NMLS #2924 • Licensed in VA & CO
Virginia First-Time Homebuyers

Find Your Path to Homeownership
Across Virginia

City-specific guides covering buying power, down payment programs, FHA and VA loan options, and your personalized Pre-Qualification Letter — all in one place.

Chat With Quinn, Our AI Mortgage Assistant →

Virginia City Guides

Select your city for a personalized first-time homebuyer guide, buying power calculator, and Pre-Qualification Letter.

Abingdon→Alexandria→Arlington→Blacksburg→
Bristol→Buena Vista→Charlottesville→Christiansburg→
Covington→Culpeper→Danville→Fairfax→
Falls Church→Fredericksburg→Front Royal→Galax→
Gordonsville→Harrisonburg→Herndon→Hopewell→
Leesburg→Lovettsville→Luray→Lynchburg→
Manassas→Martinsville→Middleburg→Orange→
Petersburg→Purcellville→Radford→Reston→
Richmond→Roanoke→Salem→Staunton→
Vienna→Waynesboro→Winchester→Wytheville→

Why 1st Nations Mortgage?

We specialize in helping first-time buyers navigate Virginia's housing market.

🏡
First-Time Buyer Programs
Access FHA loans with 3.5% down, USDA zero-down programs, and Virginia Housing down payment grants — we'll match you to the right program.
⚡
Instant Pre-Qualification
Answer a few questions and receive your Pre-Qualification Letter in minutes — ready to submit with your offer.
💬
AI Mortgage Assistant
Quinn, our AI mortgage assistant, is available 24/7 to answer questions about rates, loan types, and what you can afford.

Get Your Rate & Pre-Qualification

Use our rate calculator to see today's 30-year fixed rate based on your credit score and loan amount, then get your Pre-Qualification Letter in minutes.

See Today's Rates →