Michael Wolff is a licensed mortgage broker serving buyers throughout Virginia. From Northern Virginia’s competitive DC suburbs to Richmond, Hampton Roads, and beyond — the same plain-talk, real-numbers approach applies regardless of where in the state you’re buying.
Areas Served in Virginia
Licensed statewide throughout Virginia, including Northern Virginia (Arlington, Alexandria, Fairfax, Loudoun, Prince William counties), Richmond, Virginia Beach, Norfolk, Chesapeake, Hampton Roads, and surrounding communities.
Mortgage Programs Available in Virginia
- VA Loans — zero down, no PMI for eligible Virginia veterans and active military — a specialty given Virginia’s large military population
- FHA Loans — low down payment, flexible credit requirements
- Conventional Loans — 3% down and up, including high-balance for NoVA’s elevated prices
- USDA Loans — zero-down option for eligible rural and suburban Virginia areas
- Jumbo Loans — for Northern Virginia’s high-cost markets
- Bank Statement Loans — for self-employed Virginia buyers
- VHDA Programs — Virginia Housing down payment assistance and first-time buyer programs
What Makes Virginia Different for Buyers
Northern Virginia Prices
The NoVA market (Fairfax, Loudoun, Arlington, Prince William counties) has some of the highest home prices on the East Coast. High-balance conventional loans and strong pre-approval are essential in this market. Competing without a fully underwritten approval is a significant disadvantage.
Large Military & Veteran Population
Virginia has one of the largest military and veteran populations in the country, centered around Hampton Roads (Naval Station Norfolk, Langley AFB, Fort Eustis) and Northern Virginia (Pentagon, Quantico, Fort Belvoir). VA loans are a core specialty here.
Frequently Asked Questions
Are you licensed in Virginia?
Yes, licensed statewide in Virginia. NMLS #239403.
Can you do VA loans in Virginia?
Yes. VA loans in Virginia are a specialty, particularly for buyers near Hampton Roads, Northern Virginia military installations, and Quantico. Zero down, no monthly mortgage insurance, competitive rates.
Can you do jumbo loans in Northern Virginia?
Yes. Northern Virginia’s high home prices often require high-balance conventional loans or jumbo financing. Both options are available for qualified buyers.
Get Started in Virginia
Book a call to talk through your situation, or apply now if you’re ready to move forward.
Also explore: Compare Loan Types · VA Loan Guide · All Locations
Michael Wolff · NMLS #239403 · Go Rascal, Inc. NMLS #2072896 · Licensed in VA · Equal Housing Opportunity