Buying a home in Virginia

Virginia has its own down payment assistance programs, its own recordation and transfer taxes, and its own settlement customs. These are the guides that cover both the statewide programs and the parts of the process that trip people up everywhere.

Virginia assistance programs

Virginia Housing GrantAn interactive roadmap through the grant program, start to finish. Virginia Housing Plus Second MortgageHow the Plus second mortgage fits alongside a first.

The process, wherever you buy

Getting your credit readySix moves before you apply, none of which need a hard inquiry. The document checklistWhat to gather before you apply rather than after. Closing costs, explainedThe four categories, who typically pays which, and when each is due. Contract to keysThe 30 to 45 day sequence, week by week. Ten things not to do before closingThe ordinary decisions that delay or sink a loan in underwriting. Renting versus buyingThe real cost comparison, including the parts that favour renting.

Patrick L Norman · Senior Loan Officer, CrossCountry Mortgage, LLC
Licensed in Virginia, Maryland and the District of Columbia. NMLS #303097. Company NMLS #3029.
4100 Monument Corner Dr #130, Fairfax, VA 22030
(571) 249-3530

The office is at 4100 Monument Corner Dr #130 in Fairfax, which is also where most Northern Virginia settlements get coordinated from.

Everything here is free and ungated. The full library has more than thirty guides, and the blog works through them in the order you actually need them.

Buying elsewhere in the DMV? Virginia · Maryland · Washington, DC

Equal Housing Opportunity. This is not a commitment to lend or an offer of credit. Educational material only.