Buying a home in Richmond is one of the biggest financial steps you’ll ever take—and having the right mortgage makes all the difference. Whether you’re moving into a historic home in Church Hill or a new build in Midlothian, Richmond residents have access to several loan options that make homeownership more affordable.

VA Loans in Richmond

Richmond has a proud military history, and VA loans continue to serve veterans and active-duty service members here. With no down payment and flexible credit requirements, VA loans are one of the most powerful tools for Richmond’s military families.

FHA Loans for First-Time Buyers

For many Richmond homebuyers, FHA loans are an excellent entry point. With lower down payments and easier qualification, FHA loans open the door for first-time buyers who want to settle in neighborhoods like Carytown or Northside.

Conventional Loans

Conventional mortgages remain popular in Richmond for buyers with solid credit. These loans offer competitive interest rates and flexible terms—perfect for established professionals and growing families.

Refinancing Opportunities

Already own a Richmond home? Refinancing could help lower your monthly payments or free up cash for renovations. With housing prices rising in neighborhoods like West End, many homeowners are taking advantage of their equity.

Bottom line: No matter where you’re buying in Richmond, there’s a mortgage option to match your needs. Reach out today to find the loan that’s right for you.