Manassas, Virginia
Mortgage Company in Manassas, VA
- 100+ lenders, one application
- Contractor income understood
- No credit pull to start
Ride the VRE or work along Route 28? The loan matters as much as the house. Access Financial is an independent mortgage company in Manassas VA with more than 100 lenders behind every file.
Serving
Manassas, Manassas Park and western Prince William
Office
8115 Maple Lawn Blvd, Suite 350
Fulton, MD 20759
Phone
(443) 494-4001- Lenders100+ wholesale
- PreapprovalSame day letter
- VA licenseMC-5948
- NMLS1370402
- $556KTypical Manassas home
- 9 daysTo pending
- 100+Wholesale lenders
- 30+ yearsMortgage experience
Loan programs
Financing from Old Town to Linton Hall
Historic homes near Center Street, newer builds in Bristow and everything between. One mortgage company in Manassas VA handles the full range.
Purchase loans
Manassas home loans for buyers moving up, moving in or buying their first place.
About purchase loansFHA loans
3.5 percent down with room for past credit bumps. Popular with first buyers in Manassas Park.
About FHA loansSecond home loans
Want a weekend place near Lake Anna or the Shenandoah? Second home loans follow their own rules.
About second home loansVA purchase loans
VA loans in Manassas give eligible veterans a purchase with no money down and no monthly mortgage insurance.
About VA loansCash out refinancing
A cash out refinance Manassas homeowners use can fund a basement finish or clear high interest debt.
About cash out refinancingGovernment contractor loans
Defense and tech contractors along Route 28 often have income banks misread. We find lenders that get it.
About contractor loansWhy us
One lender sees your file? Try 100.
Your bank prices its own loans and stops there. We are an independent mortgage company in Manassas VA. We send your file to wholesale lenders and return every answer in writing.
Commuter math included
VRE fares or I 66 tolls change what you can afford. We plan around your real monthly spend.
One loan officer, no handoffs
The person on your first call stays with your file until closing.
No credit pull at the start
We talk through your numbers first. Credit is checked only when you say go.
Written options, not phone quotes
Each lender answer arrives in writing so you can compare them side by side.
The Manassas market
Nine days to pending. Be ready on day one.
Zillow put the typical Manassas home value near $556,241 in July 2026. Homes went to pending in about 9 days.
A same day letter from a mortgage company in Manassas VA means you can offer before the first weekend ends.
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
Sound like your situation?
Most calls to a mortgage company in Manassas VA start with one of these four.
"I work contract jobs along the Route 28 corridor."
Contract income that changes by task order still counts with the right lender. We know which ones.
Government contractor loans"We want to live near Old Town but prices keep climbing."
Start with a price range that fits your real budget, then shop inside it.
Affordability calculator"Our first home in Manassas Park is too small now."
Your equity can fund the next down payment. We time the sale and purchase together.
Purchase loans"We have good equity and some card debt."
Rolling high interest debt into a mortgage can cut the monthly total. See the math before you decide.
Debt consolidation refinanceWhere we lend
The city, the Park and western PWC
One mortgage company in Manassas VA file covers the city, Manassas Park and the western county. Searching for a mortgage lender near me from Bristow or Nokesville? The same team handles Manassas home loans start to finish.
- Manassas City
- Manassas Park
- Bristow
- Gainesville
- Haymarket
- Nokesville
- Yorkshire
- Sudley
- Linton Hall
- Signal Hill
- Wellington
- Bull Run
- Clifton
- Centreville
- Catharpin
How it works
From first call to closing
A mortgage company in Manassas VA should not need your afternoon. Here is the usual timing.
- Quick intro callIncome, debts, savings and the goalAbout 10 min
- Market checkYour file matched to lenders that fitSame day
- Written letterPreapproval ready for your agentSame day
- ClosingOne loan officer through underwriting30 to 45 days
Other locations
Other Virginia areas we cover
Same loan officers, same lender list, whichever Virginia town you are buying in.
- Northern VirginiaThe whole region
- WoodbridgePrince William County, I 95
- Dale CityPrince William County
- Fairfax CountyTysons, Reston, Springfield
- Loudoun CountyAshburn, Leesburg, Sterling
- 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
Read these before you call
The pages Manassas buyers use most before choosing a lender.
Find out what you qualify for
One call starts the whole thing
Tell us how you are paid and what you want to buy. We shop it and send your options in writing, with no credit pull to start.
Call (443) 494 4001 to speak with a mortgage company in Manassas VA directly, 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
What Manassas buyers want to know
Should I use a mortgage company or my credit union?
A credit union offers its own loans. A mortgage company in Manassas VA compares many lenders at once, which often uncovers a better fit.
What is the loan limit in Manassas for 2026?
The 2026 figure is $1,249,125 for a single family home. Manassas and Manassas Park sit in the high cost Washington area.
Can a first time home buyer Manassas VA get down payment help?
Often, yes. A first time home buyer Manassas VA file can start at 3 percent down. Some buyers also qualify for statewide help through Virginia Housing.
Can I finance a second home?
Yes. Second home loans need a larger down payment than a primary home. The property must be for your own use.
Will you pull my credit on the first call?
No. We only check credit after you choose an option and want to move forward.
How fast can I get preapproved?
Most buyers who call a mortgage company in Manassas VA like ours can have a written letter the same day.