The Best Mortgage Lenders in Upperville, VA
Compare verified mortgage lenders serving Upperville, Virginia. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Upperville
Featured Mortgage Lenders
Sandy Curtis
Sandy Curtis - Movement Mortgage
Sandy Curtis with Movement Mortgage is one of the most highly-rated mortgage professionals serving the Upperville and Loudoun County area. With over 15 years of experience and exceptional 4.9-star ratings across multiple platforms, she specializes in luxury and rural properties common in the Upperville market. Her deep understanding of the local real estate landscape, combined with Movement Mortgage's efficient processing system, makes her a top choice for buyers in this prestigious horse country region. Clients consistently praise her responsiveness, attention to detail, and ability to handle complex transactions smoothly.
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Virginia Heritage Bank
Virginia Heritage Bank Mortgage Division
Virginia Heritage Bank has established itself as a premier community bank serving Northern Virginia, including the Upperville area. With a 4.8-star rating and nearly two decades of experience, they offer personalized mortgage services with local decision-making. Their expertise in jumbo loans and construction financing is particularly valuable for the high-value properties in Upperville's estate market. As a community-focused institution, they provide the combination of competitive rates and local knowledge that rural property buyers need, with loan officers who understand the unique aspects of Fauquier and Loudoun County real estate.
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John McEvoy
First Home Mortgage - John McEvoy Team
John McEvoy and his team at First Home Mortgage are among the most experienced and highly-rated mortgage professionals serving the Upperville region. With over 25 years in the business and hundreds of 5-star reviews, they have deep expertise in the luxury and rural property markets of Northern Virginia. Their specialization in construction loans and jumbo financing aligns perfectly with Upperville's high-end real estate needs. Based in nearby Leesburg, they maintain strong relationships with local realtors and have extensive experience navigating the unique requirements of historic properties and large land parcels common in the Upperville area.
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Frequently Asked Questions
Common questions about mortgage lending in Upperville, VA
Are mortgage rates in Upperville, VA, typically higher than the national average due to its rural and high-property-value nature?
While national rates set the baseline, rates in Upperville can be influenced by the high-value, low-density loan market. For jumbo loans, which are common for estates and large equestrian properties, rates may be slightly higher. It's crucial to work with a lender experienced in Virginia's rural luxury market to secure competitive terms.
What special considerations are there for getting a mortgage on a historic property or an estate with land in Upperville?
Financing historic homes or large estates often requires a specialized appraisal that understands the value of historic integrity, outbuildings, and land. Lenders may have stricter requirements on property condition. For significant acreage, an agricultural or land-use loan program might be more appropriate than a standard residential mortgage.
Are there any local or state down payment assistance programs accessible to first-time homebuyers in Upperville?
Yes, the Virginia Housing Development Authority (VHDA) offers programs like VHDA Down Payment Assistance Grants, which are available statewide, including in Fauquier County. However, due to Upperville's high median home prices, income and sales price limits may restrict eligibility, making it essential to check current thresholds.
How does the prevalence of conservation easements in the Upperville area affect mortgage lending?
A conservation easement can significantly impact a property's value and marketability, which a lender must carefully underwrite. It may limit future development and thus the property's collateral value. You'll need a lender familiar with these legal restrictions, and they will require a specific appraisal that accounts for the easement's terms.
What is the typical timeline for mortgage closing on a property in Upperville, and are there local delays to anticipate?
The closing timeline is often 45-60 days. In Upperville, delays can occur due to the need for well and septic inspections (common without public sewer/water), detailed surveys for large parcels, or title issues on historic properties with complex ownership histories. Starting the process early with a local settlement agent is highly recommended.
Why Choose a Mortgage Lender in Upperville?
Local Market Knowledge
Lenders who understand Upperville'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 Upperville and get competitive rates on your home loan.