Services Home loans
Home loans for first keys and forever homes
Purchase, refinance, FHA, VA, and jumbo — with pre-approval letters in 24 hours and closings in 21 days on average.
Every buyer has a program
First home with 3% down, VA loan with zero down, refinancing into a lower rate — we match the program to your life, not the other way around.
What is included
- Conventional fixed & ARM
- FHA, 3.5% down
- VA loans, 0% down
- Jumbo to $2M+
- Rate & term refinances
- Cash-out refinances
$2M+
Max loan amount
4.2%
APR rates from
30 yrs
Longest term
21 days
Average close
From pre-approval to keys
Get pre-approved
Apply online in minutes. A verified pre-approval letter lands in your inbox within 24 hours.
Shop with confidence
Make offers knowing exactly what you can spend. We coordinate appraisal and inspection timelines.
Close and move in
Clear-to-close in about three weeks. Sign once, grab the keys, and start unpacking.
“Our offer won against four others because our pre-approval was rock solid. We closed in nineteen days.”
Hannah & Tom B., Virginia Beach Home loan FAQs
Conventional loans start at 3% down, FHA at 3.5%, and VA loans need 0% down. We will show you the true monthly cost of each option.
Staying put for seven-plus years favors a fixed rate. Planning to move or refinance sooner can make an ARM's lower starting rate the smarter play.
Roughly when rates drop 0.75% below yours, or when removing mortgage insurance saves more than closing costs. Our free review runs the exact math.
Typically 2–5% of the purchase price, covering lender fees, title, appraisal, and prepaid taxes and insurance. Your estimate lists every dollar.
Your keys are closer than you think
Get pre-approved today and shop for your home with total confidence.