Central Virginia’s housing market covers a wide corridor, stretching from Richmond’s urban core through Henrico, Chesterfield, and Midlothian, out to Charlottesville, Fredericksburg, Goochland, and Lake Anna. Median prices in Henrico County have recently ranged in the $390,000–$430,000 corridor based on recent market data, and the FHFA-set conforming loan limit sits at $806,500 for single-family properties in 2025–2026 (Source: FHFA.gov). That means the difference between a well-planned mortgage approach and a reactive one can translate to tens of thousands of dollars over the life of a loan.
This guide covers seven proven strategies Central Virginia homebuyers and homeowners use to navigate the mortgage process with confidence. From protecting your credit score during early rate shopping, to selecting the right loan program, to understanding how a broker with access to hundreds of lenders differs structurally from a single-institution retail lender, each strategy is grounded in mechanics, math, and honest comparisons.
Whether you are purchasing in Short Pump, refinancing in Midlothian, or evaluating investment property near Lake Anna, these strategies give you a structured framework for making smart mortgage decisions. No promotional framing here. Just the mechanics, the math, and the comparisons that help you ask better questions and negotiate better terms.
These strategies apply to borrowers in Virginia, Florida, Tennessee, and Georgia. Central Virginia residents in Richmond, Chesterfield, Goochland, Louisa, Fredericksburg, Charlottesville, and surrounding communities will find the most localized detail throughout.
1. Start With a No-Touch Credit Pre-Qualification — Not a Hard Pull
The Challenge It Solves
Most borrowers begin their mortgage search by applying directly with a lender, triggering a hard credit inquiry before they have even compared loan programs or lender options. A hard pull can reduce your credit score by several points. When you are near a pricing tier threshold, even a small drop can shift your rate category and cost you real money. The solution is to establish your mortgage baseline using a soft-pull pre-qualification first.
The Strategy Explained
A soft-pull pre-qualification uses the VantageScore 4.0 model to assess your credit profile without triggering a hard inquiry. According to VantageScore.com, VantageScore 4.0 is designed to provide a more comprehensive view of creditworthiness, including trended credit data. This gives you a meaningful picture of where you stand before any lender formally reviews your file.
The NoTouch Credit pre-qualification process used by Better Mortgage Rates operates on this model. You get a real assessment of your credit position, an estimated rate range, and program eligibility guidance without a single point of credit score impact. This is structurally different from what most national retail lenders offer at first contact.
Lenders like Rocket Mortgage, Movement Mortgage, and PrimeLending typically initiate a hard pull as part of their standard pre-approval workflow. That is not a criticism of their process; it reflects how retail lenders are built. A broker operating on a soft-pull model simply has a different intake structure that protects your score during the exploration phase.
Implementation Steps
1. Request a soft-pull pre-qualification before contacting any lender that requires a formal application. Ask specifically whether the initial review uses a hard or soft inquiry.
2. Review your VantageScore 4.0 result and identify which credit score pricing tier you fall into. The tiers that matter most for rate pricing are 620–639, 640–659, 660–679, 680–699, 700–719, 720–739, and 740+.
3. Use the soft-pull results to determine whether credit restoration work before a formal application could move you into a better pricing tier. Even a 20-point improvement from 699 to 720 can meaningfully affect your rate.
4. Only authorize a hard pull once you have selected a lender and are ready to move forward with a specific program on a specific property.
Pro Tips
The CFPB notes that multiple mortgage-related hard inquiries made within a short window — typically 14 to 45 days depending on the scoring model — are treated as a single inquiry (Source: CFPB.gov). So if you do reach the hard-pull stage, concentrate your formal applications within that window to minimize score impact.
2. Rate-Shop Across Hundreds of Lenders — Not Just One Institution
The Challenge It Solves
When you apply with a single lender, you receive one rate from one product shelf. That lender may have competitive pricing on a given day, or they may not. You have no way to know without a comparison. The structural difference between a mortgage broker and a direct retail lender is not about service quality. It is about how many pricing options are available to you at the moment you need them.
The Strategy Explained
A mortgage broker submits your loan file to multiple wholesale lenders simultaneously, which means the rate you receive reflects competition across a wide lender pool. A retail or direct lender — including Rocket Mortgage, CapCenter, PrimeLending, and Movement Mortgage — prices loans from their own internal product shelf. That shelf may be deep, but it is still a single institution’s pricing.
The table below illustrates why even a modest rate difference compounds significantly over a 30-year loan. These figures are for illustrative purposes only and do not represent a rate quote or guarantee. Actual rates depend on credit profile, LTV, loan type, and market conditions at time of application.
Rate and Payment Comparison — $400,000 Loan, 30-Year Fixed (Illustrative Only)
Rate: 6.25% | Monthly P&I: $2,463 | Total Interest (30 years): $487,080
Rate: 6.50% | Monthly P&I: $2,528 | Total Interest (30 years): $510,080
Rate: 6.75% | Monthly P&I: $2,594 | Total Interest (30 years): $534,040
Rate: 7.00% | Monthly P&I: $2,661 | Total Interest (30 years): $557,960
Rate: 7.25% | Monthly P&I: $2,729 | Total Interest (30 years): $582,440
The spread between 6.25% and 7.25% on a $400,000 loan is $95,360 in total interest over 30 years. Even a half-point difference — 6.50% versus 7.00% — represents $47,880 in additional interest cost. That is the financial case for rate shopping across lenders rather than accepting the first quote you receive.
Implementation Steps
1. Before accepting any rate quote, ask the lender whether they are a broker (wholesale access to multiple lenders) or a direct/retail lender (single institution pricing). This question alone tells you how much competitive pressure exists on your quote.
2. Obtain at least two or three Loan Estimates in Loan Estimate format (the standardized CFPB disclosure) so you are comparing identical line items — rate, APR, origination fees, and estimated closing costs.
3. Bring competing Loan Estimates to your preferred lender and ask them to match or beat the best offer. Brokers with wholesale access can often reprice against a competing quote.
4. Pay attention to APR, not just rate. A lower rate with higher origination fees may cost more than a slightly higher rate with minimal fees, depending on your expected hold period.
Pro Tips
Local competitors like 804 Mortgage, River City Lending, and Sparrow Home Loans operate in the Richmond market. Comparing their Loan Estimates against a broker with access to hundreds of wholesale lenders gives you a real market benchmark. The goal is not to find fault with any lender — it is to ensure your rate reflects genuine competition.
3. Match the Right Loan Program to Your Situation — The Central Virginia Program Map
The Challenge It Solves
Borrowers who approach the mortgage process with only one loan type in mind — often conventional — sometimes disqualify themselves unnecessarily or leave significant benefits on the table. Central Virginia’s geography, its mix of urban, suburban, and rural communities, creates eligibility for multiple programs that many buyers never explore. Matching your situation to the right loan program before you apply is one of the highest-leverage decisions in the process.
The Strategy Explained
The table below maps the primary loan programs available to Central Virginia borrowers. Credit score minimums reflect published program guidelines from HUD.gov, VA.gov, and Fannie Mae’s Selling Guide. These are minimums; lender overlays may apply.
Conventional: Min. Credit Score: 620 | Down Payment: 3%–20%+ | Key Feature: No upfront mortgage insurance premium; PMI removable at 20% equity. Best for borrowers with strong credit and stable W-2 income.
FHA: Min. Credit Score: 580 (3.5% down) or 500–579 (10% down) per HUD.gov | Down Payment: 3.5% or 10% | Key Feature: More flexible credit and DTI guidelines. Upfront and annual MIP required.
VA: No minimum set by VA per VA.gov (lender overlays typically 580–620) | Down Payment: 0% | Key Feature: No PMI, no down payment for eligible veterans and active-duty service members. Significant long-term savings.
USDA: Min. Credit Score: 640 (USDA guidelines) | Down Payment: 0% | Key Feature: Income and geographic eligibility required. Parts of Goochland, Louisa, Caroline County, and outlying Ashland areas may qualify. Verify current boundaries at eligibility.sc.egov.usda.gov — eligibility maps change periodically.
Jumbo: Min. Credit Score: 700–720 typical | Down Payment: 10%–20%+ | Key Feature: For loan amounts above the $806,500 conforming limit. Stricter reserve and income documentation requirements.
Non-QM: Min. Credit Score: Varies by product (often 580–620) | Down Payment: 10%–30% | Key Feature: Designed for borrowers outside conventional income documentation. Includes bank statement, asset depletion, and DSCR structures.
Bank Statement Loans: Min. Credit Score: 580–620 typical | Down Payment: 10%–20% | Key Feature: 12 or 24 months of personal or business bank statements substitute for tax returns. Useful for self-employed borrowers in Richmond and Charlottesville whose tax returns understate income.
DSCR (Debt Service Coverage Ratio): Min. Credit Score: 620–640 typical | Down Payment: 20%–25% | Key Feature: Qualification based on property cash flow, not personal income. Designed for real estate investors. Relevant for Lake Anna, Goochland, and Richmond-area investment properties.
Implementation Steps
1. Identify your primary eligibility category first: veteran/active duty (VA), rural property buyer (USDA), self-employed (bank statement or Non-QM), or investor (DSCR). These specialized programs should be evaluated before defaulting to conventional or FHA.
2. If you are a veteran purchasing anywhere in Central Virginia, start with VA loan eligibility. The absence of a down payment requirement and PMI represents substantial savings on a $400,000–$800,000 purchase.
3. For properties in Goochland, Louisa, Caroline County, or the outskirts of Ashland, check USDA eligibility before assuming you need a down payment. Zero-down financing is available in qualifying rural zones.
4. If a bank or credit union has turned you down, ask specifically about Non-QM pathways. A turndown from one institution does not mean no financing exists — it often means the wrong program was applied to your situation.
Pro Tips
The $806,500 conforming loan limit means most purchases in Henrico, Chesterfield, and the Richmond corridor stay within conventional financing reach. Jumbo financing only becomes necessary above that threshold, so buyers in the $400,000–$800,000 range typically have full conventional program access without the stricter Jumbo overlays.
4. Understand Breakeven Math Before You Refinance
The Challenge It Solves
Refinancing without calculating your breakeven point is one of the most common and costly mortgage mistakes homeowners make. A lower rate does not automatically mean a refinance makes financial sense. The question is not whether the new rate is lower — it is how long it takes for the monthly savings to recover the closing costs. If you plan to sell or move before that point, the refinance costs you money.
The Strategy Explained
The breakeven calculation is straightforward. Here is a fully worked example using a $350,000 loan balance. This is a hypothetical illustrative example. Actual rates, payments, and closing costs vary. This is not a rate quote.
Current loan: $350,000 balance at 7.25% | Monthly P&I: $2,388
Proposed new rate: 6.50% | Monthly P&I: $2,212
Monthly savings: $2,388 minus $2,212 = $176 per month
Estimated closing costs: $6,500
Breakeven calculation: $6,500 ÷ $176 = 36.9 months (approximately 37 months)
Conclusion: If you plan to remain in the home longer than 37 months from the closing date of the refinance, the transaction is mathematically favorable. If you plan to sell or move within three years, the closing costs are not recovered and the refinance costs you money net.
The breakeven framework applies to any refinance scenario. Change the rate reduction, change the closing costs, and recalculate. The math is the same.
Implementation Steps
1. Obtain your current loan balance and interest rate from your most recent mortgage statement. This is your starting point for the breakeven calculation.
2. Request a Loan Estimate for the proposed refinance. The Loan Estimate will show your estimated closing costs on page two. Use that figure as your cost input.
3. Calculate monthly P&I savings using the difference between your current payment and the proposed payment. Online mortgage calculators can verify your arithmetic.
4. Divide total closing costs by monthly savings to get your breakeven in months. Compare that number to your expected remaining time in the home.
5. For cash-out refinances: note that certain programs allow cash-out up to 90% LTV. Verify current program guidelines at time of application, as this applies to specific conventional and non-QM programs — not all loan types permit 90% cash-out. The breakeven math still applies; factor the cash-out proceeds into your net cost analysis.
Pro Tips
Two streamline refinance pathways skip the appraisal requirement entirely, which reduces closing costs and simplifies the process. The VA Interest Rate Reduction Refinance Loan (IRRRL) is available to veterans with existing VA loans. FHA Streamline refinancing is available to existing FHA borrowers. Both are documented at VA.gov and HUD.gov respectively. Reduced closing costs on streamline transactions improve the breakeven calculation meaningfully.
5. Manage Your Debt-to-Income Ratio Before Applying
The Challenge It Solves
Debt-to-income ratio is one of the primary underwriting filters in mortgage qualification, and it is one of the few variables you can actively improve before submitting a formal application. Many borrowers discover their DTI is the binding constraint only after a denial — at which point the options are limited. Addressing DTI proactively gives you time to restructure before the clock starts.
The Strategy Explained
DTI is expressed in two components. Front-end DTI measures your proposed housing payment (principal, interest, taxes, insurance, and any HOA dues) divided by your gross monthly income. Back-end DTI adds all monthly debt obligations — housing plus car payments, student loans, credit cards, and other installment debt — divided by gross monthly income. Understanding how Virginia lenders calculate your borrowing power using these figures is essential before you apply.
Worked numerical example:
Gross monthly income: $8,000
Proposed monthly housing payment (PITI + HOA): $2,200
Front-end DTI: $2,200 ÷ $8,000 = 27.5%
Other monthly debts (car: $450, student loan: $300, credit card minimum: $150): $900
Back-end DTI: ($2,200 + $900) ÷ $8,000 = $3,100 ÷ $8,000 = 38.75%
DTI thresholds by loan program, based on published Fannie Mae Selling Guide, HUD Handbook 4000.1, and VA guidelines:
Conventional (Fannie Mae): Back-end DTI up to 45% standard; up to 50% with strong compensating factors per Fannie Mae Selling Guide (fanniemae.com).
FHA: Back-end DTI up to 43% standard; up to 50% with compensating factors per HUD Handbook 4000.1 (HUD.gov).
VA: No hard DTI cap; residual income requirement applies. VA underwriters evaluate disposable income after debts and housing costs.
USDA: Back-end DTI up to 41% standard; exceptions possible with compensating factors.
Non-QM / Bank Statement: DTI guidelines vary by product; some programs allow higher DTI ratios for well-qualified borrowers with strong assets or cash flow documentation.
Implementation Steps
1. Calculate your current back-end DTI using the formula above before contacting any lender. This tells you immediately whether you are within program thresholds or need to reduce debt first.
2. Identify which monthly obligations are payable within the next 6–12 months. Eliminating a car payment or paying down a credit card balance can reduce your back-end DTI by several percentage points.
3. Avoid opening new credit accounts or taking on new installment debt in the months before application. New obligations increase your back-end DTI and can also trigger a temporary credit score dip.
4. If you are self-employed in Richmond, Charlottesville, or elsewhere in Central Virginia and your tax returns show lower net income than your actual cash flow, explore bank statement loan programs. These programs use 12 or 24 months of bank deposits as the income basis, which often produces a more accurate and favorable income figure for DTI calculation.
Pro Tips
Co-borrower income is additive to the DTI calculation. Adding a qualifying co-borrower increases gross monthly income in the denominator, which reduces your DTI ratio. This is a legitimate and commonly used strategy when one borrower’s income alone produces a borderline DTI result.
6. Use Credit Restoration as a Mortgage Preparation Tool
The Challenge It Solves
Credit score is not just a qualification threshold — it is a pricing variable. The difference between a 680 and a 740 credit score on a conventional loan can translate to a meaningful rate difference. For borrowers currently below key thresholds, credit restoration is not a last resort. It is a planned preparation step that directly affects the cost of your mortgage for the next 30 years.
The Strategy Explained
Mortgage rate pricing is tiered by credit score. While exact rate adjustments vary by lender, loan type, and market conditions, the general pricing tiers that matter for conventional loan pricing are structured around these breakpoints: 620–639, 640–659, 660–679, 680–699, 700–719, 720–739, and 740+. Moving from one tier to the next typically produces a measurable rate improvement. Understanding your credit score requirements for a mortgage in Virginia helps you set a concrete target before beginning restoration work.
Credit restoration approaches fall into two timelines. Rapid rescore is a lender-facilitated process that can update your credit report within days when a verifiable error or a paid-off account has not yet been reflected. This is useful when you are close to a tier threshold and have a specific, documentable improvement ready to report. Long-term restoration involves disputing inaccuracies, managing utilization ratios, and allowing positive payment history to accumulate over months.
Per HUD guidelines, FHA loans remain accessible at credit scores as low as 500 with a 10% down payment, and at 580 with 3.5% down (Source: HUD.gov). This means borrowers turned down by banks, credit unions, and large retail lenders for credit score reasons often have a viable path through FHA or Non-QM programs while credit restoration work continues.
Implementation Steps
1. Pull all three credit bureau reports (Equifax, Experian, TransUnion) and review for inaccuracies. Disputed inaccuracies that are verified and removed can produce rapid score improvements.
2. Review credit card utilization ratios. Utilization above 30% of available credit on any card or in aggregate typically suppresses scores. Paying balances down before application can produce meaningful score movement relatively quickly.
3. Identify which credit score tier you currently occupy and calculate the point gap to the next tier. If you are at 695, you need 5 points to cross into the 700–719 tier. If you are at 715, you need 5 points to cross into the 720–739 tier. Quantify the target before beginning restoration work.
4. Ask your mortgage broker whether a rapid rescore is available once you have made verifiable improvements — paid a balance, had an error corrected, or had a collection resolved. This can compress a 30-to-60-day credit bureau update cycle into days.
Pro Tips
A borrower who spends 60–90 days on targeted credit restoration before applying — moving from, say, 659 to 680 — may save more over the life of the loan than the time cost of waiting. Run the rate comparison math from Strategy 2 using the rate tiers corresponding to each credit score band to quantify the value of the improvement before deciding whether to wait.
7. Close Faster by Understanding the Approval-to-Close Timeline
The Challenge It Solves
In competitive Central Virginia markets like Short Pump, Glen Allen, and Fredericksburg, speed matters. Sellers compare not just price but also the credibility and timeline of the financing. A buyer who can close in 21 days with a documented pre-approval is a materially different offer than a buyer who needs 45 days with a conditional pre-qualification from a centralized retail processing queue. Understanding the timeline and preparing your documentation in advance is a competitive advantage.
The Strategy Explained
The mortgage process follows a defined sequence of stages. Knowing what each stage requires and what can cause delays at each point allows you to move proactively rather than reactively.
Stage 1: Pre-Qualification. Soft-pull credit review, income and asset overview. Output: estimated loan amount and program eligibility. Timeline: same day to 24 hours.
Stage 2: Pre-Approval. Full credit pull, income documentation review, formal underwriting assessment. Output: pre-approval letter with specific loan amount. Timeline: 1–3 business days with complete documentation.
Stage 3: Contract. Executed purchase agreement triggers the formal loan application and locks the clock. Rate lock timing decisions happen here.
Stage 4: Appraisal. Ordered after contract execution. Timeline: typically 5–10 business days depending on appraiser availability. Streamline refinance pathways (VA IRRRL, FHA Streamline) bypass this stage.
Stage 5: Underwriting. Loan file reviewed for final approval. Common delay points: missing documentation, appraisal conditions, title issues. Timeline: 3–7 business days for initial review; conditions response adds time.
Stage 6: Clear to Close. All conditions satisfied. Closing Disclosure issued. Federal law requires a 3-business-day waiting period after Closing Disclosure delivery before closing can occur.
Stage 7: Closing. Final document signing, funding, and key transfer.
Implementation Steps
Assemble your mortgage document checklist before you begin the pre-approval process. Having these items ready eliminates the most common source of underwriting delays.
1. Two most recent pay stubs (W-2 employees) or 12–24 months of bank statements (self-employed borrowers)
2. Two most recent years of federal tax returns (all pages, all schedules)
3. Two most recent W-2s or 1099s
4. Two most recent months of bank statements for all accounts used for down payment and reserves
5. Government-issued photo ID
6. DD-214 or Certificate of Eligibility for VA loan borrowers
7. Landlord contact information or 12 months of cancelled rent checks if you are currently renting
Pro Tips
Broker-model lenders can often compress timelines compared to centralized retail processing operations because the loan officer maintains direct contact with the underwriter rather than routing through a call center queue. Lenders like Rocket Mortgage and large retail banks process volume through centralized systems that are efficient at scale but can add days during peak periods. When your offer is competing against others, a 7-day timeline difference can determine whether you get the house. Ask any lender you are considering for their average days-to-close figure and whether they have a direct underwriting contact for your file.
Your Implementation Roadmap
These seven strategies are most effective when sequenced deliberately rather than applied in isolation. Here is how to build them into a coherent process.
Start with Strategy 1: request a NoTouch Credit soft-pull pre-qualification to establish your credit baseline without score impact. Use those results to assess whether credit restoration work (Strategy 6) should run in parallel before you formalize anything.
Next, run Strategy 3 to map your loan program options. Your credit score, income type, property location, and veteran status will narrow the field quickly. Veterans should evaluate VA first. Rural Central Virginia buyers should check USDA eligibility at eligibility.sc.egov.usda.gov before assuming a down payment is required.
Once your program is identified, apply Strategy 2 and rate-shop across lenders. The rate comparison table in that section quantifies why this step matters. Use your DTI analysis from Strategy 5 to confirm you are within program thresholds before formal applications go out.
For refinance decisions, run the breakeven math from Strategy 4 before committing. The 37-month breakeven example is a template — substitute your own numbers and make the decision on math, not on the general idea that lower rates are always better.
Finally, use Strategy 7 to prepare your document package and understand the closing timeline. In Short Pump, Glen Allen, Fredericksburg, and other competitive submarkets, a prepared buyer with a credible pre-approval closes deals that unprepared buyers lose.
Central Virginia’s conforming loan limit at $806,500 means most purchases in Henrico, Chesterfield, Goochland, and the Richmond corridor stay within conventional financing reach. That is an advantage — but only if your credit profile, DTI, and program selection are aligned before you make an offer.
Learn more about our services and request your NoTouch Credit pre-qualification to start your mortgage process without impacting your credit score.
Frequently Asked Questions
What is the conforming loan limit for Central Virginia in 2026?
The FHFA-set conforming loan limit for single-family properties is $806,500 for 2025–2026. This applies throughout Central Virginia including Henrico, Chesterfield, Goochland, and the Richmond metro corridor. Source: FHFA.gov.
Does a mortgage pre-qualification hurt my credit score?
A soft-pull pre-qualification using VantageScore 4.0 does not impact your credit score. A hard-pull pre-approval does. The CFPB notes that multiple mortgage hard inquiries within a 14-to-45-day window are typically treated as a single inquiry by scoring models. Source: CFPB.gov.
What credit score do I need for an FHA loan in Virginia?
Per HUD guidelines, FHA loans require a minimum 580 credit score for a 3.5% down payment. Borrowers with credit scores between 500 and 579 may qualify with a 10% down payment. Source: HUD.gov.
Are there zero-down mortgage options in Central Virginia?
Yes. VA loans offer zero-down financing for eligible veterans and active-duty service members with no PMI requirement. USDA loans offer zero-down financing for properties in qualifying rural zones, including parts of Goochland, Louisa, Caroline County, and outlying Ashland areas. Verify current USDA eligibility at eligibility.sc.egov.usda.gov.
What is the difference between a mortgage broker and a direct lender?
A mortgage broker submits your loan file to multiple wholesale lenders and presents you with competing rate options. A direct or retail lender prices your loan from their own internal product shelf. Brokers with access to hundreds of lenders provide broader rate competition. Direct lenders including Rocket Mortgage, Movement Mortgage, CapCenter, and PrimeLending offer single-institution pricing. Neither model is inherently superior — the relevant question is how many lenders are competing for your loan.
How do I calculate my mortgage refinance breakeven point?
Divide your total estimated closing costs by your monthly payment savings. For example: $6,500 in closing costs divided by $176 in monthly savings equals 36.9 months. If you plan to remain in the home longer than that breakeven period, the refinance is mathematically favorable. If not, the costs exceed the savings.
What DTI ratio do I need to qualify for a mortgage?
Conventional loans (Fannie Mae) typically allow back-end DTI up to 45%, with exceptions to 50% for strong compensating factors. FHA allows up to 43% standard, with exceptions to 50%. VA loans have no hard DTI cap but apply a residual income test. Non-QM and bank statement programs vary by product and lender.
Can I get a mortgage in Virginia if I am self-employed?
Yes. Bank statement loan programs use 12 or 24 months of bank deposits as the income basis rather than tax returns. This is particularly relevant for self-employed borrowers in Richmond and Charlottesville whose tax returns reflect deductions that reduce reported net income below actual cash flow. DSCR loans are available for investment property purchases based on property cash flow rather than personal income.
This article is for educational purposes only and does not constitute a loan commitment, rate quote, or offer to lend. Loan programs, rates, and guidelines are subject to change. All rate and payment examples are illustrative only. Actual terms depend on credit profile, property type, loan-to-value ratio, and market conditions at time of application. USDA eligibility boundaries are subject to change; verify current maps before application. Cash-out refinance to 90% LTV applies to specific program types only; not all loan types permit this feature. Verify current program guidelines at time of application.
Duane Buziak, Mortgage Maestro | NMLS: 1110647 | Licensed in VA · FL · TN · GA | VA Broker of the Year 2024–2025 | Top 1% Nationwide | Coast2Coast Mortgage | DuaneBuziakMortgageMaestro.com | (804) 212-8663
