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Lenders

PrimeLending-Jerry Padilla Lending
Serves: Virginia
Specialization: Residential Mortgages, Portfolio Lending
The Federal Savings Bank Lending
Serves: Virginia
Specialization: Residential Mortgages, Commercial Mortgages, Private Money
RENTAL PROPERTY LENDING GROUP Lending
Serves: Virginia
Specialization: Hard Money, Portfolio Lending, Private Money
Washington Capital Partners Lending
Serves: Virginia
Specialization: Hard Money
Total Capital Network Lending
Serves: Virginia
Specialization: Private Money, Residential Mortgages, Commercial Mortgages
Note Investing Made Easier Lending
Serves: Virginia
Apex Home Loans, Inc. NMLS #2884 Lending
Serves: Virginia
Specialization: Residential Mortgages, Portfolio Lending, Transactional Financing
JID Investments, LLC Lending
Serves: Virginia
Specialization: Hard Money
Equity Resources, Inc. Lending
Serves: Virginia
Specialization: Residential Mortgages
Inclusive Properties Lending
Serves: Virginia
Specialization: Commercial Mortgages, Private Money, Portfolio Lending

Find A Lending Company

The purpose of the BiggerPockets’ company directory is to help our members find real estate investing resources near them. Members can best use the lending company directory in order to find local lenders that will assist in securing a loan. Once you have narrowed down a search by location each member can look through the list of results in order to find the best lender for them.

The section on the right hand side of all of the lender listings are displayed to help users qualify a lender. Here, members will be able to see the number of personal deals entered into their BiggerPockets profile and referrals by other members. In this section you will also see how active this lender is on the forums through seeing the number of posts and upvotes on those posts within the forums. The final portion will show you each lender’s specialization which will help you decide if this lender is a good fit for your real estate investing strategy.

Questions To Ask A Lender

Before you apply for a mortgage loan, there are some important questions you will want to ask your lender. These questions will help you feel confident in your decision to apply for a mortgage and the knowledge of your lender. Here are some questions you should ask your lender before applying for a loan:

Which type of loan is best for me?
Any good lender will want to know more about your financial situation before they give you an idea of which type of loan is best for you. There are all different types of loans out there and it is important to know they are finding the best loan for you. Make sure they are doing their due diligence before determining the best loan type for you.
How much house can I afford?
Before you are able to start seriously looking at homes, you will want to know how much house you can afford. There are more factors going into a loan than how much money you make, you may be surprised at how much or little you can afford! Make sure to get a clear idea from your lender before you start looking at homes to purchase.
What would my interest rate be?
A good interest rate is one of the most important factors when buying a home. Make sure you are clear on your interest rate and when you might be eligible to refinance into a new interest rate if your starting rate is higher than you would like.
Will I have to pay private mortgage insurance?
Depending on your loan type and how much money you are putting down, you may have to pay mortgage insurance.
What are all the costs I am responsible for?
Be sure that you understand what costs you are responsible for as a buyer. Aside from closing costs, there is also an inspection, appraisal and other costs during escrow that a buyer is typically responsible for.
What will my monthly payment be?
Based off of interest rate, down payment, loan type, mortgage insurance etc, your monthly payment will vary. Be sure you have a breakdown of what your final monthly payment will be.
What costs am I responsible for at closing?
It is hard to know the total cost of closing leading up to the day, but your lender should be able to give you a pretty good number of what you will be responsible for at closing.
Are there any other costs or fees I should be aware of?
There are plenty of fees associated with purchasing a home, be sure you know everything you will be responsible for during this process.
What else do you expect to need from me?
During this process there are a lot of documents, pay stubs, bank statements and more that your lender will need. It is always great to know up front what they might need so you have time to find those documents and deliver it to your lender on time.
Do I qualify for any grants or down payment assistance programs?
You may be surprised at how many grants and down payment assistance programs are out there! It’s your lender’s job to make sure you get the best mortgage loan and monthly payment. Make sure you ask the right questions to get the most affordable mortgage for you.

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