Prince William County, Virginia
Mortgage Company in Prince William County, VA
- 100+ lenders, one application
- Quantico families welcome
- No credit pull to start
Prince William County gives buyers more house for the money than its neighbors to the north. Access Financial is an independent mortgage company in Prince William County VA. We shop your file with more than 100 lenders.
Serving
Woodbridge to Gainesville and every town between
Office
8115 Maple Lawn Blvd, Suite 350
Fulton, MD 20759
Phone
(443) 494-4001- Lenders100+ wholesale
- PreapprovalSame day letter
- VA licenseMC-5948
- NMLS1370402
- $525K to $550KMedian price, early 2026
- $1.08Tax per $100, 2026
- $1,249,1252026 loan limit
- 100+Wholesale lenders
Loan programs
One county, two commuter corridors
Buyers along I 95 and I 66 want different homes. Every loan still runs through one mortgage company in Prince William County VA and one loan officer.
FHA loans
FHA loans in Prince William County help buyers with smaller savings or a past credit issue.
About FHA loansConventional 97
3 percent down for qualified buyers. A common start for a first time home buyer Prince William County file.
About Conventional 97VA purchase loans
Marine Corps Base Quantico sits inside the county. Eligible buyers put nothing down.
About VA loansInvestor loans
Rental property loans in Prince William County can qualify on the rent the home earns.
About investor loansCash out refinancing
Turn equity into cash for repairs, school or debt. We compare the new payment to your current one first.
About cash out refinancingFHA streamline refinance
Already have an FHA loan? A streamline refinance can lower the payment with less paperwork.
About FHA streamlineWhy us
Why settle for one bank's rate sheet?
A bank offers its own loans and nothing else. We are an independent mortgage company in Prince William County VA. One application reaches more than 100 lenders.
East county or west, same service
Woodbridge townhouse or Gainesville new build, Prince William County home loans get the same lender list.
Taxes built into the payment
We add county real estate tax to your estimate from the start. The number you see is the number you pay.
One loan officer, start to close
The person on your first call handles your file to the end.
No credit pull to begin
We talk through the numbers first. Credit is checked only when you are ready.
The county market
Values held steady. Taxes matter too.
Local market reports put the Prince William County median between $525,000 and $550,000 in early 2026. The county real estate tax rate for 2026 is $1.08 per $100 of assessed value.
On a $550,000 home that comes to about $5,940 a year. A mortgage company in Prince William County VA should build that into your payment from day one.
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
You might be one of these buyers
Most calls to a mortgage company in Prince William County VA begin with one of these four.
"We cannot decide between Gainesville and Woodbridge."
Commutes and prices differ a lot. Start with a budget, then compare both sides of the county.
Affordability calculator"I have an FHA loan from 2023 and want a lower payment."
A streamline refinance can skip the appraisal and much of the paperwork when rates allow.
FHA streamline refinance"We want a rental near a VRE station."
DSCR loans qualify on the rent, so your own income is not the only factor.
DSCR loans"I just retired from the Marine Corps."
Your VA entitlement stays with you after service. We confirm how much you can use.
VA loans after separationWhere we lend
East county, west county, all of it
One mortgage company in Prince William County VA file covers every town from Dumfries to Haymarket. Searching for a mortgage lender near me from Lake Ridge or Bristow? Our team handles Prince William County home loans by phone and online.
- Woodbridge
- Dale City
- Manassas
- Manassas Park
- Gainesville
- Haymarket
- Bristow
- Lake Ridge
- Dumfries
- Triangle
- Montclair
- Nokesville
- Occoquan
- Quantico
- Catharpin
How it works
Four steps, no office visit
Working with a mortgage company in Prince William County VA like ours runs fully by phone and online.
- First conversationYour income, debts and plansAbout 10 min
- Shop the marketLenders that fit your file respondSame day
- Get your letterA written preapproval for offersSame day
- CloseOne loan officer the whole way30 to 45 days
Other locations
We also lend across Virginia
Each area below works with the same loan officer team.
- 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
- ArlingtonThe Metro corridor
- AlexandriaOld Town to Kingstowne
- Hampton RoadsNorfolk, Virginia Beach, Hampton
- RichmondCity, Henrico, Chesterfield
- FredericksburgStafford and Spotsylvania
Before you apply
Useful pages for county buyers
What buyers read before they call a mortgage company in Prince William County VA.
Find out what you qualify for
Get real numbers, taxes included
Tell us how you are paid and what you want to buy. Your options come back in writing, with no credit pull to start.
Call (443) 494 4001 to reach a mortgage company in Prince William County 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
Prince William County questions
What does a mortgage company offer that a bank does not?
Choice. A mortgage company in Prince William County VA compares many lenders on one application instead of one in house price.
What is the 2026 loan limit in Prince William County?
It is $1,249,125 for a single family home, because the county sits in the high cost Washington area.
Can a first time home buyer in Prince William County buy with little down?
Yes. A first time home buyer Prince William County file starts at 3 percent down conventional or 3.5 percent with FHA.
How much are property taxes here?
The 2026 real estate tax rate is $1.08 per $100 of assessed value. On a $550,000 home that is about $5,940 a year.
Can I buy a rental property with you?
Yes. Investor and DSCR loans can qualify on the rent the property earns.
Do I need to come to an office?
No. We are licensed in Virginia and handle everything by phone and secure upload.