Lexington Home Loans is a licensed Virginia mortgage broker serving the Commonwealth — from Northern Virginia to Hampton Roads — with deep experience in VA loans and every path in between.
Virginia’s large military and federal workforce makes VA loans a cornerstone here, especially around Hampton Roads and Northern Virginia. We know the VA program well — and go down to a 500 FICO on it — while also serving conventional, jumbo, reverse, and investor borrowers across the Commonwealth.
From first homes to investment properties, the full lineup — and the hard-to-place loans most lenders decline.
Low down payments for primary homes, with options under 20% down.
Government-backed loans down to a 500 FICO where others stop at 580.
Financing above conforming limits for higher-value homes.
Tap equity or lower your rate without touching your first mortgage.
For homeowners 62+, down to a 500 FICO with past mortgage lates OK.
Qualify a rental on its own cash flow — down to a 0.75 ratio.
Self-employed income read from 12–24 months of deposits, no W-2 needed.
Tell us the scenario — commercial inquiries are welcome.
Nine calculators, from payment to investor cash flow.