LICENSED IN VA · MD · DC · CA · FL & NC ·
Home Purchase Loans
Conventional. FHA. VA. USDA. Jumbo. ITIN. Down payment assistance
Whatever your situation, we have a program for it
A lender who specialises in it.
Purchase
Why borrowers in 7 states start here
One application. We shop with multiple lenders. You get the best purchase loan for your situation without sharing your personal information. Most people walk into one bank, get quoted one rate, and take it. They never know if a better deal existed. We work differently.
Access Financial is a licensed mortgage company. When you apply with us, your loan gets shopped across multiple institutional lenders, wholesale banks, and speciality programs simultaneously. That matters more on a purchase loan than anywhere else — especially if you’re a first time home buyer Virginia shopper, or you’re working to prequalify home loan options before you start touring homes. No handoffs. No call centers. No ‘your file is under review by our team’ for weeks.
Every loan type on this page closes through a dedicated loan officer assigned to you from pre-approval to keys, whether you’re a first time home buyer Northern Virginia buyer or searching buy house Northern Virginia neighborhoods you already know.
Find the right loan for your situation
Quick answers — the 3 questions purchase borrowers ask us first
It depends on the loan type. VA and USDA loans require $0 down for eligible borrowers. FHA loans start at 3.5% down with a 580 credit score. Conventional loans go as low as 3% down (Conventional 97). Jumbo loans typically require 10 to 20% depending on the lender. Down payment assistance grants can cover part or all of your FHA or conventional down payment, including first time home buyer grants Virginia programs.
FHA accepts 580 (with 3.5% down) or 500–579 (with 10% down). VA has no official minimum — most lenders require 580 or above. Conventional loans typically need 620–640 for best rate tiers. ITIN and Non-QM programs can go lower depending on other factors. A free consultation tells you exactly where you stand and which program fits.
A bank offers its own products. A mortgage company accesses wholesale rates from multiple lenders and shops your loan across all of them in one application. Access Financial is a company — which means we find you the best rate available on the market, not just the best rate one institution offers. On a 30-year loan, that difference compounds significantly.
The purchase loan process at Access Financial
From pre-approval to keys — here's how it works
Loan Program Matching
We review your finances and match you with the best mortgage options.
02
Shop Multiple Lenders
We compare rates from our nationwide lender network to find the best deal.
04
Guided Closing Process
From contract to closing, we manage every step with real-time updates.
06
Quick Online Application
Tell us about your homebuying goals in just 10 minutes. No credit pull required.
01
Down Payment Assistance Review
We identify grants and assistance programs that may reduce your upfront costs.
03
Fast Pre-Approval
Receive a strong pre-approval letter, often within 24 hours.