Northern Virginia

Northern Virginia mortgage broker.
Arlington to Loudoun, high-cost ready.

Oak Capital Mortgage helps buyers and homeowners in Arlington, Alexandria, Fairfax, Loudoun and Prince William compare loan programs from multiple wholesale lenders, including high-balance and jumbo options built for a high-cost market.

Takes about 2 minutes. A quick inquiry, not a loan application.

High-Balance Conventional • Jumbo • VA • FHA • Renovation • Bank Statement • DSCR Investor • Bridge

NoVA

Know the limits. Then compare the lenders.

Northern Virginia counties are designated high-cost areas, so conforming and FHA limits here run well above most of the country. Knowing where your loan amount falls is the first step to choosing the right program.

High-cost loan limits

For 2026, Arlington, Fairfax, Loudoun and Prince William counties and the City of Alexandria have a one-unit conforming and FHA limit of $1,249,125, compared with $832,750 in most areas. Many buyers here can stay with conforming financing at loan sizes that would be jumbo elsewhere.

Jumbo options compared

Above the local limit, jumbo guidelines vary widely from lender to lender. As a broker, we compare several before you choose.

Ready for military and federal moves

With the Pentagon, Fort Belvoir and Marine Corps Base Quantico nearby, many buyers are on orders or changing federal roles. We help eligible borrowers use their VA benefit and plan around report dates.

Contractors and consultants

Government contractors, consultants and business owners often have income that is hard to document on a W-2. Bank statement and asset-based programs offer another path.

NoVA programs

High-balance, jumbo and everything below.

In Northern Virginia, loan size often decides the program. A Ballston condo, a Brambleton townhome, a house in Burke and an estate in Great Falls can land in very different places. Open a program for details.

Conventional

Includes high-balance conforming loans up to the 2026 local limit of $1,249,125 for a one-unit home.

Often a fit for: dual-income households and steady earners.

Jumbo

Loans above the local limit for McLean, Great Falls, North Arlington, Old Town Alexandria and parts of Loudoun.

Often a fit for: executive and luxury buyers.

VA

No down payment required for eligible borrowers, and no VA loan limit for those with full entitlement. VA loans in depth.

Often a fit for: Pentagon, Fort Belvoir and Quantico personnel, veterans and eligible surviving spouses.

FHA

A lower down payment with a high-cost local limit, insured by FHA. FHA loan details.

Often a fit for: first-time buyers in Manassas, Woodbridge and Sterling.

Bank Statement & Asset-Based

Qualify on deposits or liquid assets rather than tax returns.

Often a fit for: government contractors, consultants and founders.

DSCR Investor

Rental income qualifies the property.

Often a fit for: investors near Metro stops and job centers.

Renovation

Fund the purchase and the remodel together.

Often a fit for: older homes inside the Beltway.

Bridge

Buy your next home before selling the current one. How bridge loans help.

Often a fit for: move-up buyers who want one move, not two.

Breaking in

Buying your first place in Northern Virginia?

Northern Virginia prices are high, but the cash you need may be less than you fear. Certain programs allow a smaller down payment, and family gifts may count. With higher local loan limits in play, we show what each option needs upfront.

Beltway and beyond

Arlington to Loudoun, Alexandria to Manassas.

We help buyers in Arlington, Fairfax, Loudoun and Prince William counties and in the cities of Alexandria, Fairfax, Falls Church, Manassas and Manassas Park.

Arlington & Alexandria

Clarendon · Ballston · Rosslyn · Shirlington · National Landing · Old Town · Del Ray · Rosemont

Fairfax County

McLean · Great Falls · Vienna · Tysons · Reston · Herndon · Burke · Springfield · Annandale

Loudoun & Prince William

Ashburn · Leesburg · Brambleton · South Riding · Sterling · Gainesville · Haymarket · Bristow · Woodbridge

Trading the Beltway for Charlotte or Raleigh, or the reverse? We are licensed in Virginia, North Carolina and South Carolina.

Client reviews

Feedback from our borrowers.

Read all reviews on Google ↗

    
 
 
       Posted on Google  
   
   Lynda N 
 
 
 
 Trustindex verifies that the original source of the review is Google. Matt and Jordyn have been absolutely phenomenal to work with. This is now my second home purchase using Oak Capital and I couldn’t be happier with the communication and honesty and speed. 10/10 recommend!
  
 
      Posted on Google  
   
   Shontek S 
 
 
 
 Trustindex verifies that the original source of the review is Google. Working with Matthew and Jordyn was truly an amazing experience. From the beginning to the closing table, they made the entire home buying process feel smooth, stress-free, and manageable. They were patient, knowledgeable, responsive, and always willing to answer my questions throughout every step.

There were moments during the process that felt overwhelming, but they continuously reassured and guided me through it all. Their professionalism, communication, and dedication made such a difference for me and my family. I’m beyond grateful for their hard work in helping me become a homeowner. I highly recommend them to anyone looking to purchase a home!”
  
 
      Posted on Google  
   
   Shane S 
 
 
 
 Trustindex verifies that the original source of the review is Google. I've used Hayden and his team twice for a mortgage and a refinancing and cannot recommend them enough. Throughout the whole process, they remained exceptionally responsive and easy to communicate with, making each process as smooth and simple as it could possibly be. Their knowledge and ability to proactively move the process along allowed me to take a seat back and know that I was in good hands. Hayden always kept in mind the rate that I wanted to refinance at and regularly reached out to me until we approached a time where we could make it happen. The refinancing process was as seamless as I could imagine it going. Great people who are working on your side and are always available to assist.
  
 
      Posted on Google  
   
   Ryan Y 
 
 
 
 Trustindex verifies that the original source of the review is Google. Wonderful/professional experience throughout the entire process from start to finish. The staff always answered my questions same day. They took the time to actually speak with me and the best options. Highly recommend Oak Capital Mortgage!!!
  
 
      Posted on Google  
   
   Alyssa R 
 
 
 
 Trustindex verifies that the original source of the review is Google. Hayden and Oak Capital Mortgage are awesome! Hayden acted like a partner every step of the way, always available when I needed him  most, and always collaborative. This was my first time buying a house and I was doing it solo. Hayden always stayed cool and collected, and was also on top of things when I wanted to jump on an offer. I was talking to a few lenders in the beginning, but Hayden is the only one who just reached out (even after I signed on with him) to see how things were going, say hi, ask about the house hunt, and just be friendly and that all went a long way. Closing was a breeze on his end (even though I myself had a little hiccup, he was cool about it and always solutions-oriented). Thanks Hayden!
  
 
      Posted on Google  
   
   DEBRA H 
 
 
 
 Trustindex verifies that the original source of the review is Google. Matthew and Jordyn were amazing to work with! They are very knowledgeable, proactive and detail oriented! Closing ahead of schedule! Nice work! Highly recommend them to anyone looking for a home loan!
  
 
      Posted on Google  
   
   Sam M 
 
 
 
 Trustindex verifies that the original source of the review is Google. Something so boring as a mortgage shouldn't also be stressful. And yet, it tends to be. Matthew Hassey and Jordyn Minton at Oak Capital couldn't fix the boring part, but they definitely made it less stressful. They were extremely clear and communicative, and answered each and every question I had, no matter how absurd. Do yourself a favor and work with them.
  
 
      Posted on Google  
   
   Anthony M 
 
 
 
 Trustindex verifies that the original source of the review is Google. Everything was great. Thank you for being there for us.
  
 
      Posted on Google  
   
   Visal S 
 
 
 
 Trustindex verifies that the original source of the review is Google. Matthew Hassey and his team at Oak Capital are the best ! They will take care of you like they did us! It was smooth and easy and we walked away happier than we expected!
  
 
      Posted on Google  
   
   John S 
 
 
 
 Trustindex verifies that the original source of the review is Google. As first time homeowners, my wife and I were naturally overwhelmed with information as we were shopping around lenders, to the point that we almost backed out of the whole ordeal. That is, until we switched to Oak Capital Mortgage and were paired with Hayden Wilson. Hayden was honest and transparent with us throughout the entire process from the moment he picked up the phone, and for that reason alone, I cannot recommend these folks enough. Nothing hidden from us, and every scenario laid out clearly for us to evaluate everything in its entirety.  10/10 service - you guys knocked it out of the park.

Questions

Loan limits, condos and settlement in NoVA.

Don’t see yours? Call (877) 991-7283.

What is the 2026 conforming loan limit in Northern Virginia?

For a one-unit home it’s $1,249,125 in Arlington, Fairfax, Loudoun and Prince William counties and the region’s independent cities, compared with $832,750 in most of the country. Loans between those two numbers are often called high-balance conforming. The FHA one-unit limit here is the same.

Do I need a jumbo loan in McLean or Great Falls?

If your loan amount is above $1,249,125, yes. Jumbo lenders set their own rules on credit, reserves and documentation, which is why comparing several is worth the effort.

Can I use a VA loan above the county limit near the Pentagon or Fort Belvoir?

Often. Veterans with full entitlement aren’t subject to a VA loan limit, though individual lenders may set their own caps. If part of your entitlement is tied up in another loan, limits can apply, so we check your Certificate of Eligibility first.

Can I buy an Arlington or Alexandria condo with FHA or VA?

Yes, if the building qualifies. FHA and VA keep lists of approved condo projects, and FHA sometimes allows single-unit approvals. If a building isn’t approved, conventional or portfolio options may still work.

Buying a new townhome in Loudoun or Prince William?

Plan for HOA dues, a builder’s timeline and a closing date that can move with construction. You’re free to compare outside financing against the builder’s lender, and we’ll help you weigh it.

Who handles settlement in Northern Virginia?

In Virginia the closing is called settlement, and a settlement agent runs it: a licensed title company or agent, or a Virginia attorney. The law lets you, the buyer, choose that agent rather than accept one assigned to you. Once you’ve picked, we send the lender’s package and keep the date on track.

Local market guides

More Virginia guides.

Virginia overview · Richmond · Virginia Beach · Norfolk · Charlottesville

Let's talk about your Northern Virginia move.

Whether you are in Arlington, Loudoun or overseas on assignment, it begins with a short online form or a call. A licensed loan officer then reaches out to you personally.

Oak Capital Mortgage, LLC · NMLS #1960829 · 1800 Central Ave, Suite 301, Charlotte, NC 28205. All loans are subject to credit approval and underwriting.

Northern Virginia mortgage broker.Arlington to Loudoun, high-cost ready.