Mortgage loans in Virginia
Justin Mackler is licensed to originate home loans in Virginia. Here is how a Virginia loan works with him, which programs are available, and a few state rules worth knowing.
How a Virginia loan works with Justin
- Talk it through by phone or with the short form.
- Apply online at the secure application, upload documents, and sign disclosures electronically.
- A local appraiser and a Virginia title or closing professional handle the appraisal and title work.
- Closings take place in Virginia with a local title company, closing attorney, or settlement agent, as state rules require.
Loan programs available in Virginia
- Conventional loans
- FHA loans
- VA loans
- USDA loans
- Jumbo loans
- Refinance and cash-out loans
- Investment and DSCR loans
Availability depends on the property, credit, income, and each program's guidelines. Compare all loan programs.
Virginia Housing offers first mortgages and a Down Payment Assistance Grant that does not have to be repaid, subject to income and sales price limits and use of a Virginia Housing loan. Virginia Housing
Virginia details to know
- Virginia's state recordation tax on deeds is $0.25 per $100 of the greater of consideration or value, and cities and counties may add a local tax equal to one-third of the state tax. Source: Code of Virginia Ch. 8, State Recordation Tax
- Virginia also imposes a grantor's tax of $0.50 per $500, generally paid by the seller. Source: Code of Virginia Ch. 8, State Recordation Tax
- Northern Virginia jurisdictions in the DC metro area, including Fairfax, Arlington, Loudoun, Prince William and Alexandria, have a 2026 one-unit conforming limit of $1,249,125. Source: FHFA 2026 county loan limit list
Last reviewed 2026-10-29.
Tell Justin about your Virginia purchase or refinance and he will follow up with real options.
Virginia mortgage questions
Can Justin Mackler help with a mortgage in Virginia?
Yes. Justin Mackler (NMLS# 1648112) is licensed to originate mortgage loans in Virginia through United Direct Lending, Company NMLS# 1749719. You can confirm both licenses on NMLS Consumer Access.
Do I need to meet in person to get a loan in Virginia?
No. The application, documents and disclosures are handled by phone and online from Justin's Boca Raton office. The closing itself takes place in Virginia with a local title company, closing attorney or settlement agent, as state rules require.
Are loan limits higher in Northern Virginia?
Yes. For 2026, Fairfax, Arlington, Loudoun, Prince William, Stafford, Alexandria and other DC-area jurisdictions are at FHFA's one-unit ceiling of $1,249,125. Most of the rest of Virginia uses the $832,750 baseline.
Does Virginia Housing offer a down payment grant?
Yes. The Down Payment Assistance Grant does not need to be repaid, but it is available only with an eligible Virginia Housing loan and is subject to income and sales price limits.
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Share your goal, price or loan amount, credit range, timeline, and your Virginia property, and Justin will follow up personally with real options. Sending the form does not run your credit and is not a rate quote.