Areas We Serve

We offer VA loans in Virginia for:
  • Virginia Beach
  • Fairfax
  • Chantilly
  • Norfolk
  • Arlington
  • Richmond
  • Alexandria
  • Roanoke
  • Portsmouth
  • And more!

This is not a comprehensive list. As your VA-approved lenders in Virginia, we can help you buy a house wherever you’re planning to move in the state. Whether you need a VA loan in Richmond VA, or want to live in the suburbs of Fairfax County, we can help qualifying veterans and service members achieve their dream of homeownership.

Keep reading for more information about how to get a VA home loan.

How Do VA Loans Work in Virginia?

VA loans in Virginia work the same as they would in other states, however, there are some basics you should know about the process.

Virginia VA Loan Requirements

One of the most significant benefits of a VA loan in Virginia is that they are more flexible than conventional loans. The requirements are as follows:

  • Low Credit Score Requirement

You will need a minimum credit score of 580 is recommended for VA loans in Virginia.

  • Income

Your lender will verify your income to ensure your ability to repay the loan using bank statements or tax returns.

The Department of Veteran Affairs also has its own requirements, including the nature of your service and completing a home appraisal. You’ll need to meet the VA’s requirements and the requirements of your mortgage lender.

Applying for a VA Home Loan in Virginia

VA loans in Virginia are not directly provided by the Department of Veteran Affairs, although the government agency does guarantee them in case of default. To obtain a VA loan, you must work with VA-approved lenders in Virginia.

These are the general steps of the application process:
  • Obtain a Certificate of Eligibility (COE) from the VA.
  • Submit your online application.
  • Receive your quote from Griffin Funding. You’ll be able to lock in this rate immediately.
  • Provide your mortgage loan specialist with additional information if necessary.
  • Schedule your pest inspection and VA home loan appraisal.
  • Review and sign your final VA loan documents.

VA Loan Advantages in Virginia

VA loans can provide veterans with more benefits than conventional loans and even FHA programs. These advantages include:

  • No required down payment.
  • Ability to qualify with a lower FICO score.
  • No private mortgage insurance (PMI) is necessary.
  • No credit score is required on VA IRRRLs
  • No income/asset verification for VA-to-VA home refinances is required.

What Is the VA Loan Limit in Virginia?

As of January 2020, the VA loan limit in Virginia no longer applies to qualified veterans and active-duty military personnel with their full entitlement.


If VA loan limits do still apply to you, your limit will be determined in the city where your new home is located. If your VA loan exceeds this limit, you’ll be required to make a down payment on your home. Currently, the only VA loan limits above $548,250 are in the following Virginia locations:

  • Arlington County
  • Clarke County
  • Culpeper County
  • Fairfax County
  • Fauquier County
  • Loudoun County
  • Madison County
  • Prince William County
  • Rappahannock County
  • Spotsylvania County
  • Stafford County
  • Warren County
  • Alexandria City
  • Fairfax City
  • Falls Church City
  • Fredericksburg City
  • Manassas City
  • Manassas Park City

Who Qualifies for a VA Loan?

According to the Department of Veteran Affairs’ eligibility guidelines, active duty service and veterans members must meet the minimum active duty service requirement. These requirements vary depending on when you served.

The Department of Veteran Affairs states that if you don’t meet the service requirements, you may still be eligible for a VA home loan in Virginia if you were discharged for any number of reasons, from hardship to a service-related disability.

Even if you don’t qualify for a VA loan, Griffin Funding provides a variety of other home loan products that you might be eligible for. If you’re unsure whether or not you qualify for a VA home loan or want to discuss your options, you can speak with one of our experienced loan specialists. Our team can help you find the right loan program based on your personal circumstances.

Types of VA Mortgage Programs for Virginia Borrowers

The right VA loan for you will depend on your goals. For example, whether you’re buying new or refinancing your current VA home loan. Our VA mortgage programs include:

  • VA Purchase Loan: A purchase loan can be used to buy, build, or renovate a house as long as it will be your primary residence. There is no down payment required.
  • VA Streamline Refinance Loan (IRRRL): A VA Streamline Refinance Loan provides interest rate reduction for veterans who want to refinance their existing homes.
  • VA Cash-Out Refinance Loan: Cash-out loans allow veterans and service members to refinance their home loans while turning home equity into cash.

For more information about Griffin VA loans refer to our online resources or get assistance from one of our knowledgeable loan officers.

Take Advantage of a VA Home Loan to Purchase Property in Virginia

Buying your first, second, or third home with a VA loan in Virginia has never been easier. With a VA loan, you can save significantly on your monthly mortgage payment. You can also avoid paying any down payment and use that money to fix up your house or cover other expenses.

We’re proud to serve veterans and military personnel. Griffin Funding can help you secure a loan in Virginia while making the process as simple and streamlined as possible. To learn more about your mortgage options, call us today at (855) 651-2871. Our loan specialists are standing by to answer any and all of your questions about our VA loan programs.

Ready to become a homeowner with a VA loan in Virginia? Complete the online application today.