The Best Mortgage Lenders in Quinton, VA
Compare verified mortgage lenders serving Quinton, Virginia. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Quinton
Featured Mortgage Lenders
Atlantic Bay Mortgage Group
Atlantic Bay Mortgage Group
Atlantic Bay Mortgage Group is one of Virginia's most highly-rated mortgage lenders with extensive experience serving the Quinton area and throughout Virginia. Founded in Virginia Beach, they have built a stellar reputation for exceptional customer service and competitive rates. Their local expertise in Virginia mortgage markets, combined with their wide range of loan products including specialized VA loans, makes them a top choice for Quinton residents. They consistently receive outstanding reviews for their responsive communication and smooth closing processes.
Loan Types:
Virginia Credit Union
Virginia Credit Union
Virginia Credit Union has been serving Virginia communities for nearly 90 years and is highly regarded for their competitive mortgage rates and exceptional member service. While based in Richmond, they actively serve the Quinton area and surrounding counties. As a member-owned financial cooperative, they prioritize customer satisfaction over profits, resulting in some of the most competitive rates and fees in the region. Their mortgage specialists provide personalized guidance through the entire homebuying process, with particular strength in first-time homebuyer programs and VA loans.
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Movement Mortgage
Movement Mortgage, LLC
Movement Mortgage has established a strong presence throughout Virginia, including dedicated loan officers serving the Quinton area. Known for their innovative technology and efficient processing, they've built a reputation for closing loans faster than industry averages while maintaining excellent customer satisfaction. Their local Virginia-based loan officers understand the specific market conditions in the Quinton region and provide tailored mortgage solutions. Movement receives consistently high marks for their transparent communication and ability to handle complex loan scenarios with expertise.
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Frequently Asked Questions
Common questions about mortgage lending in Quinton, VA
Are there any special mortgage programs for first-time homebuyers in Quinton, VA?
Yes, the Virginia Housing Development Authority (VHDA) offers several programs, such as the VHDA FHA and Conventional loans with down payment assistance grants, which are widely used in Quinton. These programs can be particularly helpful given the area's mix of rural and suburban properties, making homeownership more accessible with competitive interest rates and lower upfront costs.
How does Quinton's rural location within the Tidewater region affect the mortgage appraisal process?
Due to Quinton's semi-rural setting in New Kent County, appraisals can sometimes be more complex as comparable home sales ("comps") may be fewer and more spread out. Lenders familiar with the area will work with appraisers who understand the local market nuances, including the value of larger land parcels common in Quinton, to ensure a fair valuation.
What are typical property taxes like for a home in Quinton, and how do they impact my mortgage payment?
New Kent County, where Quinton is located, has a relatively low property tax rate compared to more urban parts of Virginia. For 2024, the rate is $0.74 per $100 of assessed value. Your lender will include these estimated taxes in your monthly escrow payment, and this favorable rate can make overall homeownership costs more manageable compared to nearby metropolitan areas.
Are USDA Rural Development loans a viable option for mortgages in Quinton, VA?
Absolutely. Given Quinton's designation as a qualified rural area by the USDA, many homebuyers can utilize USDA loans, which offer 100% financing with no down payment. This is a popular and advantageous program in the area, especially for buyers looking at properties on larger lots outside the more developed corridors.
How does proximity to major bases like Fort Gregg-Adams and Fort Eustis influence the Quinton mortgage market?
The presence of these military installations creates a steady demand for housing in Quinton from service members and civilian employees. Many lenders in the area are highly experienced with VA loans, which offer excellent terms with no down payment or private mortgage insurance. This expertise ensures a smooth process for military buyers, who are a significant part of the local market.
Nearby Cities
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Why Choose a Mortgage Lender in Quinton?
Local Market Knowledge
Lenders who understand Quinton'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 Quinton and get competitive rates on your home loan.