Hampton Roads, Virginia
Mortgage Company in Hampton Roads
- 100+ lenders, one application
- Built for PCS timelines
- No credit pull to start
Seven cities, several major bases and one regional market. Access Financial is an independent mortgage company in Hampton Roads. We send your file to more than 100 lenders, wherever your orders land.
Serving
Norfolk, Virginia Beach, Chesapeake and the Peninsula
Office
8115 Maple Lawn Blvd, Suite 350
Fulton, MD 20759
Phone
(443) 494-4001- Lenders100+ wholesale
- PreapprovalSame day letter
- VA licenseMC-5948
- NMLS1370402
- $388,950Regional median, August
- 27 daysMedian days on market
- 6,120Active listings
- 100+Wholesale lenders
Loan programs
Loans built around military moves
Naval Station Norfolk, Oceana and Langley shape this market. Every loan below runs through one mortgage company in Hampton Roads and one loan officer.
VA purchase loans
VA loans in Hampton Roads let eligible buyers purchase with no down payment and no monthly mortgage insurance.
About VA loansVA entitlement
Keeping your last home as a rental? Remaining entitlement may cover a second VA loan.
About VA entitlementFHA loans
3.5 percent down and flexible credit rules for civilians and new service members alike.
About FHA loansConventional 97
3 percent down for qualified buyers. A strong start for a first time home buyer Hampton Roads file.
About Conventional 97DSCR investor loans
Buying a rental near a base? DSCR loans qualify on the rent the home earns.
About DSCR loansCash out refinancing
Turn equity into cash before a move or a renovation. We check the numbers first.
About cash out refinancingWhy us
Orders move fast. So should your lender.
A bank offers its own loans and waits on its own schedule. We are an independent mortgage company in Hampton Roads that shops more than 100 lenders on one application.
Orders first, house second
We confirm VA eligibility the day you call, so your letter is ready before house hunting leave.
Flood zones priced in
Many homes near the water need flood insurance. We add it to your payment estimate before you offer.
One loan officer to closing
The same person handles your file start to finish, even if you are still stationed elsewhere.
No credit pull to start
We look at your numbers first. Credit is pulled only when you choose to proceed.
The regional market
More listings, still rising prices.
REIN MLS reported a $388,950 regional median sale price in August 2026, up 5.1 percent. Active listings reached 6,120, up 7.2 percent, with a median of 27 days on market.
More choice gives buyers time, but good homes still move. A same day letter from a mortgage company in Hampton Roads keeps you ready.
What one application gets you
- Lenders who can see your file100+
- Loan programs reviewed40+
- Time to a preapproval letterSame day
- Loan officers handling you1
- Credit pulled to get this farNone
Who we help
Which move are you making?
Most calls to a mortgage company in Hampton Roads start with one of these four.
"We PCS to Norfolk in the spring."
We can preapprove you before you arrive and line up the VA appraisal early.
VA loans for PCS moves"We want to keep our Virginia Beach house as a rental."
A Virginia Beach mortgage you already hold can stay while remaining entitlement buys the next home.
VA entitlement explained"The Chesapeake house is in a flood zone."
Flood insurance changes the monthly cost. Price it in before you write the offer.
Payment calculator"I left the Navy and work at the shipyard now."
Your VA benefit does not end with service. We confirm what you can use.
VA loans after separationWhere we lend
From the Southside to the Peninsula
One mortgage company in Hampton Roads file covers the Southside, the Peninsula and Williamsburg. Our team handles Hampton Roads home loans and military home loans by phone and secure upload.
- Virginia Beach
- Norfolk
- Chesapeake
- Portsmouth
- Suffolk
- Hampton
- Newport News
- Williamsburg
- Yorktown
- Poquoson
- Smithfield
- Gloucester
- James City County
- Carrollton
- Isle of Wight
How it works
From orders to keys
A mortgage company in Hampton Roads should work even while you are still at your last station. Here is the usual pace.
- First callOrders, income and the home you wantAbout 10 min
- Lender matchYour file goes to lenders that fitSame day
- PreapprovalA written letter your agent can useSame day
- ClosingRemote signing options where allowed30 to 45 days
Other locations
Other areas we serve
The same loan officer team covers each of these Virginia areas.
- Northern VirginiaThe whole region
- WoodbridgePrince William County, I 95
- Dale CityPrince William County
- ManassasCity and Manassas Park
- Fairfax CountyTysons, Reston, Springfield
- Loudoun CountyAshburn, Leesburg, Sterling
- Prince William CountyWoodbridge to Gainesville
- ArlingtonThe Metro corridor
- AlexandriaOld Town to Kingstowne
- RichmondCity, Henrico, Chesterfield
- FredericksburgStafford and Spotsylvania
Before you apply
Useful before a military move
What buyers read before choosing who handles their Hampton Roads home loans.
Find out what you qualify for
Start before the moving truck
Tell us about your orders, income and the home you want. Options come back in writing, with no credit pull to start.
Call (443) 494 4001 to reach a mortgage company in Hampton Roads from wherever you are stationed, or apply online.
Access Financial Mortgage Corp. NMLS 1370402. Virginia State Corporation Commission License MC-5948. Equal Housing Opportunity. This is not a commitment to lend. All loans are subject to credit approval, property review and program guidelines.
FAQ
Hampton Roads buyers ask
Why use a mortgage company instead of a bank near base?
A bank quotes only its own loans. A mortgage company in Hampton Roads compares many lenders, which matters when your timeline is tight.
Is there a VA loan limit?
Buyers with full entitlement have no VA loan limit. With partial entitlement, the county conforming limit comes into play.
Can a first time home buyer in Hampton Roads buy with little down?
Yes. A first time home buyer Hampton Roads file starts at 3 percent down conventional, 3.5 percent FHA or zero with VA.
Do I need flood insurance?
If the home sits in a designated flood zone, the lender will require it. We build that cost into your estimate early.
Can I apply before I arrive?
Yes. We can preapprove you from your current duty station and handle most steps online.
How fast can I get a preapproval letter?
Many buyers who call a mortgage company in Hampton Roads like ours have a letter the same day.