Dash It & Own It

Home Loans in Virginia

Ready to buy that quaint downtown bungalow? We’re here to help. Whether you’re new to the real estate game or a seasoned pro, Dash Home Loans can finalize your Virginia mortgage faster than you can say “home sweet home.”

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Virginia home loans, simplified

At Dash, we provide mortgage lending services that don’t suck. We’re undeniably better than any big bank because we’ve nixed the middle man and streamlined our home loan process so your kiddos can play in their new backyard sooner.

We’ve Got a Loan for You

Types of Home Loans for Virginia Homeowners

Totally confused by all the different kinds of home loans? Not sure which is a good fit for you? Don’t stress. Take a look at the types of home loans³ we offer, then touch base with a Mortgage Coach who can help you pick the best option for you.

Adjustable-Rate Mortgage (ARM)

Perfect for anyone who wants to start with low monthly payments.

FHA 203k Dream Loan

A federal home loan² that offers cash for the home purchase plus cash for necessary renovations.

Manufactured Home Loan

Get the funds you need for a mobile or manufactured home.

Chenoa Fund™ Loan

A national down payment assistance program⁶.

Fresh Start Loan

Designed for buyers with less-than-perfect credit.

Jumbo Loan

Financing for high-dollar properties that exceed mortgage limits set by the Federal Housing Finance Agency.

Conventional Loan

A traditional loan backed by private financial lenders.

HUD Loan

An FDA-backed financing option with affordable closing costs for eligible properties.

USDA Loan

A no-down-payment² mortgage option for rural and suburban buyers.

FHA Loan

A home loan program designed for low-credit borrowers who can’t afford a big down payment.

Investment Property Loan

Loans for investors looking to rehab fixer-uppers or buy rental properties.

VA Loan⁵

Mortgage loans guaranteed by the VA⁶ with no money down² for service members, veterans, and eligible spouses.

FHA 203(h) Disaster Relief Loan

Zero-down financing² for homeowners whose property was destroyed or damaged by a natural disaster.

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We've Got You Covered

Dash Guide to Virginia Home Financing

The Dash Guide to Home Financing will calm your fears by providing detailed, step-by-step instructions from the day you start daydreaming to the day you close. This guide is a crash course in mortgage lending.

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Hear from our clients about
our home loans process

Don’t take our word for it – read rave reviews from real estate gurus, first-time homebuyers, and local realtors. They all agree that our streamlined home lending process is
as easy as pie – possibly even easier.

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Frequently Asked Questions

Virginia Home Loan FAQs

How does a mortgage work when buying a house?

A mortgage is simply a loan used to buy a home. To secure a mortgage, you apply for a loan from a mortgage lender who determines the maximum loan amount based on your credit score, debt-to-income ratio, and other factors. Once approved, you can get that dream home. You’ll repay your loan over a specified timeframe – often 10-30 years. Each month, you’ll pay on the loan’s principal plus interest.

How do you qualify to buy a home?

To purchase a home, you typically need a stable income source, a low debt-to-income ratio, and proof of liquid assets (i.e., cash). You’ll take all of this information to a mortgage lender, often a bank or home loan company, and they’ll determine how much you can borrow. This number is affected by your monthly income, credit history, bill payment history, and more.

How much of a mortgage can I get approved for?

How much money you can borrow depends on your finances. It also depends on what type of loan you’re applying for. Normally, a high income and high credit score will afford a bigger mortgage.

What kind of credit score do you need to buy a house?

It depends on the loan. Conventional loans generally require at least a 620 while FHA loans with a 10% down payment require a 500 or above. Keep in mind that a higher credit score often means a lower interest rate.

Meet Our Mortgage Coaches

Finding the Right Home Loan for You

The mortgage lending process can be an absolute nightmare. It typically includes a mountain of paperwork, lots of heart-wrenching rejections, and thousands of wasted dollars.

But it doesn’t have to be that way: Secure a home loan with Dash, and experience our streamlined, hassle-free lending process.

No matter your financial situation – self-employed with a perfect FICO®* score or retired with less-than-perfect credit – our Virginia Mortgage Coaches will help you find the right home loan quickly and easily.

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The Dash Blog

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Mortgage Lenders in Virginia

As a mortgage lender rooted in Virginia, Dash Home Loans is driven by locals. Our employees live, work, and play in Old Dominion. They know the top barbecue joints (just ask them) and the best shortcuts to avoid highway traffic.

As homeowners themselves, our employees also know the terrors of the typical home lending process. That’s why they’re dedicated to offering something different. Unlike big banks, Dash works with home buyers to find loan options that suit their needs – not ours. No matter your financial situation, we’ll help you buy that perfect house.

Ready to get started? Call our Virginia Mortgage Coaches at 757-280-1994 to schedule a consultation with our home loan experts!