Virginia Investment Property & Home Loans
Rockhouse Mortgage specializes in investor loans and residential mortgages throughout Virginia. From fix & flip projects to rental properties and first-time home purchases, we provide the financing solutions you need.
Virginia Investment Property Loans
Whether you are purchasing your first rental property, expanding an existing portfolio, or financing a renovation project, Rockhouse Mortgage can help evaluate the property, borrower profile, and exit strategy before matching the deal with an appropriate lender.
Fix-and-Flip Loans
Short-term financing may be available for the purchase and renovation of Virginia investment properties.
- Financing for acquisition and eligible renovation costs
- Loan structure may consider purchase price, renovation budget, and after-repair value
- Programs available for new and experienced investors
- Credit, liquidity, experience, property condition, and project scope affect eligibility
- Rates, fees, leverage, and closing timelines vary by lender and transaction
Rental Property and DSCR Loans
Financing options for investors purchasing or refinancing long-term and short-term rental properties.
- Qualification may be based primarily on the property’s rental income
- Purchase, rate-and-term refinance, and cash-out refinance options may be available
- LLC ownership may be permitted
- Options may be available for single-family homes, condos, townhomes, and 2–4 unit properties
- DSCR requirements, maximum LTV, reserves, credit standards, and eligible income methods vary by lender
Land and Construction Financing
Financing may be available for eligible land purchases, construction projects, and residential development scenarios.
- Raw land and improved lot options
- Ground-up construction financing
- Construction-to-permanent options for eligible owner-occupied projects
- Investor construction programs for eligible projects
- Down payment, experience, liquidity, plans, budget, permits, and property location affect available options
Virginia Home Loans
Rockhouse Mortgage also offers traditional mortgage options for eligible Virginia homebuyers and homeowners. Every program remains subject to credit, income, assets, property eligibility, automated or manual underwriting, and applicable agency or lender requirements.
Conventional Loans
Traditional mortgage options for eligible Virginia homebuyers and homeowners.
- Primary residence, second-home, and investment-property options
- Low-down-payment programs may be available for eligible borrowers
- Fixed-rate and adjustable-rate options
- Mortgage insurance requirements depend on the loan structure
- Conforming and jumbo options may be available
FHA Loans
Government-backed loans for eligible primary-residence borrowers.
- Down payments as low as 3.5% may be available for eligible borrowers
- Primary residences only
- Gift funds and approved down-payment-assistance programs may be permitted
- Property and appraisal requirements apply
- Subject to current FHA and lender underwriting requirements
VA Loans
Mortgage options for eligible veterans, active-duty service members, and qualifying surviving spouses.
- Available to eligible veterans, active-duty service members, and qualifying surviving spouses
- No-down-payment financing may be available
- No monthly private mortgage insurance
- VA funding fee may apply unless the borrower is exempt
- Occupancy, entitlement, credit, income, residual-income, and property requirements apply
USDA Loans
Rural development loan options for eligible properties and borrowers.
- No-down-payment financing may be available for eligible borrowers
- Household-income limits apply
- The property must be located in a USDA-eligible area
- Primary residences only
- Credit, repayment ability, property, and agency requirements apply
Serving All of Virginia
We provide mortgage services throughout the Commonwealth of Virginia
Don't see your city? We serve all of Virginia! Contact us to discuss your specific location.
Why Choose Rockhouse Mortgage for Your Virginia Loans?
Investor-Focused Experience
Work directly with a mortgage broker experienced in DSCR, fix-and-flip, rental-property, Non-QM, and traditional residential financing.
Multiple Lender Options
Rockhouse Mortgage compares available wholesale lender programs to identify a structure that fits the borrower, property, and transaction.
Deal Structuring Before Submission
Potential issues involving LTV, DSCR, credit, reserves, documentation, property eligibility, or lender overlays are reviewed before the loan is submitted whenever possible.
Direct Communication
Borrowers and referral partners work directly with Harry Hager throughout the loan process.
Ready to Get Started with Your Virginia Loan?
Whether you're investing in Virginia real estate or buying your dream home, we're here to help you secure the financing you need.
Loan programs, rates, fees, terms, and eligibility requirements are subject to change without notice. All loans are subject to credit, income, asset, property, and underwriting approval. This information is for educational purposes only and is not a commitment to lend.
Rockhouse Mortgage, LLC | NMLS #2469785 | Licensed by the Virginia Bureau of Financial Institutions | Equal Housing Lender.