Alexandria
- Hampton
- Roanoke
- Portsmouth
- Suffolk
- Lynchburg
- Leesburg
- Charlottesville
- Fredericksburg
- Danville
- Petersburg
- Winchester
Get Started on Your Virginia Home Purchase Today
Whether you’re purchasing in Virginia Beach, Richmond, Arlington, Charlottesville, or anywhere in between, we structure home loans around your goals. From low-down-payment conventional options to VA loans with zero down and jumbo financing for higher-priced Northern Virginia properties, we design solutions that fit both the home and your long-term plan.
Apply online or connect with a Virginia mortgage specialist today. We compare competitive rates across conforming, jumbo, VA, FHA, and Non-QM programs and map out a clear path from application to closing. Many of our clients across Virginia close in 30 days or less with financing structured correctly from the start.
What Our Borrowers Say About LendFriend
5/5 Star Reviews on Google, Zillow, and Experience.
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LendFriend has been an outstanding lending partner, reliable, transparent, and incredibly easy to work with. Their team made the entire process smooth from start to finish, always available to answer questions and guide us through each step. I highly recommend LendFriend to anyone looking for a trustworthy and efficient lender.
Trung Nguyen
Closed July 2025 -
Eric and his team at LendFriend made our home buying experience so simple! They were there anytime we had questions and were so incredibly easy to work with. I would highly recommend them for any of your mortgage needs!
Melanie Rodas
Closed February 2026 -
I had been looking for a house for 2-3 years and while it was a journey as a business owner with a difficult financial situation this company did what 6 others could not. They got me a jumbo loan based off my business income and when I needed more they just made it happen twice. This process of funding can be extremely difficult and basically a blow to the ego but Eric and his team are literally magicians and my fiancee and I are now closed on out dream house. I recommend them whole heartedly
Shawn Tassone, MD, PhD
Closed April 2025 -
LendFriend made my homebuying experience so easy. As a business owner, I heard horror stories about how hard it can be for guys like me to get a mortgage. Thankfully I found LendFriend. Eric and the team had me approved in no time. My rate was great and they closed on time. Couldn’t ask for more
David Marino
Closed August 2025 -
They were great. They took the time to explain the process and help us through from start to finish. LendFriend gave us confidence that refinancing when we did was the right the call.
Skylar Eberhard
Closed December 2025
Frequently Asked Questions
Why choose LendFriend Mortgage?
LendFriend Mortgage is a mortgage brokerage built for today’s Virginia homebuyers and homeowners. We originate Conventional, Jumbo, FHA, VA, VA IRRRL, and advanced Non-QM loans including bank statement, asset depletion, DSCR, and crypto-backed financing.
What makes us different isn’t just product depth — it’s execution.
As a mortgage broker, we shop multiple wholesale lenders to structure the most competitive option for your scenario. And after your first transaction, we waive lender fees on future loans — because we build long-term relationships, not one-time transactions.
How can I get the best mortgage rate?
Securing a competitive mortgage rate starts with preparation and proper structuring.
Your rate is influenced by several key factors:
- Credit score
- Down payment amount
- Debt-to-income ratio
- Loan program
- Property type
- Market conditions
The strongest outcomes come from aligning these variables strategically. That may mean optimizing your credit utilization, adjusting your down payment structure, or selecting the right loan product for your scenario.
Working with a mortgage broker can also make a meaningful difference, as brokers have access to multiple lenders rather than a single institution’s pricing.
At LendFriend, we focus on delivering a well-structured loan — not just a headline rate — so your financing supports both your purchase and your long-term financial goals.
What’s the first step in getting a mortgage?
The first step is gaining clarity on your financial position.
Before beginning your home search, it’s important to understand:
- How much you can comfortably afford
- Your available down payment
- Your projected monthly payment
- How your income and debt affect qualification
At LendFriend, we begin with a financial review to determine your realistic home shopping budget. From there, we assess documentation, analyze debt-to-income, identify the most appropriate loan program, and issue a strong preapproval.
Approaching the process in this order provides confidence when it’s time to make an offer and helps ensure a smooth path to closing.