Mortgage Lenders in Charlottesville, VA
Directory of mortgage lenders in Charlottesville, Virginia. Verify credentials with the state state mortgage licensing authority before hiring.
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 20 mortgage lenders in Charlottesville, 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.
Charlottesville home buyers and refinancing homeowners can work with local mortgage lenders to secure financing for their property. Virginia law requires lenders to provide a Loan Estimate within three business days of application. Many lenders in Charlottesville offer conventional, FHA, VA, and USDA loans tailored to the local market.
What Does a Mortgage Lender in Charlottesville Cost?
Typical mortgage lender costs in Virginia include an origination fee of 0.5% to 1% of the loan amount, an appraisal fee of $400 to $700, and a credit report fee of $30 to $50. Closing costs in Charlottesville often total 2% to 5% of the purchase price. This is general information, 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 documents do I need to apply for a mortgage in Charlottesville?
You typically need pay stubs, W-2 forms, tax returns, bank statements, and photo ID. Virginia lenders also require a signed purchase agreement and proof of homeowners insurance.
How long does the mortgage process take in Virginia?
The process usually takes 30 to 45 days from application to closing. Virginia law does not set a specific timeline, but lenders must provide a Loan Estimate within three business days of receiving your application.
Are there first time home buyer programs in Virginia?
Yes, Virginia Housing offers down payment assistance and low interest loans for first time buyers. These programs have income and purchase price limits that vary by county including Charlottesville.