Conventional Loans Chesterfield VA: Affordable Mortgage Solutions
Helping Chesterfield residents find loans best suited for the ever changing housing market.
Conventional loans are the most common type of mortgage and are a great fit for many Chesterfield homebuyers. These loans are not government-backed and instead follow guidelines set by Fannie Mae and Freddie Mac. Whether you’re purchasing your first home, moving up to your dream home, or investing in a second property, a conventional mortgage offers flexible options tailored to your needs.
Why Choose a Conventional Loan in Chesterfield?
- Low down payment options – as little as 3%
- Competitive interest rates
- No private mortgage insurance (PMI) with 20% down
- Available for primary residences, second homes, and investment properties
- Higher loan limits compared to FHA or USDA loans
- Streamlined approval process for well-qualified borrowers
Who Benefits Most from a Conventional Loan?
Conventional mortgages in Chesterfield are ideal for:
- Buyers with good to excellent credit scores (620 or higher)
- Families looking to purchase in established neighborhoods or new builds
- Homeowners who want to avoid long-term mortgage insurance
- Investors purchasing rental or vacation homes
Chesterfield’s Housing Market Advantage
Chesterfield, VA continues to attract families and professionals for its strong schools, vibrant communities, and proximity to Richmond. A conventional loan can help you secure a home in Chesterfield’s desirable neighborhoods while keeping your financing flexible.
Get Started with a Conventional Loan Today
If you’re considering a home purchase or refinance in Chesterfield, a conventional loan may be the right choice. I’ll walk you through your options, help determine the best down payment strategy, and ensure you’re positioned for success in today’s market.
Wife.Momma. MOrtgage Lender
About Me: More Than Just a Mortgage Lender
I’m Briana Sparrow, a proud wife and mom of three, living in Louisa, VA. Surrounded by our little crew and a whole lot of animals. With a passion for homeownership and years of personal experience buying and investing in real estate, I’ve been helping families achieve their homeownership dreams since 2018. Whether you're buying your first home, refinancing, or investing, I’d love to help you reach your goals.
Common Loan Products
Conventional Loans
Conventional loans are the most common type of mortgage and are not government-backed.
VA Loans
VA loans are backed by the U.S. Department of Veterans Affairs and are available to eligible military service members, veterans, and surviving spouses.
VHDA Loans
Virginia Housing offers programs for both first-time and repeat homebuyers, helping make homeownership more affordable.
FHA Loans
FHA loans are insured by the Federal Housing Administration and designed for buyers with lower credit scores or limited down payments.
USDA Loans
USDA loans are insured by the U.S. Department of Agriculture and help buyers purchase homes in eligible rural and suburban areas.
Jumbo Loans
Jumbo loans are designed for high-value properties that exceed conventional loan limits.
Unique/Specialized Loan Products
Equity Line Loans
A Home Equity Line of Credit (HELOC) allows homeowners to access their home’s equity without refinancing their existing mortgage.
Renovation Loans
Renovation loans are designed for homebuyers and homeowners looking to finance repairs, upgrades, or remodeling projects.
Construction Loans
In Virginia, construction loans typically offer short-term financing that converts to a traditional mortgage once the project is complete.
A Local Lender You Can Trust
Local Market Acumen
We don't just work in Richmond; we live and breathe the RIchmond housing market. We understand local property values, neighborhood trends, and the specific dynamics that impact your loan.
Mortgage Planning
I understand that every family's financial situation is unique. Mortgage is not a one size fits all. I want to truly understand your puzzle and help you decide how we put that puzzle together. I promise to always be honest and make sure you know your choices throughout the process. Surprises while home buying are never fun. I take all of my clients through upfront underwriting to ensure you have piece of mind when shopping for your dream home.
Team Work
As a trusted mortgage professional based in Richmond, VA, I specialize in providing personalized mortgage solutions to homebuyers across Virginia and North Carolina. Whether you're buying your very first home or your forever home, I’m here to walk you through the process, answer your questions, and make sure you feel confident every step of the way.
I work closely with your realtor to make sure your offer is strong, competitive, and aligns with your goals. When it’s time to make an offer, I’ll personally call the listing agent to back it up, because when the listing agent (and sellers!) know there’s an experienced lender on board who will actually communicate with them throughout the process, it gives them peace of mind (and gives you a leg up!).
Behind the scenes, my powerhouse team helps make it all happen
seamlessly.
Our tight-knit crew includes:
- Production Partners: Madison Maynes & Collin Foster
- Processor: Bonnie Goad
- Underwriter: Kevin Doyle
- Closer: Tim Fulgham
We all work together to treat your loan with care, urgency, and attention to detail, from day one to closing day. You’ll never feel like just another number with us.
I take pride in being a responsive, local lender with a kick-ass team you can count on. Let’s make your homeownership goals a reality, reach out and let’s get started!
Availability
I am available when it matters, nights and weekends. Most real estate transactions require action outside of "normal" business hours. When working with me you can rest easy knowing that I am not just your lender but your friend and cheerleader. Shoot me a text, give me a call, email or reach out on social media…. I am here to help you win that house!
Get Pre-Approved Today!
Take the first step toward homeownership with a quick and easy pre-approval.
Knowing your budget upfront helps streamline your home search and gives you a competitive edge.
Our team is here to guide you through the process and find the best loan option for your needs.
Get started today!
