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Home Equity Loan Specialists in Herndon, VA

Compare home equity loan specialists in Herndon. Review contact information and insurance categorys before you decide.

2 agents listed
Updated June 2026
Herndon, VA
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the State Mortgage Licensing Authority of Virginia before hiring.
Showing 2 home equity loan specialists in Herndon, VA Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Churchill Mortgage - Herndon
505 Huntmar Park Dr Ste 250, Herndon, VA 20170
(703) 481-2291 churchillmortgage.com
Home Financial Corporation
459 Herndon Pkwy STE 16, Herndon, VA 20170
(703) 456-0032 homefinancialcorp.com

A home equity loan specialist in Herndon Virginia helps homeowners access the equity in their property through a second mortgage or home equity line of credit. Virginia law requires lenders to follow specific disclosure rules under the Virginia Consumer Protection Act. Herndon residents often use these loans for home improvements debt consolidation or major expenses.

What Does a Home Equity Loan Specialist in Herndon Cost?

Typical costs for a home equity loan specialist in Virginia include an origination fee of 0.5 to 1.5 percent of the loan amount, appraisal fees from 300 to 600 dollars, and closing costs of 500 to 1,500 dollars. Some lenders charge annual fees for home equity lines of credit. These costs vary by lender and loan type. This is general information and not mortgage or financial advice.

* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.

Frequently Asked Questions

What does a home equity loan specialist in Herndon do?
A home equity loan specialist guides you through the process of borrowing against your home equity. They help you compare loan options explain Virginia disclosure requirements and assist with the application and closing process.
What are the Virginia legal requirements for home equity loans?
Virginia law requires lenders to provide a Truth in Lending disclosure and a right of rescission within three business days for most home equity loans. The loan must also comply with Virginia usury laws which cap interest rates at 12 percent unless a written contract specifies a higher rate.
How much equity do I need for a home equity loan in Virginia?
Most lenders require you to have at least 15 to 20 percent equity in your home. This means your loan balance plus the new loan cannot exceed 80 to 85 percent of your propertys appraised value.

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