The Best Mortgage Lenders in Dublin, VA
Compare verified mortgage lenders serving Dublin, Virginia. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Dublin
Featured Mortgage Lenders
Jason Quesenberry
American National Bank and Trust Company
American National Bank and Trust Company is a highly respected regional bank with deep roots in Southwest Virginia. While based in Salem, they actively serve the Dublin community and surrounding areas with personalized mortgage services. They maintain exceptional 4.8-star ratings across multiple review platforms for their local expertise, competitive rates, and commitment to community banking. Their mortgage team includes experienced professionals like Jason Quesenberry who understand the unique needs of rural and small-town Virginia homebuyers. As a locally-managed institution with over 110 years of service, they offer the stability of a large bank with the personal touch of a community lender.
Loan Types:
Mortgage Department
Atlantic Union Bank
Atlantic Union Bank has a strong presence throughout Virginia with multiple branches serving the New River Valley region, including Dublin area residents. They consistently earn high customer satisfaction ratings for their comprehensive mortgage services and local decision-making capabilities. Their experienced mortgage team specializes in various loan programs including VA loans, which are popular in this military-friendly region near Radford Arsenal. Customers praise their responsive service, transparent process, and competitive rates. With over 120 years serving Virginia communities, they bring substantial expertise to the mortgage process while maintaining the personal service that local homebuyers appreciate.
Loan Types:
Mortgage Lending Team
Bank of Floyd
Bank of Floyd is an exceptional community bank serving Dublin and the broader New River Valley region with outstanding mortgage services. They maintain nearly perfect 4.9-star ratings for their exceptional customer service, local underwriting, and deep understanding of rural property financing. Their mortgage team works closely with Dublin area homebuyers, offering specialized construction and land loans that are particularly valuable in this region. As an independent community bank with over 120 years of service, they provide the personalized attention and local knowledge that larger institutions often lack. Customers consistently praise their straightforward process, competitive rates, and commitment to helping families achieve homeownership in Southwest Virginia communities.
Loan Types:
Frequently Asked Questions
Common questions about mortgage lending in Dublin, VA
What are the typical down payment requirements for a mortgage in Dublin, VA, given its rural setting and home prices?
In Dublin and surrounding Pulaski County, many homes are priced below state averages, which can make lower down payment programs more accessible. Conventional loans often require 5% down, while FHA loans require 3.5% down. USDA loans, which are highly relevant for this rural area, offer 0% down payment options for eligible borrowers and properties.
Are there any special first-time homebuyer programs or grants available specifically for Dublin, VA?
Yes, Virginia Housing offers several statewide programs that Dublin buyers can utilize, including the VHDA Down Payment Assistance Grant. Additionally, the Town of Dublin may occasionally offer local incentives, and buyers should check with regional housing nonprofits like the New River Valley Housing Partnership for potential counseling and assistance programs tailored to the area.
How does the appraisal process work in Dublin, given the mix of older homes and newer construction?
Appraisals in Dublin must account for a diverse housing stock, from historic homes to newer subdivisions. For older homes, appraisers pay close attention to the condition of major systems (roof, foundation, HVAC). In more rural parts of the town's jurisdiction, they also assess well and septic systems, which can impact the loan process and value.
What type of property taxes and insurance considerations are unique to a Dublin, VA, mortgage?
Pulaski County property taxes are relatively moderate, but lenders will factor them into your debt-to-income ratio. For insurance, due to the rural nature, lenders may require additional coverage if the home is far from a fire hydrant or station. Flood insurance is rarely required in most of Dublin, but it's wise to check the FEMA flood maps for properties near the New River or creeks.
How do mortgage rates and lender options in Dublin compare to larger Virginia cities?
While national rates set the baseline, Dublin borrowers may find slightly different terms due to the local market's scale. You'll primarily work with regional banks, local credit unions (like American National Bank), and national lenders operating remotely. Local lenders often have deep knowledge of property values in Pulaski County, which can streamline the underwriting process for unique properties.
Why Choose a Mortgage Lender in Dublin?
Local Market Knowledge
Lenders who understand Dublin's housing market can offer better guidance and competitive rates.
Multiple Loan Options
Access to conventional, FHA, VA, USDA, and jumbo loans tailored to your financial situation.
Proven Track Record
Work with lenders who have years of experience and hundreds of satisfied customers in Virginia.
Ready to Find Your Perfect Mortgage Lender?
Connect with top-rated mortgage professionals in Dublin and get competitive rates on your home loan.