First-time home buyers in Virginia

You do not need to know all the mortgage words before you start.

A good first conversation should leave you clearer, not more confused. We will look at what you can comfortably afford, what cash you need, and what loan options fit your situation.

What we figure out first

• A monthly payment that feels realistic, including taxes, insurance, and any mortgage insurance.
• Whether FHA, conventional, VA, USDA, or a qualifying assistance program deserves a closer look.
• What a real pre-approval would require and what needs attention before you shop.

What to bring to a first mortgage conversation

You do not need a perfect file to call. A rough income picture, your debts, the cash you expect to use, and your timeline are enough to start talking. When you are ready for pre-approval, you will typically provide documents such as income, asset, and identification records.

The best first step

Do not start with the maximum number someone says you can borrow. Start with the payment that lets you still live your life. Then we build outward from there.