FHA loans remain one of the most accessible mortgage paths for homebuyers across Virginia, from Richmond and Chesterfield to Virginia Beach and Roanoke. Backed by the Federal Housing Administration and governed by HUD guidelines at hud.gov, these loans allow borrowers with credit scores as low as 500 to qualify for financing with down payments as low as 3.5%. But accessible does not mean automatic.
Understanding the specific requirements before you apply is the difference between a smooth pre-approval and a frustrating delay. Many Virginia homebuyers walk into the FHA process assuming their bank or credit union has the full picture, only to discover that lender overlays, single-channel limitations, and documentation gaps have quietly disqualified them from the best terms, or from approval altogether.
This article breaks down the 7 core FHA loan requirements in plain language, covering credit scores, down payments, debt-to-income ratios, property standards, mortgage insurance, loan limits, and employment history. Each section includes worked math examples, comparison tables, and direct answers to the questions Virginia homebuyers ask most.
Whether you’re exploring your first home in Midlothian, upgrading in Glen Allen, or buying near Fredericksburg, this guide gives you the factual foundation to approach your FHA application with confidence. Use it as your pre-application checklist before you ever speak to a lender.
Article authored by Duane Buziak, Mortgage Maestro | NMLS #1110647 | Licensed in VA, FL, TN, GA
1. Credit Score Minimums: The 500 and 580 Thresholds Explained
The Challenge It Solves
Credit score confusion is one of the most common reasons Virginia homebuyers either delay applying or get surprised at the closing table. Many borrowers have heard “you need a 620 to buy a home,” and that number gets repeated so often it feels like official policy. It is not. The official policy comes from HUD, and it draws a very different line.
The Strategy Explained
Per HUD Handbook 4000.1, the FHA Single Family Housing Policy Handbook establishes a two-tier credit score structure:
580 or above: Eligible for the minimum 3.5% down payment.
500 to 579: Eligible for FHA financing, but requires a 10% down payment.
Below 500: Not eligible for FHA-insured financing under current HUD guidelines.
Here is where it gets important for Virginia homebuyers: HUD sets the floor, but individual lenders can set their own higher minimums, called lender overlays. Many retail lenders, including large national names, require a 620 or even 640 minimum credit score on FHA loans, even though HUD allows 500. This is a business decision by the lender, not a federal requirement.
Implementation Steps
1. Know your actual score before you apply. Use a soft-pull pre-qualification (more on that below) to check your Vantage Score 4.0 without triggering a hard inquiry on your credit report.
2. Identify which credit tier you fall into: the 580+ tier for 3.5% down, or the 500-579 tier for 10% down. This directly determines how much cash you need at closing.
3. If your score sits between 500 and 619, work with a broker who has access to wholesale lenders that honor HUD’s actual guidelines rather than imposing overlays. Understanding your credit score for mortgage qualification is the essential first step before shopping lenders.
Lender Overlay Comparison Table
HUD Official Minimum: 500 (with 10% down) | 580 (with 3.5% down)
Rocket Mortgage (retail): Typically 580+ minimum reported by borrowers
Movement Mortgage (retail): Overlay minimums commonly 580-620
PrimeLending (retail): Overlay minimums commonly 580-620
Banks and Credit Unions: Often 620+ due to single-channel limitations
Better Mortgage Rates (wholesale broker): Access to lenders honoring HUD’s 500 minimum through multi-lender wholesale channel
Pro Tips
The NoTouch Credit soft pull pre-qualification uses Vantage Score 4.0 and does not generate a hard inquiry, meaning your credit score is not affected during early exploration. Learning how to shop rates with a soft credit pull is particularly valuable if your score is near a threshold, because a hard pull at the wrong moment can push you from one tier to another. Check your position first, then apply.
2. Down Payment Requirements and How to Calculate Yours
The Challenge It Solves
Down payment confusion causes more deal delays than almost any other factor. Virginia homebuyers often underestimate or overestimate how much cash they need at closing, and the FHA’s two-tier structure means your credit score directly determines your down payment minimum. Getting this calculation wrong early derails timelines and budgets.
The Strategy Explained
The FHA down payment requirement is straightforward once you know which credit tier you occupy. The 3.5% minimum applies to borrowers with scores of 580 or above. The 10% minimum applies to borrowers with scores between 500 and 579. Down payment funds can come from personal savings, gifts from family members, or eligible assistance programs, subject to FHA guidelines.
The worked math below uses real Virginia market price points to make this concrete.
Worked Down Payment Math
$350,000 purchase (580+ score): $350,000 × 3.5% = $12,250 down payment
$350,000 purchase (500-579 score): $350,000 × 10% = $35,000 down payment
$390,000 purchase (580+ score): $390,000 × 3.5% = $13,650 down payment
$430,000 purchase (580+ score): $430,000 × 3.5% = $15,050 down payment
Note: The $390,000 to $430,000 range reflects the approximate median home price range commonly reported for Henrico County. Verify current pricing with a local real estate professional.
Tiered Down Payment Table by Virginia Purchase Price
$250,000 purchase | 580+ score: $8,750 down | 500-579 score: $25,000 down
$300,000 purchase | 580+ score: $10,500 down | 500-579 score: $30,000 down
$350,000 purchase | 580+ score: $12,250 down | 500-579 score: $35,000 down
$400,000 purchase | 580+ score: $14,000 down | 500-579 score: $40,000 down
$450,000 purchase | 580+ score: $15,750 down | 500-579 score: $45,000 down
$500,000 purchase | 580+ score: $17,500 down | 500-579 score: $50,000 down
Implementation Steps
1. Confirm your credit tier using a soft-pull pre-qualification before calculating your down payment target, because the difference between 3.5% and 10% is substantial in Virginia’s current market.
2. Account for closing costs separately. Down payment and closing costs are distinct line items. FHA closing costs typically run 2% to 5% of the loan amount and are not included in your down payment figure.
3. If closing costs are a barrier, ask about seller concessions. FHA allows sellers to contribute up to 6% of the sales price toward buyer closing costs, per HUD Handbook 4000.1. Virginia homebuyers who qualify may also benefit from first home buyer assistance programs that can meaningfully reduce your cash-to-close requirement.
Pro Tips
Gift funds are permitted under FHA guidelines, but they must be properly documented with a gift letter and sourced funds trail. If a family member is helping with your down payment, start that paperwork early. Lenders will require documentation showing the funds are a gift, not a loan, before they can be counted toward your minimum down payment. Borrowers who cannot cover the full down payment from savings should also explore zero down payment loan alternatives to understand all available options.
3. Debt-to-Income Ratio Limits and How Lenders Calculate Them
The Challenge It Solves
DTI is the number that quietly disqualifies more borrowers than any other single factor. Homebuyers focus on credit scores and down payments while overlooking how their monthly debt load affects what they can borrow. Understanding DTI before you apply lets you make adjustments, not apologies.
The Strategy Explained
Per HUD Handbook 4000.1, FHA uses a two-ratio DTI standard:
Front-end DTI (housing ratio): Your proposed monthly housing payment (principal, interest, taxes, insurance, and MIP) divided by your gross monthly income. FHA’s standard guideline is 31% or below.
Back-end DTI (total debt ratio): All monthly debt obligations (housing payment plus car loans, student loans, credit card minimums, etc.) divided by gross monthly income. FHA’s standard guideline is 43% or below.
With documented compensating factors, HUD allows back-end DTI up to 50%. Compensating factors include significant cash reserves, minimal payment shock from current housing cost, or a demonstrated history of managing similar debt loads. For a deeper look at how Virginia lenders evaluate your borrowing power, see this guide on debt to income ratio mortgage calculations.
Worked DTI Calculation
Scenario: Virginia borrower, gross monthly income of $5,000
Monthly debts: $400 car payment + $150 student loan = $550 total recurring debt
Proposed monthly PITI (principal, interest, taxes, insurance): $1,500
Front-end DTI: $1,500 ÷ $5,000 = 30% ✅ (under the 31% guideline)
Back-end DTI: ($1,500 + $550) ÷ $5,000 = $2,050 ÷ $5,000 = 41% ✅ (under the 43% guideline)
This borrower qualifies under standard FHA DTI guidelines. If the back-end DTI had come in at 47%, the lender would need to document a compensating factor to support approval.
Implementation Steps
1. Calculate your own DTI before applying. Add up all monthly minimum debt payments, then divide by your gross (pre-tax) monthly income. This gives you your current back-end DTI without a housing payment included.
2. Estimate your proposed housing payment including taxes, insurance, and MIP, then recalculate both ratios. If your back-end DTI exceeds 43%, identify which debts could be paid down or off before application to bring the ratio within guidelines.
3. If your DTI is elevated, ask your loan officer about compensating factors. Cash reserves of three to six months of mortgage payments documented in a bank account can support approval even with a higher DTI under FHA guidelines.
Pro Tips
Do not close credit card accounts to “improve” your profile before applying. Closing accounts can actually reduce your available credit and increase your utilization ratio, which may lower your score. Instead, pay balances down without closing the accounts, and let your loan officer guide the sequencing of any payoffs.
4. FHA Loan Limits by Virginia County: 2025 Figures
The Challenge It Solves
FHA loan limits cap how much you can borrow under FHA insurance. In many Virginia markets, the gap between the FHA limit and current home prices is real, and knowing your county’s specific limit before you start shopping prevents you from falling in love with a property that FHA simply cannot finance.
The Strategy Explained
HUD publishes FHA loan limits annually by county. For 2025, the FHA floor for a single-family property in most U.S. markets is $524,225. This is the baseline limit that applies to standard-cost counties. You can verify current limits directly at HUD’s official mortgage limits page.
For context, the 2025 conforming loan limit set by FHFA is $806,500 for most markets (Source: fhfa.gov). FHA limits are separate from conforming limits and are typically lower in standard-cost counties.
2025 FHA Single-Family Loan Limit Reference Table (Key Virginia Markets)
Richmond City: Verify at hud.gov — standard floor applies in most Richmond-area counties
Chesterfield County: Verify at hud.gov — confirm whether high-cost adjustment applies
Henrico County: Verify at hud.gov — Richmond MSA designation may affect limit
Virginia Beach / Hampton Roads: Verify at hud.gov — coastal MSA may carry adjusted limits
Fredericksburg / Spotsylvania / Stafford: Verify at hud.gov — Fredericksburg MSA designation
Charlottesville / Albemarle: Verify at hud.gov — university market may carry adjusted limits
Roanoke / Lynchburg: Verify at hud.gov — standard floor typically applies
Note: FHA limits are updated annually and can change. Always confirm the current limit for your specific county at hud.gov before relying on any published figure.
Implementation Steps
1. Look up your specific county’s FHA limit at HUD’s official tool before you begin home shopping. This takes less than two minutes and prevents wasted time on properties outside FHA’s reach.
2. If your target purchase price exceeds the FHA limit for your county, explore alternatives: conventional financing, jumbo loan options, or a larger down payment to bring the loan amount within the FHA ceiling. Virginia buyers in higher-priced markets should review jumbo loan rates in Virginia as a potential alternative when FHA limits fall short.
3. If you are buying in a market where FHA limits are tight relative to prices, ask about conventional financing with lower down payment options. Conventional loans with private mortgage insurance can sometimes compete with FHA, particularly for borrowers with stronger credit profiles.
Pro Tips
FHA limits apply to the loan amount, not the purchase price. If you are purchasing a $550,000 home in a county with a $524,225 FHA limit, you could potentially make a larger down payment to bring the loan amount below the ceiling. Run the math with your loan officer before assuming FHA is off the table.
5. FHA Mortgage Insurance Premiums: Upfront and Annual Costs Fully Explained
The Challenge It Solves
Mortgage insurance is the cost borrowers pay for the privilege of a low down payment, and it is frequently misunderstood, underestimated, or buried in fine print. FHA’s mortgage insurance structure is different from conventional PMI in ways that matter significantly over the life of a loan. Understanding the full cost before you commit is essential.
The Strategy Explained
FHA mortgage insurance comes in two forms, per current HUD guidance:
Upfront Mortgage Insurance Premium (UFMIP): 1.75% of the base loan amount, paid at closing or financed into the loan balance.
Annual Mortgage Insurance Premium (MIP): For most 30-year FHA loans with LTV above 90%, the annual MIP rate is 0.55% of the loan balance as of 2025, per HUD Mortgagee Letter guidance. This is divided into 12 monthly payments.
MIP Duration: For FHA loans originated after June 3, 2013 with less than 10% down, MIP applies for the life of the loan. With 10% or more down, MIP cancels after 11 years. (Source: HUD Mortgagee Letter 2013-04)
Worked MIP Math: $350,000 Base Loan
UFMIP Calculation:
$350,000 × 1.75% = $6,125 UFMIP
If financed into the loan: New loan balance = $350,000 + $6,125 = $356,125
Annual MIP Calculation:
$350,000 × 0.55% = $1,925 per year
Monthly MIP: $1,925 ÷ 12 = $160.42 per month
Rate Payment Table: FHA vs. Conventional at $350,000 Loan Amount
FHA 30-Year (580+ score, 3.5% down):
Base loan: $350,000 | UFMIP financed: $356,125 | Monthly MIP: $160.42 | Total monthly cost includes P&I on $356,125 plus $160.42 MIP plus taxes and insurance
Conventional 30-Year (5% down, 680+ score):
Base loan: $350,000 | No UFMIP | PMI rate varies by provider and credit score, typically cancels when LTV reaches 80% | Total monthly cost includes P&I on $350,000 plus PMI plus taxes and insurance
Breakeven Analysis: FHA MIP vs. Conventional PMI
The key structural difference is permanence. FHA MIP at less than 10% down stays for the life of the loan. Conventional PMI cancels automatically when your loan balance reaches 80% of the original appraised value. Virginia borrowers weighing these two paths should review a detailed FHA vs conventional loan comparison before committing to a program.
Worked Breakeven Scenario:
FHA monthly MIP: $160.42 (permanent if less than 10% down)
If conventional PMI on a comparable loan is, for example, $120 per month and cancels in year 9 when LTV hits 80%, the cumulative MIP cost on the FHA loan continues past that point while the conventional loan’s PMI obligation ends.
Over 10 years: FHA MIP = approximately $19,250 in cumulative MIP payments (not accounting for balance reduction)
Breakeven point: Once the conventional loan’s PMI cancels, the monthly payment advantage shifts to conventional. The longer you hold the loan, the more the permanent FHA MIP costs relative to cancellable PMI.
This analysis is illustrative. Actual PMI rates vary by lender, credit score, and LTV. Ask your loan officer to run a side-by-side comparison with current PMI quotes for your specific profile.
Implementation Steps
1. Calculate your UFMIP and decide whether to finance it or pay it at closing. Financing adds it to your loan balance and you pay interest on it over the life of the loan. Paying at closing costs more upfront but reduces your long-term interest expense.
2. Add your monthly MIP to your total housing payment estimate before determining how much home you can afford. Many borrowers overlook MIP in their initial budget calculations. A mortgage payment calculator can help you model the full monthly cost including MIP before you commit.
3. Ask your loan officer to run a breakeven comparison between FHA and conventional financing for your specific credit profile, down payment, and expected hold period. If you plan to stay in the home long-term and your score qualifies for competitive conventional terms, the math may favor conventional.
Pro Tips
If your score is in the 620 to 680 range, the comparison between FHA and conventional becomes particularly interesting. Conventional PMI that cancels at 80% LTV can ultimately cost less over time than permanent FHA MIP. Run both scenarios before deciding which program fits your situation.
6. Property Standards and FHA Appraisal Requirements
The Challenge It Solves
Virginia has a rich inventory of older homes, particularly in Richmond, Fredericksburg, and the Hampton Roads area. Older properties often have deferred maintenance, outdated systems, or structural issues that can trigger FHA appraisal conditions. Understanding what FHA appraisers look for in advance helps you negotiate smarter and avoid surprises that delay or kill deals.
The Strategy Explained
HUD Minimum Property Standards (MPS), documented in HUD Handbook 4000.1, Chapter 1.b, require that FHA-financed properties meet baseline standards for safety, soundness, and security. The FHA appraiser evaluates both market value and property condition simultaneously, which is different from conventional appraisals that focus primarily on value. Virginia homebuyers can learn more about what to expect in this guide on appraisals for mortgage financing.
Common FHA appraisal conditions in Virginia’s older housing stock include:
Roof condition: Roofs with less than two years of remaining useful life typically require repair or replacement as a condition of FHA financing.
Peeling paint: Homes built before 1978 with peeling or chipping paint trigger lead-based paint protocols under FHA guidelines. This is particularly relevant in Richmond’s historic neighborhoods.
HVAC systems: Non-functioning heating or cooling systems must be operational before FHA financing can close.
Structural integrity: Foundation issues, significant water intrusion, or evidence of structural compromise will generate appraisal conditions requiring remediation.
Electrical and plumbing: Exposed wiring, non-functional outlets, or plumbing systems with active leaks are common FHA condition flags.
Implementation Steps
1. Before making an offer on an older Virginia property, walk through it with an eye toward the common FHA condition flags listed above. A pre-offer inspection, even informal, can help you anticipate appraisal issues before they become contract problems.
2. Negotiate seller concessions to cover required repairs. FHA allows sellers to contribute up to 6% of the sales price toward buyer costs, per HUD Handbook 4000.1. This can include funds earmarked for repairs required by the FHA appraiser.
3. If the property needs significant renovation, explore the FHA 203(k) loan program, which allows buyers to finance both the purchase price and renovation costs in a single FHA-insured loan. This is a powerful tool for Virginia buyers interested in older homes that need work.
Pro Tips
FHA appraisal conditions are not automatic deal-killers. Many can be resolved through seller negotiations, repair escrows, or price adjustments. The key is identifying potential issues before the appraisal is ordered, not after. A loan officer experienced with FHA in Virginia’s specific housing markets can help you anticipate what appraisers in your area commonly flag.
7. Employment History, Income Documentation, and What Happens After a Bank Turndown
The Challenge It Solves
Getting denied by a bank or credit union is not the end of the road. It is often just the beginning of finding the right lender. FHA income documentation requirements trip up self-employed borrowers, commission-based earners, and anyone with a non-linear employment history. Understanding what FHA requires, and where alternatives exist, keeps your homeownership path open.
The Strategy Explained
Per HUD Handbook 4000.1, FHA requires a two-year employment history to establish income stability. This does not mean you must have worked for the same employer for two years. What matters is continuity of income over a two-year period. Job changes within the same field, promotions, or transitions between employers in the same industry are generally acceptable with proper documentation.
For self-employed borrowers, FHA requires two years of self-employment history documented through federal tax returns, a current year-to-date profit and loss statement, and business bank statements in some cases. The income figure used for qualification is typically based on net income after business expenses, which can be significantly lower than gross revenue. Self-employed Virginia borrowers who face challenges with traditional documentation should explore alternative income verification loan options available through wholesale lenders.
When a bank or credit union declines an FHA application, it is often because their single lending channel cannot accommodate the borrower’s profile. A wholesale mortgage broker with access to hundreds of lenders can often find an investor willing to approve the same file under FHA guidelines or through alternative income verification programs.
Income Documentation Comparison Table
W-2 Employee (standard): Two years W-2s, most recent 30 days paystubs, verbal verification of employment
Self-Employed Borrower: Two years personal and business tax returns, YTD P&L, business bank statements
Commission-Based Income: Two years tax returns showing commission income, employer verification of commission structure
Bank Statement Loan (non-QM): 12-24 months personal or business bank statements; no tax returns required; available through select wholesale lenders when FHA does not fit
Competitor Comparison: Single-Channel vs. Multi-Lender Access
Bank or Credit Union: One lending channel, proprietary underwriting guidelines, limited flexibility for non-standard income profiles, typically cannot pivot to non-QM when FHA declines
Retail Lender (Rocket Mortgage, Movement Mortgage, PrimeLending, etc.): Broader product set than banks but still limited to their own investor relationships, lender overlays commonly restrict access for 500-579 score borrowers
Better Mortgage Rates (wholesale broker): Shops hundreds of wholesale lenders simultaneously, accesses FHA lenders honoring HUD’s 500 minimum, pivots to non-QM mortgage or bank statement loan programs when traditional FHA does not fit, no hard credit pull during pre-qualification phase
Implementation Steps
1. Gather your two-year employment and income documentation before you begin the application process. For W-2 employees, this means two years of W-2s and recent paystubs. For self-employed borrowers, this means two years of complete federal tax returns, both personal and business.
2. If you have been declined by a bank or credit union, request the specific reason for the denial in writing. Understanding whether the decline was credit-based, income-based, or property-based helps you identify which type of lender or loan program to pursue next.
3. Work with a broker who can access the wholesale market and non-QM lenders. A bank turndown on an FHA application does not mean you cannot buy a home. It often means the first lender’s box was too small for your profile.
Pro Tips
Speed matters in Virginia’s competitive real estate markets. One structural advantage of working with a multi-lender wholesale broker is faster access to lenders with streamlined underwriting processes. When multiple offers are competing on a property in Richmond, Chesterfield, or Virginia Beach, a faster close timeline can be a meaningful differentiator in your offer’s appeal to sellers.
Your FHA Pre-Application Roadmap
FHA loans are a powerful tool for Virginia homebuyers, but preparation is everything. Knowing your credit tier, your DTI, and your county’s loan limit before you apply saves time, protects your credit, and positions you for a smoother transaction from offer to closing.
Quick-Reference FHA Requirements Checklist
1. Credit Score: 580+ for 3.5% down | 500-579 for 10% down | Below 500 is ineligible
2. Down Payment: 3.5% (580+ score) or 10% (500-579 score) of purchase price
3. Debt-to-Income Ratio: Front-end 31% or below | Back-end 43% or below (up to 50% with compensating factors)
4. Loan Limits: 2025 FHA floor is $524,225 for most Virginia counties | Verify your county at hud.gov
5. Mortgage Insurance: UFMIP 1.75% upfront | Annual MIP 0.55% (0.55% ÷ 12 = monthly payment) | Permanent if less than 10% down
6. Property Standards: Must meet HUD Minimum Property Standards | FHA appraiser evaluates condition and value | 203(k) available for renovation financing
7. Employment History: Two-year income history required | Self-employed borrowers need two years of tax returns | Bank turndowns can often be recovered through wholesale lender access
The NoTouch Credit soft pull pre-qualification uses Vantage Score 4.0 and does not generate a hard inquiry on your credit report. This means you can check your eligibility, understand your credit tier, and get a clear picture of your FHA qualification profile without any impact to your score. That is where every Virginia homebuyer should start.
Better Mortgage Rates shops hundreds of lenders simultaneously, including wholesale lenders who honor HUD’s 500 credit score minimum, lenders who work with self-employed and non-traditional income borrowers, and non-QM programs for borrowers whose profiles fall outside the conventional FHA box. This is a structural difference from what a bank, credit union, or single-channel retail lender can offer.
To explore your options, start with a no-impact soft pull pre-qualification or reach out directly to discuss your specific situation. Learn more about our services and take the first step toward your Virginia home purchase with clear information and a trusted guide in your corner.
Frequently Asked Questions
Q: Can I get an FHA loan with a 550 credit score in Virginia?
A: Yes, under HUD’s official guidelines (HUD Handbook 4000.1), borrowers with scores between 500 and 579 are eligible for FHA financing with a 10% down payment. However, many retail lenders impose overlays requiring 580 or 620 minimum scores. Working with a wholesale broker who accesses multiple lenders increases your chances of finding an investor who honors HUD’s actual minimum.
Q: What is the FHA loan limit in Richmond, Virginia for 2025?
A: The 2025 FHA floor for most Virginia counties is $524,225 for a single-family property. Verify the specific limit for your county at hud.gov’s mortgage limits page, as MSA designations can affect the applicable limit.
Q: Does FHA mortgage insurance ever go away?
A: For FHA loans originated after June 3, 2013 with less than 10% down, MIP applies for the life of the loan. With 10% or more down, MIP cancels after 11 years. (Source: HUD Mortgagee Letter 2013-04.) This is a key distinction from conventional PMI, which cancels at 80% LTV.
Q: What is the NoTouch Credit pre-qualification?
A: NoTouch Credit uses a Vantage Score 4.0 soft pull to check your credit profile without generating a hard inquiry. Your credit score is not affected. This allows you to understand your FHA eligibility tier before formally applying, protecting your score during the exploration phase.
Q: I was turned down by my bank for an FHA loan. What are my options?
A: A bank decline is not a final answer. Banks and credit unions typically operate through a single lending channel with proprietary overlays. A wholesale mortgage broker with access to hundreds of lenders can often find an investor who approves the same file, or pivot to a non-QM or alternative income verification program when standard FHA does not fit your profile.
This article is for educational purposes only and does not constitute financial or legal advice. Loan programs, rates, and requirements are subject to change without notice. All loans subject to credit approval, income verification, and property eligibility. FHA loan products are not offered by or on behalf of HUD or FHA. Equal Housing Lender.
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
