Richmond, Virginia
Mortgage Company in Richmond, VA
- 100+ lenders, one application
- Row houses to Short Pump
- No credit pull to start
Richmond moves faster than most buyers expect for a city its size. Access Financial is an independent mortgage company in Richmond VA. One application puts you in front of more than 100 lenders.
Serving
The city, Henrico, Chesterfield and Hanover
Office
8115 Maple Lawn Blvd, Suite 350
Fulton, MD 20759
Phone
(443) 494-4001- Lenders100+ wholesale
- PreapprovalSame day letter
- VA licenseMC-5948
- NMLS1370402
- $379KTypical Richmond home
- 6 daysTo pending
- $832,7502026 conforming limit
- 100+Wholesale lenders
Loan programs
From Fan row houses to Chesterfield cul de sacs
Brick row houses near VCU and newer homes in Midlothian call for different loans. Each one runs through one mortgage company in Richmond VA and one loan officer.
Purchase loans
Richmond home loans for condos, row houses and suburban homes, all from a single application.
About purchase loansFHA loans
FHA loans in Richmond offer 3.5 percent down and more room for a thin or bruised credit file.
About FHA loansConventional 97
3 percent down for qualified buyers. A common path for a first time home buyer Richmond VA file.
About Conventional 97FHA 203k renovation
Church Hill and Northside hold many century old homes. A 203k covers the price and the repairs together.
About 203k loansInvestor loans
Investment property loans Richmond buyers use for rentals near VCU can qualify on the rent itself.
About investor loansJumbo loans
The conforming limit here is $832,750. Larger homes in Windsor Farms or Short Pump go to jumbo lenders we compare for you.
About jumbo loansWhy us
One bank, one price. We bring 100 more.
A bank lends only its own product. We are an independent mortgage company in Richmond VA. Your file reaches more than 100 wholesale lenders and every answer comes back in writing.
State and hospital paychecks understood
Government, health system and university pay schedules are routine for the lenders we use.
One loan officer to the closing table
The person on your first call handles your file all the way through.
No credit pull to start
We talk numbers first. Credit is checked only after you pick an option.
A lower limit, planned for
Richmond uses the $832,750 baseline limit, not the higher Northern Virginia figure. We structure around it early.
The Richmond market
Six days to pending. Bring a letter.
Zillow put the typical Richmond home value near $378,605 in May 2026. Homes went to pending in about 6 days.
That pace leaves no time to shop for a lender after you find the house. A same day letter from a mortgage company in Richmond VA keeps you in the running.
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
Does one of these fit you?
Most calls to a mortgage company in Richmond VA start with one of these four.
"We found a Church Hill row house that needs everything."
A renovation loan funds the purchase and the rebuild in one mortgage, with one closing.
FHA 203k loans"I want a duplex near VCU to rent to students."
DSCR loans qualify on the rent, so your own income is not the whole story.
DSCR loans"We are moving down from Northern Virginia for more space."
Lower prices can mean a bigger home for the same payment. We run both sides of the move.
Affordability calculator"My tax returns undersell my business."
Bank statement loans use deposits instead of your bottom line.
Bank statement loansWhere we lend
The city and the counties around it
One mortgage company in Richmond VA file covers the city plus Henrico, Chesterfield and Hanover. Searching for a mortgage lender near me from Carytown or Glen Allen? Our team handles Richmond home loans by phone and secure upload.
- The Fan
- Museum District
- Church Hill
- Scott's Addition
- Manchester
- Carytown
- Northside
- Jackson Ward
- Shockoe Bottom
- Forest Hill
- Short Pump
- Glen Allen
- Midlothian
- Mechanicsville
- Chester
How it works
How a Richmond file moves
With our mortgage company in Richmond VA team, every step runs by phone and online.
- Opening callIncome, savings and the home you wantAbout 10 min
- Lender matchFile sent to lenders that fitSame day
- PreapprovalWritten and ready for your agentSame day
- ClosingOne loan officer the whole way30 to 45 days
Other locations
More areas we serve
The same loan officer team covers 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
- Loudoun CountyAshburn, Leesburg, Sterling
- Prince William CountyWoodbridge to Gainesville
- ArlingtonThe Metro corridor
- AlexandriaOld Town to Kingstowne
- Hampton RoadsNorfolk, Virginia Beach, Hampton
- FredericksburgStafford and Spotsylvania
Before you apply
Read before you tour
What Richmond buyers look at before choosing a lender.
Find out what you qualify for
Know your budget before the weekend
Tell us how you earn and what you want to buy. Every option comes back in writing, with no credit pull to start.
Call (443) 494 4001 to reach a mortgage company in Richmond 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
Richmond buyers ask us
Why use a mortgage company instead of a local bank?
A local bank offers its own loans. A mortgage company in Richmond VA compares many lenders on one application, so you see more than one price.
What is the 2026 loan limit in Richmond?
Richmond uses the $832,750 baseline for a single family home. Loans above that are jumbo loans.
Can a first time home buyer in Richmond buy with little down?
Yes. A first time home buyer Richmond VA file starts at 3 percent down conventional or 3.5 percent with FHA. Virginia Housing also offers statewide help.
Can I finance an older home that needs work?
Yes. An FHA 203k loan rolls the repairs into the purchase loan.
Do you lend on rental properties?
Yes. Investor and DSCR loans can qualify on the rent the property earns.
How fast can I be preapproved?
Many buyers who call a mortgage company in Richmond VA like ours have a letter the same day.