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Looking for a mortgage lender in Herndon? Review the directory below to compare your options.
6 agents listed
Updated May 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 Virginia before hiring.
Showing 6 mortgage lenders 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.
Mortgage lenders in Herndon Virginia help home buyers and homeowners secure financing for home purchases and refinances. Virginia law requires lenders to be licensed through the Virginia State Corporation Commission. Herndon residents often work with lenders who understand the local real estate market and Northern Virginia home values.
What Does a Mortgage Lender in Herndon Cost?
Typical costs for a mortgage lender in Virginia include an origination fee of 0.5 to 1 percent of the loan amount, appraisal fees of 400 to 700 dollars, and title insurance fees of 500 to 1,500 dollars. Closing costs in Northern Virginia often total 2 to 5 percent of the purchase price. Virginia also charges a state recordation tax of 25 cents per 100 dollars of the loan amount. 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 Herndon Virginia?
You typically need pay stubs, tax returns, bank statements, and photo identification. Virginia lenders also require a valid Social Security number and proof of residency. Self-employed borrowers may need additional profit and loss statements.
How long does the mortgage process take in Virginia?
The mortgage process in Virginia usually takes 30 to 45 days from application to closing. Virginia law requires a three business day right of rescission for refinances. Delays can occur if appraisals or title work take longer than expected.
Are there Virginia specific programs for first time home buyers?
Yes, the Virginia Housing Development Authority offers down payment assistance and favorable loan terms for first time buyers in Herndon. These programs have income and purchase price limits. Borrowers must complete a home buyer education course approved by the state.
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BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the Virginia.