The Best Mortgage Lenders in Moseley, VA
Compare verified mortgage lenders serving Moseley, Virginia. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Moseley
Featured Mortgage Lenders
Atlantic Bay Mortgage Group
Atlantic Bay Mortgage Group, LLC
Atlantic Bay Mortgage Group is consistently ranked among the top mortgage lenders in Virginia and nationwide, with an exceptionally strong presence throughout the Richmond metropolitan area including Moseley. Founded in Virginia Beach and now serving multiple states, they maintain a 4.9-star rating across thousands of reviews for their exceptional customer service, competitive rates, and streamlined digital mortgage process. Their local loan officers have deep knowledge of the Chesterfield County market and specialize in all loan types including VA loans popular with military families in the region.
Loan Types:
James River Mortgage
James River Mortgage Corporation
James River Mortgage is a locally-owned and operated mortgage lender with deep roots in Central Virginia, serving Moseley and surrounding communities for over two decades. They've built an outstanding reputation for personalized service and local market expertise, particularly with first-time homebuyers and custom home construction loans. Their 4.8-star rating reflects consistent praise for their responsive communication, thorough guidance through the mortgage process, and ability to secure competitive rates for clients throughout Chesterfield County.
Loan Types:
Movement Mortgage
Movement Mortgage, LLC
Movement Mortgage has established a strong Richmond-area presence with dedicated local loan officers serving Moseley and Chesterfield County. As a national lender with deep local expertise, they combine the efficiency of digital mortgage technology with personalized service from neighborhood-based professionals. Their 4.7-star rating highlights their reliable performance, quick closing times typically under 30 days, and extensive experience with all loan programs including specialized options for the Virginia market. They're particularly noted for their community involvement and transparent lending process.
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Frequently Asked Questions
Common questions about mortgage lending in Moseley, VA
What are the current typical mortgage rates for homebuyers in Moseley, VA, and how do they compare to state or national averages?
Mortgage rates in Moseley generally align with national averages, but local lenders may offer competitive terms due to the area's stable market. As of recent trends, rates in the Richmond metro area, including Moseley, are often slightly more favorable than in Northern Virginia. It's best to compare offers from both local community banks and national lenders operating in Chesterfield County for the best rate.
Are there any down payment assistance programs specifically for buyers in Moseley or Chesterfield County?
Yes, homebuyers in Moseley can access the Virginia Housing Down Payment Assistance Grant, which provides funds that do not need to be repaid. Additionally, Chesterfield County offers its own "Homeownership Assistance Program" (CHAP) for eligible low-to-moderate income first-time buyers, which can provide up to $20,000 in down payment and closing cost assistance as a deferred, forgivable loan.
How does Moseley's location in a high-growth county affect the mortgage appraisal process?
Due to Moseley's rapid growth in Chesterfield County, appraisals must carefully account for appreciating property values and new comparable sales. Lenders often seek appraisers with specific local knowledge of the 23120 zip code and surrounding new subdivisions to ensure valuations reflect the true market pace, which can sometimes lead to appraisal gaps that buyers need to be prepared for.
What should I know about property taxes and insurance when calculating my monthly mortgage payment in Moseley?
Your mortgage payment will include an escrow for Chesterfield County property taxes, which are currently $0.95 per $100 of assessed value. Homeowners insurance in Moseley is typically affordable but can be influenced by the prevalence of older trees and the need for specific storm coverage. Your lender will help you estimate these costs accurately for your debt-to-income ratio.
Are USDA rural development loans available for homes in Moseley, VA, given its suburban feel?
While much of Moseley has become more suburban, certain pockets on its outskirts may still qualify for USDA loans, which offer 100% financing. It's crucial to check the official USDA eligibility map for the specific property address, as the designation can vary even within neighborhoods. This can be a significant advantage for eligible buyers in qualifying areas.
Nearby Cities
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Why Choose a Mortgage Lender in Moseley?
Local Market Knowledge
Lenders who understand Moseley'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 Moseley and get competitive rates on your home loan.