Virginia mortgage help, city by city.

Choice Home Mortgage helps Virginia homebuyers through licensed partner brokers. We’re licensed in California (NMLS #2629064); for Virginia we coordinate financing so you still get a broker shopping many lenders, not one bank’s shelf. We serve this market — we do not maintain a Virginia office.

Virginia’s 2026 conforming loan limits are not one number: they range from the $832,750 national baseline up to $1,249,125 in the highest-cost counties, and 3 of the Virginia cities we cover sit in those high-cost areas — Loudoun County. That matters because the same loan amount can be a routine conforming loan in one Virginia county and a jumbo in the next, and knowing which side of the line your purchase lands on is half the work. Limits per FHFA 2026; verify your scenario with us.

Our Virginia coverage spans 17 cities, from larger metros like Virginia Beach, Norfolk, Chesapeake, Richmond to smaller communities where local loan knowledge is harder to find. Many are entry and first-time-buyer markets where FHA, down-payment-assistance, and state housing-finance programs do the heavy lifting; others are higher-cost markets where high-balance and jumbo financing is the norm. Each city page below carries that city’s own county loan limit, real neighborhoods, local landmark, and the loan types that actually fit its price points — not a templated paragraph with the name swapped.

However you’re coming to the Virginia market — a first-time buyer weighing FHA against conventional, a move-up buyer in a higher-cost county sizing up high-balance or jumbo financing, or a homeowner looking at a refinance — the starting point is the same: figure out your real numbers, then match them to the right program. Because we’re a broker, we can shop that scenario across many partner lenders instead of forcing it into one bank’s box. Pick your Virginia city below to see its specific loan limit and the programs that fit, or call (949) 522-7310 and we’ll point you to the right starting line.

Licensed in California, NMLS #2629064; Virginia service via licensed partner brokers. Equal Housing Opportunity.