Warrenton & Fauquier County, Virginia

Mortgage guidance that feels local, clear, and personal.

Buying in Warrenton or Fauquier County should not mean chasing down answers or trying to decode mortgage language on your own. I will help you understand your real options before you make an offer.

A lender you can actually reach

Your mortgage is too important for radio silence. I am available to walk through a payment, a pre-approval, or an offer deadline when it matters. We can meet by Zoom, talk by phone, or arrange an appointment at my Warrenton office at 6635 Electric Avenue.

Numbers that match the home you are considering

A purchase in Fauquier County can come with questions that are easy to miss in a quick online estimate: property taxes, homeowners insurance, acreage, wells or septic systems, HOA dues, and the type of property itself. Before you move forward, we will look at the entire payment and cash-to-close picture.

For first-time buyers and move-up buyers

First-time buyers deserve an explanation of every option, not a rushed sales pitch. Current homeowners deserve a plan that takes their existing home and timing into account. In either case, I will explain FHA, conventional, VA, USDA for eligible properties, and other available options in normal language.

What we will cover before you shop

• A payment that feels comfortable, including taxes, insurance, and any mortgage insurance or HOA dues.
• Your likely cash to close and whether seller-paid costs could help.
• The loan programs that genuinely fit your credit, income, assets, and property.
• What a solid pre-approval needs so your offer is ready when the right home appears.

Talk through your plan

I am Steve Leahy, a Home Loan Consultant with Main Street Home Loans. My approach is simple: honest advice, clear communication, and no pressure to make a decision before you are ready.