Compare Mortgage Lenders in Winchester, VA
Looking for a mortgage lender in Winchester? Review the directory below to compare your options.
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the
State Mortgage Licensing Authority of Virginia before hiring.
Showing 20 mortgage lenders in Winchester, VA
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
What Does a Mortgage Lender in Winchester Cost?
Typical costs for a mortgage in Virginia include an origination fee of 0.5 to 1 percent of the loan amount. Appraisal fees range from 400 to 700 dollars. Title insurance and settlement fees in Virginia often total 1500 to 3000 dollars. Closing costs generally run 2 to 5 percent of the purchase price. This is general information and not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What documents do I need for a mortgage in Winchester Virginia?
You typically need pay stubs W-2 forms tax returns bank statements and photo ID. Virginia lenders also require a valid government issued ID and proof of residency. Self employed borrowers may need additional tax documents.
How long does the mortgage process take in Virginia?
The average mortgage process in Virginia takes 30 to 45 days from application to closing. Virginia law requires a three day right of rescission for refinances. Delays can occur if appraisal or title work takes longer.
What are Virginia specific mortgage programs?
Virginia Housing offers down payment assistance and low interest loans for first time buyers. The Virginia State Corporation Commission regulates all mortgage lenders. Some Winchester lenders also offer USDA loans for rural areas in Frederick County.