Step 1
Get pre-approved
We look at income, assets and credit up front. You get a real number, not a guess, and a letter sellers take seriously.
Virginia mortgage team, based in Hampton Roads
Home loans, made clear.
First-time, VA and self-employed buyers get every number explained before it matters. No guesswork at the closing table.
How it works
Four steps.
No surprises.
Most mortgage stress comes from things nobody explained. We walk you through each step before you get there, so you always know what's next.
Step 2
Shop with a real number
You know the payment, the cash to close and the ceiling. Your agent writes offers with confidence, and we're a call away when terms change.
Step 3
Underwriting
Send everything. Change nothing. No new credit cards, no job changes, no big deposits without a paper trail. We tell you exactly what underwriting will ask for.
Step 4
Close and get the keys
You'll see your final numbers days before closing, line by line. At the table you sign, you don't get surprised.
Trust you can count
4.88/5
Average client rating
2017
Helping Virginia buyers since
Who we help
For the buyers nobody explains things to.
A pre-approval isn't a formality. It's the plan. We build it around your situation, then make sure you understand every line.
First-time buyers
How much house your salary really buys, what score you need, and how much cash it takes to close. In plain words.
First-time buyer guide
VA buyers
You earned the benefit. We cover the fine print: funding fee, entitlement, residual income and cash to close on a 0% down loan.
VA loan guide
Self-employed buyers
Your write-offs make your income look smaller on paper than it feels. We know how underwriting reads a tax return, and how to plan for it.
Talk through your incomeLoan programs
The right loan beats the lowest rate.
Every program has rules about down payment, credit and mortgage insurance. We compare them side by side with your numbers, not a sales pitch.
VA Loans
For veterans, active-duty service members and eligible surviving spouses.
- 0% down for eligible buyers
- No monthly mortgage insurance
FHA Loans
Smaller down payment, more flexible credit guidelines.
- 3.5% down with a 580+ score
- Gift funds allowed
Conventional
Strong option for good credit, with mortgage insurance you can drop.
- As little as 3% down for qualifying buyers
- PMI can come off at 20% equity
USDA Loans
For homes in eligible rural and suburban areas.
- 0% down in eligible areas
- Household income limits apply
First-Time Buyer
Low down payment options and down payment assistance, explained.
- Virginia Housing program options
- Cash-to-close plan before you shop
Self-Employed
Business owners, 1099 earners and gig income.
- Tax return review before you apply
- Bank statement options
Refinance
Lower your rate, change your term or take cash out.
- Rate and term refinance
- Cash-out and VA IRRRL
Jumbo Loans
For loan amounts above the conforming limit.
- Higher loan amounts
- Fixed and adjustable options
Mortgage calculator
What will it cost each month?
The rate isn't the payment. Taxes, insurance and mortgage insurance all ride along. Change any number and watch the full payment update.
Estimated monthly payment
$0/mo
- Principal and interest$0
- Property tax$0
- Homeowners insurance$0
- Mortgage insurance$0
- HOA dues$0
Estimates only, for illustration. Not a loan offer or commitment to lend. Your actual rate, payment and costs depend on credit, property, loan program and market conditions.
Get my real numbersClient reviews
Brian and his team did everything for my family. They made the process smooth and were willing to explain the details that i didn’t understand. I can’t say this enough but thank you to the loan rangers team for helping with the purchase of our new home! 10/10 would recommend!!
Brian was such a blessing to us during our home buying experience. From day one he kept us informed of what was going on, and what the next step was. … In a time crunch due to personal circumstances he went above and beyond to ensure everything was smooth sailing for my family. Forever thankful to have had such a great first time home buying experience.
Brian keeps you informed every step of the way and communicates frequently. He made it possible for my wife and I to buy and sell a home in the same day and made it happen in under 30 days. He takes the time to answer all of your questions and explain them in great detail.
Buying a home can be extremely stressful especially if it’s your first time. When I had a question Brian had an answer. He answered all questions thoroughly and made the process smooth. I love my new home and I am happy Brian was apart of the process.
He is available at all times and very informative. Made the process a BREEZE! Any money problems, concerns, or curiosity Brian is my first call!
4.88 out of 5 from 92 reviews Read them all
FAQ
Straight answers to what buyers ask us most. Don't see yours? Ask us. There's no such thing as a basic question when it's your money.
Ask a questionHow much do I really need for a down payment?
Less than most people think. VA and USDA loans can be 0% down for eligible buyers. FHA starts at 3.5% with a 580 or higher score. Some conventional loans start at 3% for qualifying buyers.
Down payment isn't your only cash need, though. Plan for closing costs and prepaid items too. We'll give you a full cash-to-close estimate up front.
What credit score do I need to buy a home?
It depends on the program. FHA allows 3.5% down at 580 and up. Conventional loans generally start at 620. VA doesn't set a minimum score. We'll tell you exactly where you stand after one conversation.
Your score affects more than approval. It moves your rate and your mortgage insurance cost, so a few points can change the payment.
What's the difference between pre-qualified and pre-approved?
A pre-qualification is an estimate based on what you tell us. A pre-approval means we've pulled credit and reviewed your income and asset documents. Sellers and agents take a pre-approval far more seriously.
What documents should I gather?
Most buyers need 30 days of pay stubs, two years of W-2s, two months of bank statements and a photo ID. Self-employed buyers usually add two years of personal and business tax returns. VA buyers add a Certificate of Eligibility, which we can often pull for you.
I'm self-employed. Can I still qualify?
Yes, with a plan. Underwriting typically uses your income after write-offs, averaged over two years. That's often lower than what you actually take home. We review your returns before you apply so there are no surprises in underwriting.
Will shopping for a mortgage hurt my credit?
Not to get started. We begin with a soft credit pull, which doesn't affect your score. It shows us where you stand and what to work on.
When you're ready to move forward, we'll do a hard credit pull for your full pre-approval. We'll tell you before it happens.
Start here
Let's get you approved.
Tell us a little about your plans. A loan officer will reach out within one business day with next steps. Not a sales script.
- Call or text(757) 573-0940
- Email[email protected]
- Office425 W Washington St, Ste 4, Office 219
Suffolk, VA 23434 - HoursOffice: 9am to 5pm
By phone until 8pm
Got it. We'll be in touch.
A loan officer will reach out within one business day. Want to talk sooner? Call (757) 573-0940.
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Short, plain-English mortgage tips every week. FHA, VA, credit, cash to close. Follow wherever you scroll.
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