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Find VA Loan Specialists Near You in Charlottesville, VA

Looking for a va loan specialist in Charlottesville? Review the directory below to compare your options.

20 agents listed
Updated June 2026
Charlottesville, 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 20 va loan specialists 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.
Jenna Stiltner - Atlantic Coast Mortgage
1415 Rolkin Ct Suite 302, Charlottesville, VA 22911
(434) 531-0719 atlanticcoastmortgage.com
Atlantic Coast Mortgage - Charlottesville
1415 Rolkin Ct Suite 302, Charlottesville, VA 22911
(434) 446-1800 atlanticcoastmortgage.com
Whit Douglas at First Heritage Mortgage, LLC
404 People Pl STE 303, Charlottesville, VA 22911
(434) 227-5101 fhmtg.com
Ryan Schuett at Prosperity Home Mortgage - Charlottesville
350 Old Ivy Way SUITE 200, Charlottesville, VA 22903
(434) 422-7457 ryanschuett.phmloans.com
Todd Jenkins - Gray Fox Mortgage, LLC
1135 Rose Hill Dr, Charlottesville, VA 22903
(434) 987-6273 grayfoxmortgage.com
Crown Mortgage
2019 Woodbrook Ct Suite 5, Charlottesville, VA 22901
(434) 975-5626 crownmortgage.com
Guild Mortgage - Katie Shiers
1939 Commonwealth Dr, Charlottesville, VA 22901
(434) 260-0421 branches.guildmortgage.com
Ben Aliff at First Heritage Mortgage
404 People Pl STE 303, Charlottesville, VA 22911
(434) 996-0016 fhmtg.com
Jay Domenic Loan Officer with Towne Mortgage
1100 Dryden Ln, Charlottesville, VA 22903
(434) 220-7630 townemortgage.us
First Heritage Mortgage, LLC - Charlottesville
404 People Pl STE 303, Charlottesville, VA 22911
(434) 227-5100 fhmtg.com
Carleton Garrett
700 Harris St Suite 204, Charlottesville, VA 22903
(434) 466-3393 movement.com
Moe Barros-MBS Mortgage
1 Boars Head Pointe #120, Charlottesville, VA 22903
(434) 305-2278 mbsmortgages.com
Mahone Mortgage
685 Berkmar Ct, Charlottesville, VA 22901
(434) 293-5200 mahonemortgage.com
Homestead Funding Corp: Patricia I Madison | NMLS# 162252
300 E Main St Office 223, Charlottesville, VA 22902
(917) 559-3659 homesteadfunding.com
C&F Mortgage Corp
3920 Lenox Ave, Charlottesville, VA 22901
(434) 974-1450 cfmortgagecorp.com
Evan Hansen at First Heritage Mortgage
404 People Pl STE 303, Charlottesville, VA 22911
(434) 409-0779 fhmtg.com
Homestead Funding Corp. – Charlottesville
300 W Main St, Charlottesville, VA 22902
(917) 559-3659 homesteadfunding.com
Guild Mortgage - Kat Whindleton
1939 Commonwealth Dr, Charlottesville, VA 22901
(434) 218-5505 branches.guildmortgage.com
Guild Mortgage Company
1939 Commonwealth Dr, Charlottesville, VA 22901
(434) 327-5166 branches.guildmortgage.com
Embrace Home Loans - Charlottesville, VA
2300 Commonwealth Dr Suite 202, Charlottesville, VA 22901
(434) 529-2075 embracehomeloans.com

A VA loan specialist in Charlottesville Virginia helps veterans and active duty service members navigate the VA home loan process. Virginia law requires lenders to provide clear disclosures about loan terms and fees. Charlottesville has a competitive housing market so working with a specialist can help you understand local property values and VA appraisal requirements.

What Does a VA Loan Specialist in Charlottesville Cost?

VA loan specialists in Virginia typically charge a flat fee or an hourly rate. Flat fees range from 500 to 1500 dollars for full service. Hourly rates are usually 100 to 250 dollars per hour. Some specialists offer a free initial consultation. Costs vary based on the complexity of your loan and the services provided. 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 does a VA loan specialist do in Charlottesville?
A VA loan specialist guides you through the VA home loan process from pre approval to closing. They help you understand your Certificate of Eligibility and connect you with lenders who offer VA loans. They also explain Virginia specific rules like the state property tax exemption for disabled veterans.
Do I need a VA loan specialist if I already have a lender?
You do not need a specialist but they can simplify the process. A specialist knows Virginia laws such as the requirement for a termite inspection in certain areas. They can also help you compare lender fees and negotiate seller concessions allowed under VA rules.

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