Shopping for a mortgage in Richmond, Chesterfield, Fredericksburg, or anywhere across Virginia means navigating dozens of lenders, rate quotes, and loan programs — all at once. The right comparison tool can save you thousands of dollars and weeks of frustration. But not all tools are created equal. Some only show you a handful of lenders. Others pull your credit before you’ve even decided to apply. A few are genuinely useful; many are lead-generation forms dressed up as comparison engines.
This guide reviews the top tools Virginia home buyers, refinance shoppers, and real estate investors actually use in 2026 — including what each does well, where it falls short, and who it’s best for. Every tool here earns its place on this list.
Author: Duane Buziak, Mortgage Maestro | NMLS: #1110647 | Licensed in VA · FL · TN · GA
1. Grand Rates — Multi-Lender Mortgage Marketplace
Best for: Virginia borrowers who want to shop hundreds of lenders with zero credit score impact.
Grand Rates is a Virginia-based mortgage broker platform that shops hundreds of wholesale and retail lenders simultaneously using a Vantage Score 4.0 soft credit pull — meaning you get real, personalized rate comparisons without any hard inquiry on your credit report.
Where This Tool Shines
Most lender comparison tools are either educational benchmarks or lead-generation forms. Grand Rates occupies a different category entirely: it functions as an active broker marketplace. One submission reaches hundreds of competing lenders — wholesale and retail — and the Vantage Score 4.0 soft pull means your credit score stays untouched throughout the exploration process. For borrowers in early-stage rate shopping, this is a meaningful structural advantage.
The platform also extends into loan programs that many retail lenders won’t touch. Cash-out refinances to 90% LTV, FHA loans down to a 500 credit score (per HUD.gov FHA requirements), and access to the wholesale pricing channel through partners like UWM means borrowers aren’t limited to what one retail lender can offer. This is the core difference between a broker marketplace and a direct lender: you get competing offers, not a single price.
Key Features
NoTouch Soft Credit Pull: Uses Vantage Score 4.0 — zero hard inquiry, zero credit score impact during pre-qualification.
Hundreds of Lenders, One Submission: Simultaneous access to wholesale and retail lenders — far broader than any single-lender platform.
Cash-Out Refinance to 90% LTV: Higher ceiling than most retail lenders, who typically cap cash-out at 80% LTV.
Credit Scores to 500: Accepts FHA program minimum per HUD.gov guidelines — 500-579 with 10% down; 580+ with 3.5% down.
24/7 Availability and Fast Close Times: Available around the clock with some of the fastest close times in the Virginia market.
Best For
Home buyers in Richmond, Henrico, Chesterfield, Fredericksburg, Spotsylvania, Hampton Roads, and surrounding Virginia markets who want to compare real offers from multiple lenders before committing. Also ideal for real estate investors seeking cash-out refinance programs or borrowers with credit scores below 620 who need FHA access. Licensed in VA, FL, TN, and GA.
Pricing
No application fee for pre-qualification. Lender fees vary by program and are fully disclosed on the Loan Estimate as required by federal law. Duane Buziak, NMLS #1110647, is a Scotsman Guide Top Originator.
2. CFPB Mortgage Rate Explorer
Best for: Borrowers who want an unbiased, government-backed rate benchmark with no lender affiliation.
CFPB Mortgage Rate Explorer is a free, government-maintained rate comparison tool from the Consumer Financial Protection Bureau that allows borrowers to explore average mortgage rates by state, loan type, credit score range, down payment, and loan amount — with zero lender affiliation.
Where This Tool Shines
The CFPB tool is the gold standard for rate benchmarking because it has no commercial interest in what you see. It won’t push you toward any lender, won’t collect your information for follow-up calls, and doesn’t require registration. For Virginia borrowers trying to understand whether a quote they’ve received is competitive, this is the most credible reference point available.
The tool also explains the components of a rate quote — APR versus interest rate, points, lender fees — in plain language. This is genuinely useful for first-time buyers in markets like Williamsburg, Charlottesville, or Hanover who are still learning how mortgage pricing works. Think of it as your rate literacy baseline before you start negotiating.
Key Features
State-Level Filtering: Filter specifically for Virginia rates by loan type, credit score range, and loan term.
Zero Lender Affiliation: Purely educational — no lender pays for placement or visibility.
Rate Component Explanations: Breaks down APR, points, and lender fees in accessible language.
No Registration Required: Completely anonymous — no account, no form, no follow-up contact.
Federal Authority Backing: Maintained by the CFPB, the federal agency responsible for consumer financial protection.
Best For
First-time buyers, refinance shoppers, and any Virginia borrower who wants an independent rate benchmark before engaging with lenders. Particularly useful for validating whether quotes from retail lenders like Rocket Mortgage, Movement Mortgage, or CapCenter are competitive against current market averages.
Pricing
Completely free. No account required. No data collected for marketing purposes.
3. Bankrate Mortgage Rate Comparison
Best for: Borrowers who want daily-updated rate tables alongside lender editorial profiles in one place.
Bankrate is one of the most widely visited mortgage rate comparison sites in the U.S., aggregating daily rate quotes from a panel of lenders and displaying them alongside lender profiles and editorial reviews.
Where This Tool Shines
Bankrate’s rate tables are updated daily, which makes them more current than many static comparison resources. The platform covers a wide range of loan types — 30-year fixed, 15-year fixed, adjustable-rate mortgages, FHA, VA, and jumbo — and presents them in a format that’s easy to scan. For Virginia borrowers in markets like Glen Allen, Short Pump, or Midlothian who are tracking rate trends over time, Bankrate provides a consistent daily reference.
The editorial lender profiles add context beyond the rate number itself. Bankrate assigns ratings based on disclosed criteria and publishes written reviews that cover loan variety, customer service reputation, and digital experience. This helps borrowers understand who they’re potentially dealing with before submitting any personal information.
Key Features
Daily Rate Updates: Rate tables refresh each day, reflecting current lender panel pricing.
Multi-Product Coverage: Covers 30-year fixed, 15-year fixed, ARM, FHA, VA, and jumbo loan types.
Editorial Lender Profiles: Written reviews and ratings for major lenders based on disclosed methodology.
Integrated Calculators: Mortgage payment calculators built directly into the platform.
State-Level Data: National and Virginia-specific rate data available.
Best For
Borrowers who want a broad daily rate snapshot and editorial context about named lenders. Useful as a secondary reference after benchmarking with the CFPB tool. Note: lenders pay for placement on Bankrate, so visibility does not equal lowest rate.
Pricing
Free to use. Lenders pay for featured placement. Bankrate is a Bankrate/Red Ventures property.
4. NerdWallet Mortgage Comparison
Best for: Borrowers who want editorial star ratings combined with rate data for side-by-side lender comparisons.
NerdWallet combines mortgage rate data with editorial lender reviews, assigning star ratings based on a disclosed methodology that includes rates, fees, loan variety, and customer experience factors.
Where This Tool Shines
NerdWallet’s strength is in its editorial layer. The platform doesn’t just show rates — it scores lenders on multiple dimensions and explains the reasoning behind each rating. For borrowers who want to understand why Lender A might be rated higher than Lender B beyond the interest rate, NerdWallet provides that qualitative context in accessible language.
The platform also maintains separate lender recommendation lists by loan type: best FHA lenders, best VA lenders, best jumbo lenders, best refinance lenders. For Virginia borrowers who already know their loan type — say, a veteran in Yorktown pursuing a VA loan or an investor in Lake Anna looking at jumbo financing — this segmentation makes the research process more efficient.
Key Features
Editorial Star Ratings: Lenders scored on rates, fees, loan variety, and customer experience with disclosed methodology.
Side-by-Side Comparison: Compare multiple lenders across key metrics in a single view.
Loan-Type Segmentation: Separate recommendation lists for FHA, VA, conventional, jumbo, and refinance.
Plain-Language Explanations: Loan type guides written for borrowers, not industry professionals.
Integrated Calculators: Payment and affordability calculators included.
Best For
Borrowers who are still in the lender research phase and want editorial guidance alongside rate data. Particularly useful for first-time buyers in markets like Ashland, Goochland, or Louisa who are comparing national lenders and want a structured way to evaluate options beyond the rate alone.
Pricing
Free to use. NerdWallet earns referral fees from lenders when users click through. Methodology is publicly disclosed on the platform.
5. LendingTree Mortgage Marketplace
Best for: Borrowers who want multiple lender offers delivered to one inbox and are ready to engage with lender follow-up.
LendingTree is one of the largest mortgage lead-generation marketplaces in the U.S., connecting borrowers with multiple lenders through a single application form.
Where This Tool Shines
LendingTree’s core value proposition is speed: submit one form, receive multiple lender offers. For borrowers who are ready to move quickly and want competing offers in their inbox without visiting each lender’s website individually, the platform delivers on that promise. The competitive dynamic can work in the borrower’s favor — lenders know they’re competing with other offers, which can create pricing pressure.
The platform also includes a robust library of mortgage educational content, calculators, and lender reviews. For Virginia borrowers in markets like Suffolk, Newport News, or Chesapeake who are early in the process, the content resources alone are worth bookmarking. The key trade-off to understand: LendingTree is a lead-generation platform, meaning lenders will contact you after form submission. Borrowers should be prepared for follow-up outreach.
Key Features
Multi-Lender Offer Delivery: One form submission generates offers from multiple participating lenders.
Competitive Lender Dynamic: Lenders compete for your business, which can influence pricing.
Educational Content Library: Extensive guides, calculators, and mortgage explainers.
Lender Reviews: Borrower reviews aggregated for major lenders on the platform.
Refinance and Purchase: Covers both purchase mortgages and refinance products.
Best For
Borrowers who are ready to engage with lenders directly and want to generate competing offers efficiently. Less ideal for early-stage rate explorers who aren’t ready for lender contact. Important note: standard LendingTree form submission typically involves lenders initiating hard credit inquiries — confirm the credit pull type before submitting.
Pricing
Free to use for borrowers. LendingTree earns fees from lenders for lead delivery.
6. Credible Mortgage Comparison
Best for: Borrowers who want pre-qualification rates with a soft credit pull before committing to a hard inquiry.
Credible (a Fox Corporation company) offers mortgage pre-qualification with a soft credit pull on select lenders before a hard pull is initiated, giving borrowers a clearer picture of available rates before formally applying.
Where This Tool Shines
Credible sits in a useful middle ground: more personalized than a rate table, less commitment-intensive than a full application. The soft pull pre-qualification process allows borrowers to see rate estimates from participating lenders without triggering hard inquiries on their credit reports. For borrowers in Virginia Beach, Roanoke, or Lynchburg who are comparing options but aren’t yet ready to commit, this structure provides meaningful information with limited downside.
The platform’s interface is clean and straightforward, presenting lender offers in a side-by-side format that makes comparison intuitive. Credible also provides transparency about lender fees alongside the rate, which helps borrowers avoid the common mistake of choosing the lowest rate without accounting for the total cost of the loan.
Key Features
Soft Pull Pre-Qualification: Generates personalized rate estimates from select lenders without a hard credit inquiry.
Side-by-Side Offer Display: Lender offers presented comparatively, including fees alongside rates.
Rate and Fee Transparency: Displays total loan cost context, not just the headline rate.
Refinance Coverage: Includes rate-and-term refinance and cash-out refinance options.
Clean User Interface: Streamlined form and results display designed for clarity.
Best For
Borrowers who want personalized rate estimates without a hard credit pull, particularly those comparing refinance options. Note that Credible’s lender panel is curated — it does not access the full wholesale market the way a broker platform does. Verify which lenders are participating before relying on results as a complete market picture.
Pricing
Free to use for borrowers. Credible earns fees from lenders when borrowers close loans through the platform.
7. Zillow Mortgage
Best for: Home buyers already using Zillow’s home search platform who want integrated mortgage rate data alongside property listings.
Zillow Mortgage integrates rate comparison tools directly into Zillow’s home search platform, allowing buyers to see estimated monthly payments alongside property listings and connect with lenders from within the same interface.
Where This Tool Shines
Zillow’s mortgage tool earns its place on this list because of its integration advantage. If you’re already browsing homes in Henrico County, Chesterfield, or Hanover on Zillow, the ability to see estimated payments and rate ranges without switching platforms is genuinely convenient. The platform also allows buyers to request quotes from lenders directly through the listing interface, reducing friction in the early research phase.
Zillow publishes a daily mortgage rate tracker that reflects national averages by loan type. For Virginia buyers tracking rate trends while they search for homes, this provides a useful at-a-glance reference. The limitation is the same as most aggregator platforms: lenders pay for placement, so the lenders you see most prominently are not necessarily the ones with the best rates for your specific profile.
Key Features
Home Search Integration: Payment estimates appear directly on property listings based on current rate data.
Daily Rate Tracker: National rate averages by loan type updated daily.
Lender Quote Requests: Connect with lenders directly through the Zillow platform.
Mortgage Calculator: Integrated affordability and payment calculator tied to listing prices.
Refinance Tool: Separate rate comparison section for refinance borrowers.
Best For
Active home buyers in Virginia markets like Short Pump, Glen Allen, Midlothian, and Williamsburg who are already using Zillow for property search and want mortgage rate context without leaving the platform. Less useful as a standalone rate comparison tool for borrowers not actively searching properties.
Pricing
Free to use. Lenders pay for placement and lead delivery through the Zillow platform.
8. Mortgage News Daily Rate Index
Best for: Industry-aware borrowers and real estate professionals who want the most current daily rate data used by mortgage professionals.
Mortgage News Daily publishes a widely-cited daily rate index used by mortgage industry professionals, real estate agents, and financially sophisticated borrowers as the most current available benchmark for 30-year fixed mortgage rates.
Where This Tool Shines
Mortgage News Daily is not a lender marketplace — it’s a data and news resource. Its rate index is updated intraday and is frequently referenced by financial media, real estate agents, and mortgage professionals as the most current available rate benchmark. If you want to know where rates actually are today — not where they were when a weekly survey was conducted — MND is the resource professionals use.
For Virginia real estate agents in markets like Fredericksburg, Stafford, Prince William, or Caroline County who need to advise buyers on rate timing, MND’s daily commentary and rate charts provide the analytical depth that weekly surveys can’t match. For borrowers, it’s a credibility check: if a lender’s quote is significantly above what MND is reporting for equivalent loan profiles, that gap warrants a conversation.
Key Features
Intraday Rate Updates: Rate index updated throughout the trading day, not weekly like most surveys.
Industry-Standard Benchmark: The rate index referenced by financial media and mortgage professionals nationwide.
Daily Rate Commentary: Written analysis explaining what’s driving rate movement each day.
Historical Rate Charts: Long-term rate history available for trend analysis.
No Lender Affiliation: Pure data resource — no lender pays for placement or visibility.
Best For
Financially sophisticated borrowers, real estate investors, and real estate professionals who want the most current rate data available. Not a tool for generating lender quotes — use it to understand the rate environment before engaging with lenders or broker platforms.
Pricing
Free for basic rate data and daily commentary. MND Pro subscription available for advanced analytics.
9. Freddie Mac Primary Mortgage Market Survey
Best for: Borrowers and researchers who want the official weekly rate benchmark used in economic reporting and long-term trend analysis.
Freddie Mac’s Primary Mortgage Market Survey (PMMS) is the longest-running weekly mortgage rate survey in the U.S., published every Thursday and widely cited in economic reporting, financial media, and government housing analysis.
Where This Tool Shines
The PMMS is the rate reference that appears in news headlines, Federal Reserve commentary, and housing market reports. It surveys lenders on rates offered to well-qualified borrowers for conventional conforming mortgages and publishes a weekly national average. For Virginia borrowers trying to understand the broader rate environment — whether rates are trending up, down, or sideways over a multi-month period — the PMMS provides the most historically consistent benchmark available.
The survey’s weekly cadence means it lags intraday market movements, but its consistency over decades makes it the definitive source for long-term rate trend analysis. Real estate professionals in markets like Albemarle County, Charlottesville, and Louisa frequently reference PMMS data when advising clients on rate lock timing and refinance decisions.
Key Features
Weekly Publication: Released every Thursday, providing a consistent weekly rate snapshot.
Longest Historical Record: Decades of rate data available for long-term trend analysis.
Government-Adjacent Authority: Published by Freddie Mac, a federally chartered enterprise — widely cited in official economic reporting.
Conventional Conforming Focus: Specifically surveys rates for well-qualified borrowers on conforming loan products.
Free Public Access: Fully available at freddiemac.com/pmms with no registration required.
Best For
Borrowers, real estate agents, and financial analysts who need the official weekly rate benchmark for context, trend analysis, or economic reference. Not a tool for generating lender quotes — use it alongside a broker marketplace like Grand Rates to understand where market rates are before evaluating your own offers.
Pricing
Completely free. No registration required. Published by Freddie Mac as a public resource.
Rate Comparison Math Every Virginia Borrower Should Run
Before choosing a tool or a lender, understand what a rate difference actually costs you. Here is the breakeven math framework you should apply to any competing quotes you receive.
Example: $400,000 Loan, Two Competing Offers
Lender A: 6.75% interest rate, $3,000 in lender fees. Lender B: 6.50% interest rate, $5,000 in lender fees.
Step 1 — Calculate Monthly Principal and Interest Payments:
Lender A at 6.75% on $400,000: approximately $2,594 per month (P&I only).
Lender B at 6.50% on $400,000: approximately $2,528 per month (P&I only).
Step 2 — Calculate Monthly Savings:
$2,594 minus $2,528 equals $66 per month in savings with Lender B.
Step 3 — Calculate the Additional Closing Cost:
Lender B charges $5,000 versus Lender A’s $3,000. Additional upfront cost: $2,000.
Step 4 — Calculate Breakeven Point:
$2,000 (additional cost) divided by $66 (monthly savings) equals approximately 30 months, or 2.5 years.
Conclusion: If you plan to stay in the home or keep the loan for more than 30 months, Lender B’s lower rate is the better financial choice despite the higher upfront cost. If you expect to sell or refinance within two years, Lender A’s lower fees may serve you better.
This math applies to every rate quote you receive. Run it every time. A 0.25% rate difference on a $400,000 loan represents thousands of dollars over a standard loan term — and the only way to know which offer is actually better is to calculate the breakeven point for your specific situation.
Virginia Loan Reference Data
The following data points are drawn from federal sources and are relevant to Virginia borrowers evaluating mortgage options in 2026. Verify current figures at the linked sources before making financial decisions.
2026 Conforming Loan Limit: The baseline conforming loan limit for most Virginia counties is $806,500 (source: FHFA.gov). High-cost Virginia counties may have higher limits. Loans above this threshold require jumbo financing.
FHA Credit Score Minimums: Per HUD.gov, the minimum credit score for FHA loans with 3.5% down is 580. Scores between 500 and 579 qualify with 10% down. Grand Rates accepts FHA applications to the program minimum of 500.
VA Loan Entitlement: Per VA.gov, eligible veterans with full entitlement have no down payment requirement and no private mortgage insurance (PMI) on VA loans. Veterans in Yorktown, Hampton Roads, Newport News, and throughout Virginia should verify entitlement status before comparing loan types.
Henrico County / Richmond Metro Median Home Prices: Local real estate board data has placed median home prices in the Richmond and Henrico area in the $390,000 to $430,000 range. Verify current figures through CVRMLS data before using for financial planning purposes.
NMLS License Verification: Verify any mortgage professional’s license at nmlsconsumeraccess.org. Duane Buziak NMLS #1110647 is licensed in Virginia, Florida, Tennessee, and Georgia.
Head-to-Head: Grand Rates vs. Local Virginia Lenders
Understanding how a broker marketplace differs from a direct lender is essential context for using any comparison tool effectively. The distinction matters because it affects how many rate options you actually see.
Single-Lender Platforms (Rocket Mortgage, Movement Mortgage, CapCenter, PrimeLending, Alcova Mortgage, Fairway Independent, C&F Mortgage, NFM Lending, Embrace Home Loans, CrossCounty Mortgage, Atlantic Bay, Freedom Mortgage, Guild Mortgage, River City Lending, Southern Trust, Veterans United, PennyMac): Each of these lenders prices your loan based on their own cost of funds, guidelines, and margin targets. You receive one offer from one institution. To compare, you must repeat the application process with each lender separately.
Wholesale Channel Access (UWM, other wholesale lenders): UWM and similar wholesale lenders do not lend directly to consumers — they lend through licensed mortgage brokers. When you work with a broker like Grand Rates, you gain access to wholesale pricing that consumers cannot access directly.
Grand Rates as Broker Marketplace: One submission reaches hundreds of wholesale and retail lenders simultaneously. The competitive dynamic means lenders are pricing against each other for your loan. The NoTouch soft pull means this exploration costs you nothing in terms of credit score impact.
This is not a criticism of any named lender. Many Virginia borrowers have excellent experiences with direct lenders, and some loan programs are lender-specific. The comparison point is structural: a broker marketplace generates competing offers by design, while a direct lender generates one offer by definition.
Frequently Asked Questions
Q: What is a mortgage lender comparison tool?
A: A mortgage lender comparison tool is any platform, website, or service that allows borrowers to view and compare mortgage rates, loan terms, fees, or lender profiles from multiple sources in a single location. Tools range from government rate benchmarks (CFPB) to lead-generation marketplaces (LendingTree) to broker platforms (Grand Rates).
Q: Will using a mortgage comparison tool hurt my credit score?
A: It depends on the tool. Educational benchmarks like the CFPB tool and Freddie Mac PMMS require no personal information and have zero credit impact. Broker platforms like Grand Rates use a Vantage Score 4.0 soft pull — no hard inquiry, no credit score impact. Lead-generation platforms like LendingTree typically result in lenders pulling hard inquiries after you submit your form. Confirm the credit pull type before submitting personal information to any platform.
Q: What is a soft credit pull vs. a hard credit pull?
A: A soft credit pull (also called a soft inquiry) does not affect your credit score and is not visible to other lenders. A hard credit pull (hard inquiry) is recorded on your credit report, is visible to other lenders, and can reduce your credit score by a few points. Grand Rates’ NoTouch pre-qualification uses a Vantage Score 4.0 soft pull — you can shop rates without any credit score impact.
Q: How many lenders should I compare before choosing a mortgage?
A: The CFPB recommends getting loan estimates from at least three lenders before making a decision. A broker marketplace like Grand Rates effectively accomplishes this in one submission by generating competing offers from multiple lenders simultaneously.
Q: What is the difference between a mortgage broker and a direct lender?
A: A direct lender funds loans from their own capital and offers their own loan products at their own pricing. A mortgage broker does not fund loans directly — instead, the broker shops your loan to multiple wholesale and retail lenders and presents the best available offers. Grand Rates operates as a broker, giving borrowers access to competing lender pricing through a single submission.
Q: What is the 2026 conforming loan limit in Virginia?
A: The baseline conforming loan limit for most Virginia counties in 2026 is $806,500, per FHFA.gov. High-cost counties may have higher limits. Loans above the applicable limit require jumbo financing with different qualifying criteria.
Q: Can I get a mortgage in Virginia with a credit score below 620?
A: Yes. FHA loans are available to borrowers with credit scores as low as 580 (with 3.5% down) or 500 (with 10% down) per HUD.gov guidelines. Grand Rates accepts FHA applications to the program minimum of 500. Conventional loans typically require higher credit scores.
Q: What is cash-out refinance to 90% LTV?
A: A cash-out refinance allows homeowners to refinance their existing mortgage for more than they owe and receive the difference in cash. Most retail lenders cap cash-out refinances at 80% loan-to-value (LTV). Grand Rates offers cash-out refinance programs to 90% LTV through wholesale lender access, allowing eligible borrowers to access more of their home equity.
Which Tool Is Right for Your Situation
The tools on this list serve different purposes, and the best outcome for most Virginia borrowers comes from using them in combination rather than choosing one exclusively.
Start with the CFPB Mortgage Rate Explorer to understand what current market rates look like for your loan type and credit profile — with zero personal information submitted and zero credit impact. This gives you an independent baseline before you engage with any lender or marketplace.
Then use Grand Rates as your active shopping platform. The NoTouch soft credit pull means you can get real, personalized offers from hundreds of lenders without any credit score impact. For Virginia borrowers in Richmond, Chesterfield, Henrico, Fredericksburg, Hampton Roads, and surrounding markets, this is the most efficient way to generate competing offers and apply the breakeven math framework shown above.
Use Mortgage News Daily and the Freddie Mac PMMS as ongoing rate monitors if you’re watching for the right moment to lock. Use Bankrate and NerdWallet for editorial context on named lenders. Use Credible or Zillow Mortgage as supplementary reference points if you want additional perspectives.
Remember: a 0.25% rate difference on a $400,000 loan is thousands of dollars over the life of the loan. The breakeven math is straightforward, and the tools to run it are free. The only costly mistake is not comparing at all.
Start your no-touch credit consultation today and compare rates from hundreds of lenders without impacting your credit score. Grand Rates is available 24/7 and serves home buyers, refinance shoppers, and real estate investors across Virginia, Florida, Tennessee, and Georgia.
Legal Disclaimer: This article is for educational purposes only and does not constitute financial, legal, or tax advice. Mortgage rates, loan limits, and program guidelines are subject to change. All rate examples are illustrative only and do not represent a commitment to lend or a guaranteed rate. Loan approval is subject to credit review, income verification, appraisal, and lender underwriting guidelines. Not all borrowers will qualify for all programs. Conforming loan limits should be verified at FHFA.gov. FHA program requirements should be verified at HUD.gov. VA loan eligibility should be verified at VA.gov. Grand Rates is a licensed mortgage broker, not a direct lender. Loans are funded by third-party lenders. Licensed in Virginia, Florida, Tennessee, and Georgia only. This is not an offer to lend in any other state.
Duane Buziak, Mortgage Maestro | NMLS: #1110647 | Licensed in VA · FL · TN · GA | VA Broker of the Year 2024-2025 | Top 1% Nationwide | Coast2Coast Mortgage | DuaneBuziakMortgageMaestro.com | (804) 212-8663
