In Virginia, finding the right mortgage can save you thousands of dollars. Mortgage-Info.us was created for that purpose. If you are looking for Lenders, Mortgage Rates, or Mortgage Brokers – we’ve have them. When you fill out our mortgage quote form, you’ll get offers from 2-4 different lenders that will compete to save you money.
Featured Mortgage Lenders in Virginia
Virginia Mortgage Quick Facts
Virginia State Population: 7,7078,515*
Median Virginia Home Price: $125,400*
Total Virginia Housing Units: 3,006,877*
House Ownership Rate in Virginia: 68.1%*
Types of Mortgage Loans Available in Virginia
- Fixed Rate Mortgage Loan
- Adjustable Rate Mortgage Loan
- Interest Only Mortgage Loan
- Cash Out Mortgage Loan
- Refinance Mortgage Loan
- Second Mortgage Loan
- Home Equity Loan
- Home Purchase Mortgage Loan
- Reverse Mortgage Loan
- HELOC mortgage Loan
- Special Mortgage Loans
How Your Credit Score Affects Your Mortgage Rate
First off, you need to know what your current credit score is . You should compare that against the average Virginia consumer credit score of 690, and the national average credit score of 677. Your credit score impacts what your home mortgage rate will be. Historically home mortgage rates have varied from 5% to over 13%. Lenders create their home mortgage rates by using the Federal Discount Interest Rate and then increase it by using an internal formula to create their own home mortgage rate. When you apply for a home mortgage, your home mortgage rate will be determined by a whole host of factors, including your credit score.
Virginia Mortgage State Laws:
Virginia practices non-judicial foreclosure.
Mortgage and Lender Broker Act
This Act went into effect July 2003. It is the most recent amendment regarding predatory lending. Other attempts at such action have been made since 2001, and have been continually amended. Prohibits “flipping,” etc. to protect borrowers.
White Collar Crime Supervisor
150 Corporate Blvd
Norfolk, VA 23502-4999
Phone: (757) 455-0100
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