Purchase Loans
Your Path to Homeownership in Charlottesville Starts Here
A purchase mortgage loan helps you finance the purchase of your new home — whether you’re buying your first property, upgrading, or relocating within Central Virginia.
This type of loan is secured by the home itself, meaning the lender holds an interest in the property until the mortgage is paid off. With several loan options available, you can choose the program that best fits your financial goals and lifestyle in beautiful Charlottesville.
Types of Purchase Mortgage Loans We Offer
Conventional Loans
Perfect for buyers with strong credit and steady income. These loans offer competitive rates, flexible terms, and options for lower mortgage insurance costs. Ideal for established homeowners looking for long-term stability in Charlottesville’s vibrant housing market.
FHA Loans
A great choice for first-time homebuyers or those with modest credit scores. FHA loans offer lower down payments, helping you achieve homeownership faster — whether your dream is a downtown condo or a family home near Albemarle High School.
VA Loans
Exclusively available to veterans, active-duty military, and their families. VA loans offer no down payment and no PMI, making them one of the most affordable paths to homeownership. We’re proud to serve Charlottesville’s military community with honor and expertise.
USDA Loans
For those looking to buy in eligible rural areas around Charlottesville — like Earlysville, Scottsville, or Crozet — USDA loans offer low interest rates and zero down payment for qualified applicants. Perfect for those seeking peaceful, scenic living just outside the city.
Jumbo Loans
When your dream home exceeds conventional loan limits, Jumbo Loans offer the financing you need — with competitive terms and flexibility to buy luxury properties in neighborhoods like Keswick, Ivy, or along Garth Road.
Non-QM Loans
For self-employed professionals, investors, or anyone with non-traditional income, our Non-QM loans provide the flexibility to qualify using alternate documentation such as bank statements or assets.
Why Choose Us for Your Charlottesville Purchase Mortgage Loan
Personalized Service
We take the time to understand your financial goals, family needs, and homeownership vision — creating a customized mortgage plan that works for you.
Attractive Rates
Through our partnerships with multiple lenders, we secure highly competitive rates to help you save over the life of your loan.
Guidance You Can Trust
Our Charlottesville-based loan officers are here to simplify every step, providing transparent advice and hands-on support from pre-approval to closing.
Fast Approvals
We know timing matters. Our streamlined process helps you get approved quickly — so you can move into your new Charlottesville home without unnecessary delays.
How the Purchase Loan Process Works
1. Pre-Approval
Get pre-approved to learn how much you can afford — and show sellers that you’re a confident, qualified buyer in a competitive Charlottesville market.
2. Home Search
Partner with a local real estate agent to find a property that fits your lifestyle — from a charming downtown townhouse to a scenic home near the Blue Ridge foothills.
3. Loan Application
Work closely with our expert mortgage team to complete your application and gather all necessary documents.
4. Underwriting
Our underwriting team carefully reviews your financials and the property details to ensure a smooth, compliant loan process.
5. Closing
Once approved, you’ll sign your final paperwork and get the keys to your new Charlottesville home. Welcome to homeownership!
Get Started Today
Your homeownership journey in Charlottesville begins with a conversation. Whether you’re buying your first home, moving closer to the mountains, or upgrading your lifestyle, we’re here to help every step of the way.
📞 Contact our Charlottesville mortgage experts today to learn more about your purchase mortgage loan options and take the first step toward your dream home.
