Loudoun County, Virginia
Mortgage Company in Loudoun County, VA
- 100+ lenders, one application
- 1099 income welcome
- No credit pull to start
Loudoun has grown faster than most of Northern Virginia, and prices followed. Access Financial is an independent mortgage company in Loudoun County VA with more than 100 lenders ready to compete.
Serving
Ashburn, Leesburg, Sterling and western Loudoun
Office
8115 Maple Lawn Blvd, Suite 350
Fulton, MD 20759
Phone
(443) 494-4001- Lenders100+ wholesale
- PreapprovalSame day letter
- VA licenseMC-5948
- NMLS1370402
- $800KTypical county home
- 11 daysTo pending
- $1,249,1252026 loan limit
- Same dayPreapproval letter
Loan programs
Loans for Ashburn, Leesburg and beyond
New builds in Brambleton, townhouses in Sterling and farmhouses near Purcellville. One mortgage company in Loudoun County VA covers all of it.
Purchase loans
Loudoun County home loans for new construction, resales and everything in between.
About purchase loansJumbo loans
Homes in Lansdowne, Aldie and Middleburg often pass the limit. Jumbo loans in Loudoun County go to lenders that price big balances well.
About jumbo loansConventional 97
3 percent down for qualified buyers. A real option for a first townhouse in Sterling or Leesburg.
About Conventional 97Self employed loans
Tech consultants and data center contractors often earn on 1099s. We qualify that income the right way.
About self employed loansCash out refinancing
Owners who bought before 2020 often hold large equity. A refinance in Loudoun County can fund a basement or clear debt.
About cash out refinancingShort term rental loans
A cottage near the wineries rented by the night? These loans can qualify on projected rental income.
About short term rental loansWhy us
More lenders means sharper pricing.
One bank means one rate sheet. We are an independent mortgage company in Loudoun County VA. We send your file to more than 100 wholesale lenders and return each answer in writing.
New build timelines covered
Builder closing dates can slide. We keep your approval current until the keys are ready.
Tech and contract pay read correctly
Stock grants, bonuses and 1099 work need a lender that understands them. We know which ones do.
One loan officer, start to close
You deal with the same person from your first call to the closing table.
No credit pull to begin
The first conversation is just numbers. Credit is checked only when you decide to proceed.
The Loudoun market
Eleven days to pending, near $800,000.
Zillow put the typical Loudoun County home value near $799,573 in July 2026. Homes went to pending in about 11 days.
A same day letter from a mortgage company in Loudoun County VA helps you compete with cash buyers.
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
Is one of these you?
Most people who call a mortgage company in Loudoun County VA start with one of these four.
"Our builder wants us to use their lender."
You are free to shop your loan. Compare the builder's offer with ours before you sign anything.
The loan process"We bought in Ashburn in 2018 and want to use the equity."
A cash out refinance or a HELOC can each work. We show which one costs less for your plan.
Cash out refinancing"I am a 1099 engineer on data center projects."
Bank statement loans use deposits instead of tax returns, which suits contract earnings.
Bank statement loans"We want a small farmhouse near Purcellville."
Rural and acreage homes have their own appraisal rules. We match you to lenders that handle them.
Purchase loansWhere we lend
From Sterling to the Blue Ridge
One mortgage company in Loudoun County VA file covers the eastern suburbs and the western villages. Searching for a mortgage lender near me from South Riding or Round Hill? The same team handles Loudoun County home loans in both.
- Ashburn
- Leesburg
- Sterling
- South Riding
- Brambleton
- Aldie
- Purcellville
- Lansdowne
- Broadlands
- Stone Ridge
- Middleburg
- Round Hill
- Lovettsville
- Hamilton
- Waterford
How it works
What the process looks like
A mortgage company in Loudoun County VA should fit around your schedule. Here is the usual pace.
- Intro callIncome, assets and what you want to buyAbout 10 min
- Lenders competeFile sent to the lenders that fitSame day
- PreapprovalWritten and ready for your agentSame day
- ClosingOne loan officer through the finish30 to 45 days
Other locations
More Virginia areas we serve
The same loan officers and lenders work each of these areas.
- Northern VirginiaThe whole region
- WoodbridgePrince William County, I 95
- Dale CityPrince William County
- ManassasCity and Manassas Park
- Fairfax CountyTysons, Reston, Springfield
- Prince William CountyWoodbridge to Gainesville
- ArlingtonThe Metro corridor
- AlexandriaOld Town to Kingstowne
- Hampton RoadsNorfolk, Virginia Beach, Hampton
- RichmondCity, Henrico, Chesterfield
- FredericksburgStafford and Spotsylvania
Before you apply
Worth reading before you call
The guides and tools Loudoun buyers open most.
Find out what you qualify for
Let the lenders compete for you
Tell us how you are paid and what you want to buy. We compare lenders and send each option in writing. Your credit stays untouched until you choose.
Call (443) 494 4001 to talk with a mortgage company in Loudoun County VA, 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
Loudoun buyers often ask
Why use a mortgage company instead of the builder's lender?
A builder's lender works one set of rates. A mortgage company in Loudoun County VA compares many lenders so you can test the builder deal.
What is the 2026 loan limit in Loudoun County?
Loudoun's 2026 conforming limit is $1,249,125 for a single family home. Loudoun is part of the high cost Washington area.
Is there help for a first time home buyer in Loudoun County?
Yes. A first time home buyer Loudoun County file can start at 3 percent down. Virginia Housing also offers statewide help for eligible buyers.
Can I qualify with 1099 or stock income?
Yes. The right lender averages 1099 earnings and can count vested stock. We match you to the ones that do.
Will you check my credit right away?
No. We talk numbers first and pull credit only when you choose an option.
How soon can I have a preapproval letter?
Buyers who call a mortgage company in Loudoun County VA like ours often have one the same day.