At City of Richmond VA, we specialize in VA loans for Richmond Veterans and service members—competitive rates, local knowledge, and support rooted in your community.
We guide first-time buyers and veterans using VA & FHA loans. We combine local insight and personalized support for Richmond dreams.
At City of Richmond VA, we specialize in VA loans for local Veterans. We pair deep community insight with personalized support so Richmond families can confidently own homes.
Best VA loan options for Richmond Veterans and service members, with zero or low down payment.
Everything Richmond residents should know about buying a home in RVA.
Discover what’s possible for your budget, payment, and home in Richmond.
See current home equity rates and what lower rates mean for Richmond homeowners.
Understand refinancing Richmond homes—when it makes sense and how you save.
Flexible financing for Richmond buyers: FHA loans with low down payment and lenient credit guidelines.
Richmond veterans can access no-down-payment financing, lower interest rates, and no private mortgage insurance (PMI)—helping make homeownership more affordable.
If you have qualifying service (active duty, National Guard, or reserves) and meet VA guidelines, you likely qualify. Also, surviving spouses may qualify under certain conditions.
In most cases, no down payment is required—VA-backed loans allow 100% financing as long as you have unused entitlement and the home qualifies.
If you have full entitlement, there’s no strict cap. With partial entitlement, limits are tied to FHFA conforming loan limits in Richmond’s county.
You may pay a VA funding fee (unless exempt), appraisal fee, closing costs, and possibly inspection or title fees — though many closing costs can be negotiated.
Yes — VA offers refinancing options like IRRRL (Interest Rate Reduction Refinance Loan) and cash-out refinancing for VA homeowners.
We don’t run your credit multiple times — we protect it. Your score stays safe.
No fees, no obligations—simply quick and free answers to help you move forward with confidence.
