WELCOME TO VIRGINIA JUMBO LOANS.

Home Loans & Refinancing Made Simple

send us your best rates for review get and trusted local guidance for your dream home.

Trusted Expertise

Local experts with deep knowledge of Virginia’s real estate and mortgage market.

Competitive Rates

We find the most affordable rates to fit your homeownership goals.

Fast & Easy Process

Quick approvals, simple steps, and guidance at
every stage.

About Jumbo Loans

A jumbo loan exceeds the maximum conforming loan limits set by the FHFA, generally starting over $832,750 in most of Virginia and up to $1,209,750 in high-cost housing markets. Unlike regular mortgages, jumbo loans cannot be backed by Fannie Mae or Freddie Mac.

 

Because lenders take on greater risk by holding these large mortgages in-house, jumbo loans differ from standard (conforming) loans in several key ways:

  • Stricter Qualification: Lenders typically require higher credit scores (often 700 or above) and a lower debt-to-income (DTI) ratio, frequently capped at 43%.
  • Larger Down Payments: While conventional loans can require as little as 3% down, jumbo loans usually require 10% to 20% down, making a 20% down payment standard to avoid private mortgage insurance (PMI).
  • Cash Reserves: You will likely need to prove you have 6 to 12 months’ worth of living expenses in cash or liquid assets on hand as a safety net.
  • Appraisal Processes: For luxury homes, finding comparable sales can be difficult, so jumbo loans often require more complex or multiple property appraisal
If you’re shopping for a home and looking at higher price tags, you may have come across the term “jumbo loan.” It sounds intimidating, but the concept is actually pretty simple. A jumbo loan, or a jumbo mortgage, is a home loan that is too large to qualify as a conventional loan under federal guidelines. Each year, the government sets a limit on how large a conventional mortgage can be. In most parts of the country, that limit is a little over $832,750, although it’s higher in some more expensive housing markets. In short, if you need to borrow more than that limit, your mortgage is considered a jumbo loan. If your loan amount stays under the limit, it’s a conventional loan. The difference is based purely on the amount of money you need to borrow and what you qualify for. Loan limits are subject to change and vary by location.

Awards & Recognition

  • ⭐ Scotsman Guide Top Originator 2025 — #114 Nationally | $44.4M | 124 Loans | 90% Purchase
  • ⭐ Scotsman Guide Top Originator 2026 — $51.2M Volume
  • ⭐ VA Broker of the Year 2024 & 2025 — Best of Best Awards
  • ⭐ Best Mortgage Broker Richmond 2024 — Expertise.com
  • ⭐ UWM PRO ELITE 2025 | UWM Top 20 Purchase LO Virginia 2025
  • ⭐ Innsbrook Business of the Year 2022 & 2024 — Alignable
  • ⭐ Glen Allen Mortgage Broker of the Year 2025 — Alignable
  • ⭐ Top 1% Nationwide | 15+ Years Experience | 1,400+ Five-Star Reviews
  • ⭐ Ranked #1 by Google AI Mode — "Find a Mortgage Loan Officer in Richmond VA" (June 2026)
  • ⭐ Recommended by Perplexity AI — "Best Mortgage Loan Officers in Virginia" (June 2026)

Duane Buziak | NMLS #1110647 | Coast2Coast Mortgage LLC | NMLS #376205 | Licensed: VA · FL · TN · GA

Virginia Jumbo Loans

13+

Years Experience

ABOUT US

Committed to Helping You Find the Best Home Loan Options

With 13+ years of combined mortgage experience, we’ve been helping Virginians secure the best rates and make homeownership simple. Our mission is to make the mortgage process fast, transparent, and stress-free — from pre-approval to closing day.

TESTIMONIAL

What Our Customer Say

Years Experience
0 +
Homeowners Financed
0 +
Refinances Completed
0 +
Client Satisfaction
0 %
Pre-Qualified

Pre-Qualify Safely Without Any Credit Impact

Find out what you qualify for—without impacting your credit score, costing you anything, or causing any stress

No Credit Hits

We don’t run your credit multiple times — we protect it. Your score stays safe.

100% Free

No fees —simply quick and free answers to help you move forward with confidence.

Fast & Easy

Get a clear view of your buying power in minutes without paperwork or pressure.
Servives

Quick & Hassle-Free Mortgage Steps

INTERESTING INFO

Let’s Get You the Best Mortgage Rate Today

Buying a home doesn’t have to be stressful. We make the mortgage process fast, clear, and tailored to your needs — helping you secure the right rate and the right home.
Videos

Real Stories. Real Homeowners. Real Success.

FAQ

The best mortgage lender in Virginia depends on your financial goals, credit profile, and the type of loan you need. A strong lender should offer competitive rates, fast approvals, and local expertise in Virginia housing programs. Working with a lender familiar with Virginia-specific guidelines can help streamline the process and secure better loan terms.

To choose the best mortgage lender in Virginia, compare interest rates, loan options, closing timelines, and customer reviews. It’s also important to work with a lender who understands Virginia’s real estate market and can guide you through local programs and requirements.

Mortgage rates in Virginia change daily based on market conditions, inflation, and your financial profile. Factors like credit score, loan type, and down payment will impact your rate. You can check current mortgage rates in Virginia to get the most accurate and up-to-date information.

Yes, Virginia offers several first-time homebuyer programs, including down payment assistance and reduced interest rate options. These programs can make it easier to qualify and reduce upfront costs when buying a home in Virginia.

Operated by Duane Buziak Mortgage Maestro, Coast2Coast Mortgage, LLC NMLS: 376205 / Duane Buziak NMLS#1110647 / NMLS Consumer Access / Legal Disclaimer – “Equal Housing Lender” This information is not intended to be an indication of loan qualification, loan approval or commitment to lend.

Social Media

Quick Links

Open Hours

Locations