How much house can you afford in Virginia Beach? See your maximum price, monthly payment and pre-approval estimate. Free, instant, no credit check.
Updated · current rates and lending limits
Add your partner's income if you're buying together.
Car loans, credit cards, lines of credit, student loans. Not rent.
Enter your yearly household income.
Savings and gifts from family count. Many first-time buyer loans need just 3% down; under 20% you pay mortgage insurance.
7.40% (Freddie Mac 30-year average, October 2026). Change it if you've been quoted a rate.
Enter your down payment.
| After | Paid in total | Still owed |
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Atlantic Bay Mortgage Group - Virginia Beach
5.0 · 2471 reviews · Free pre-approval
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Tidewater Mortgage Services, Inc. NMLS #: 71158
4.9 · 1507 reviews · Free pre-approval
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CMS Mortgage Solutions, Inc.
4.9 · 875 reviews · Free pre-approval
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An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.
Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →
With over 30 years of experience, Atlantic Bay Mortgage Group focuses on making the mortgage process clear and personalized. They offer home purchase and refinancing services, along with helpful guides for first-time buyers and refinancing options. Customers appreciate their consistent communication and supportive approach throughout the loan process.
Licensed across multiple states, Tidewater Mortgage Services, Inc. focuses on matching clients with mortgage options tailored to their unique financial situations and long-term goals. The team offers purchasing and refinancing loans, guiding borrowers through each step with clear communication and personalized attention. Customers appreciate the responsive, patient support that helps make the… more...
Licensed across multiple states, Tidewater Mortgage Services, Inc. focuses on matching clients with mortgage options tailored to their unique financial situations and long-term goals. The team offers purchasing and refinancing loans, guiding borrowers through each step with clear communication and personalized attention. Customers appreciate the responsive, patient support that helps make the mortgage process straightforward.
CMS Mortgage Solutions, Inc. offers knowledgeable and friendly mortgage brokerage services, guiding clients through every step of the loan process with clear instructions and regular updates. The team handles loan structuring and timelines efficiently, though some customers have noted communication gaps during major changes. Many appreciate their professionalism and fast service when securing… more...
CMS Mortgage Solutions, Inc. offers knowledgeable and friendly mortgage brokerage services, guiding clients through every step of the loan process with clear instructions and regular updates. The team handles loan structuring and timelines efficiently, though some customers have noted communication gaps during major changes. Many appreciate their professionalism and fast service when securing properties.
Known for clear communication and patient guidance, First Signature Mortgage, LLC helps first-time homebuyers navigate financing with confidence. Their team supports clients through every step, answering questions thoroughly and keeping the process on track. Some customers note that responsiveness can vary, but most appreciate the attentive service.
Known for offering a wide range of loan options including USDA, FHA, VA, and Conventional loans, Southern Trust Mortgage, LLC focuses on guiding clients through the homebuying process with personalized support. Customers appreciate the team’s clear communication and proactive approach, though some note occasional delays in loan processing.
About VA Choice Home MortgageVA Choice Home Mortgage has been dedicated to helping clients achieve their homeownership dreams for many years, demonstrating a deep passion for their work. As a top-rated local mortgage brokerage serving Virginia Beach and the entire Hampton Roads area, they specialize in securing the ideal home financing solutions tailored to individual needs. Their expertise lies… more...
About VA Choice Home MortgageVA Choice Home Mortgage has been dedicated to helping clients achieve their homeownership dreams for many years, demonstrating a deep passion for their work. As a top-rated local mortgage brokerage serving Virginia Beach and the entire Hampton Roads area, they specialize in securing the ideal home financing solutions tailored to individual needs. Their expertise lies in offering competitive rates and personalized guidance on powerful loan programs, including VA Loans, FHA Mortgages, and Conventional Home Loans. Whether assisting first-time homebuyers, veterans, or those looking to refinance, VA Choice Home Mortgage prioritizes a straightforward process and local knowledge, ensuring clients receive clear, reliable advice without the typical complexities associated with lenders. They are committed to making the journey to homeownership smooth and successful for their clients.Why Choose UsVA Choice Home Mortgage is recognized as a top-rated local mortgage brokerage, consistently delivering expert service to the Virginia Beach and Hampton Roads communities. They specialize in securing optimal home financing by offering competitive rates and personalized guidance on key loan programs such as VA Loans, FHA Mortgages, and Conventional Home Loans. Their commitment to a straightforward process, combined with deep local market expertise, ensures clients receive clear and dependable advice, distinguishing them from other lenders. Client testimonials frequently highlight their responsiveness, knowledge, and ability to make the mortgage process seamless and stress-free, often securing low rates and facilitating timely closings.VA Choice Home Mortgage OffersVA Choice Home Mortgage provides a comprehensive suite of mortgage solutions designed to meet diverse client needs. They are experts in VA Loans, offering benefits like $0 down payment and zero PMI, making homeownership accessible for veterans. For those seeking FHA Loans, they facilitate options with a 3.5% down payment, 100% financing, and accommodations for lower credit scores. Conventional Loans are also a specialty, providing low rates and the opportunity to avoid Private Mortgage Insurance (PMI) with a 20% down payment. Beyond these core offerings, they guide clients through the entire loan process, provide essential resources like mortgage calculators and online forms, and connect them directly with loan officers and realtors via the Loanzify App for a streamlined experience.Unique AdvantagesVA Choice Home Mortgage distinguishes itself through its specialized expertise in VA, FHA, and Conventional loans, offering tailored solutions for veterans and first-time homebuyers. They pride themselves on providing competitive rates and a streamlined, stress-free process, as frequently noted in client testimonials. Their local focus on the Virginia Beach and Hampton Roads area ensures personalized service and deep market understanding. Furthermore, their commitment to client education and support, exemplified by resources like mortgage calculators and direct access to loan officers, empowers borrowers throughout their homeownership journey.
Atlantic Coast Mortgage is known for clear communication and personalized loan guidance throughout the home-buying process. The team offers a range of mortgage options and takes time to explain details, helping clients feel confident and supported. Some customers note the process can be detailed, but appreciate the attentive service.
United Atlantic Mortgage specializes in VA Military Financing and offers a range of loan options, including FHA and conventional loans, with flexible credit requirements and fast closings. The team works closely with first-time buyers and military clients, providing clear guidance throughout the process, though some may find the pace brisk.
Atlantic Mortgage & Funding is known for helping clients secure competitive mortgage rates, often praised for smooth and straightforward loan processes. The team offers a range of mortgage services and works closely with borrowers to find suitable options. Some customers have expressed frustration with persistent marketing mailings despite requests to stop.
Specializing in VA and FHA loans, VA Wholesale Mortgage offers a streamlined digital process tailored to veterans, military families, and other homebuyers. Their team assists with purchase and refinance loans, providing detailed rate comparisons and personalized guidance. Customers appreciate their clear communication and thorough support throughout the lending journey.
Lenders made 5,715 home-purchase loans in Virginia Beach City County in 2025 (average about $415,000) and denied 424 — 7% of decided applications, compared with 11% across Virginia, according to federal mortgage data (HMDA, CFPB). In Virginia Beach, the median home is worth $382,500 and 74% of owners have a mortgage, paying a median $2,100 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Virginia Beach City County (originated vs denied); home values and costs: U.S. Census Bureau ACS 2020–2024. Compiled by TrustAnalytica.
| # | Business | Rating | Reviews | Starting price | Phone | Website |
|---|---|---|---|---|---|---|
| 1 | Atlantic Bay Mortgage Group - Virginia Beach | 5.0 | 2471 | — | (757) 213-1660 | Visit |
| 2 | Tidewater Mortgage Services, Inc. NMLS #: 71158 | 4.9 | 1507 | — | (757) 498-7400 | Visit |
| 3 | CMS Mortgage Solutions, Inc. | 4.9 | 875 | — | (757) 558-2603 | Visit |
| 4 | First Signature Mortgage, LLC | 5.0 | 407 | Quoted per loan | (276) 254-4965 | Visit |
| 5 | Southern Trust Mortgage, LLC | 4.8 | 368 | — | (757) 518-0700 | Visit |
| 6 | VA Choice Home Mortgage Inc. | 4.9 | 182 | — | (757) 739-5019 | Visit |
| 7 | Atlantic Coast Mortgage - Virginia Beach | 4.9 | 163 | — | (757) 364-0328 | Visit |
| 8 | United Atlantic Mortgage | 4.9 | 102 | — | (757) 340-5626 | Visit |
| 9 | Atlantic Mortgage & Funding | 4.5 | 86 | Quoted per loan | (866) 721-6084 | Visit |
| 10 | VA Wholesale Mortgage | 4.8 | 76 | — | (800) 244-4132 | Visit |
Lenders look at your debt-to-income ratio. Housing costs (principal and interest, property tax, homeowners insurance and mortgage insurance) should stay under about 31% of your gross monthly income, and housing plus your other monthly debts under 43%. The calculator finds the highest home price that passes both tests with your down payment, on a 30-year fixed loan.
An estimate, not a mortgage approval or pre-approval. Your credit, income type, the property and the lender all change the answer; a mortgage broker confirms your real number. Sources: Freddie Mac Primary Mortgage Market Survey (October 2026), U.S. Census Bureau American Community Survey 2024 property tax data, FHA and CFPB debt-to-income guidance.
General information, not financial advice — consult a qualified professional.