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Mortgage Broker Blacksburg, Marion & Abingdon VA | Virginia Home Loans

We are a locally owned and operated mortgage company licensed to provide services throughout the state of Virginia, but we mainly serve Southwest Virginia. Our offices are in Blacksburg, Marion and Abingdon.

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(540) 838-5868

What to Know About Property Taxes in Virginia

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One expense of being a homeowner that a lot of people don’t think about enough when shopping for a home is property taxes. These are a lifelong annual expense, unlike your mortgage, which you will eventually be able to pay off given enough time. Let’s go over a few basic things you should know about … [Read more...]

Red Flags to Watch Out for When Buying a Home

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As you shop for a home, you will come across good and bad opportunities. When you are eager to finish the process and start a new chapter in your life, it is easy to rush and overlook potential red flags. But your decision to buy a home is going to have a huge impact on your financial future. So, it … [Read more...]

How to Budget After a Refinance

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If you refinance, one of the immediate effects may be more room in your budget. This can happen if you refinance to a longer loan term, lower interest rates, or both. Your monthly payment amounts will go down, which may leave you with extra spending money each month. This can be a very welcome … [Read more...]

Interest Rates Have Just Dropped to a 3-Year Low

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Mortgage rates have dropped in January 2026. This is the lowest they have been in over 3 years. The year-over-year drop is almost a full percentage; at this time a year ago, the average rate for a 30-year fixed-rate mortgage was 7.04%. In January 2026, that rate has decreased to 6.06%. This is a … [Read more...]

Conforming Loan Limits Increasing in VA in 2026

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If you are shopping for a home in Virginia in 2026, you will be pleased to learn that the conforming loan limits are increasing. The Federal Housing Finance Agency (FHFA) said in its announcement, “In most of the United States, the 2026 CLL value for one-unit properties will be $832,750, an increase … [Read more...]

What is the Best Time to Buy a House?

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If you are ready to buy a house, you will have to figure out the timing for your home purchase. The best time to buy a house depends on a number of factors. These include the time of year, market trends in your area, interest rates, and your individual scenario. Let’s discuss in more depth. The … [Read more...]

Can You Use a USDA Loan for an Investment Property?

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One frequently asked question about USDA mortgages is whether you can use this type of government-backed loan to purchase an investment property. The answer is no, you cannot use a USDA loan for an investment property. USDA Mortgages are for Primary Residences The purpose of USDA mortgages … [Read more...]

Mortgage Rates Continue to Fall

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If you are in the market for a new home or looking to refinance, you have probably been watching mortgage rates closely in recent weeks. Rates have been falling steadily. Here are the current rates as of the day of this writing, September 17th: TypeCurrent rateLast week's rateChange30-year … [Read more...]

Starter Home Pros and Cons

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Buying a starter home is a smart financial move for many people. There are pros and cons to buying a starter home which are good to be aware of, even if you have already decided to move forward with a purchase. Let’s go over them now. Pros: Cons: Buy a Starter Home in … [Read more...]

How to Avoid Common Military Homebuyer Mistakes

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As a military homebuyer, there are some excellent opportunities for you to take advantage of when it comes to loan programs. Investing in a home can also be a great financial opportunity, whether you are active-duty or retired from the armed forces. There are certain common mistakes you need to … [Read more...]

Jason H.
5 months ago
Highly recommend. Excellent rates and reasonable fees, quick responses to questions, helped overcome a couple small complications, overall a very smooth process.
Joe S.
1 year ago
I cannot say enough positive things about Josh Rowland and his wife Jessica. My family and I went through one of the most stressful and chaotic events all in the middle of trying to purchase a home 700 miles away. They not only were professional at every step, but compassionate at every step as well. They fought for us with their diligence and resolve. I am forever grateful for their work, help, and friendship. 100% RECCOMEND. God bless their future endeavors!
Christi S.
3 years ago
Absolutely wonderful experience. Ryan Hall (and team) have gone above and beyond at every point. He's responded quickly, explained clearly, and even managed to get us pre-approved when a competing lender couldn't. Ryan is easy to talk to and a joy to work with. Definitely will recommend this office any chance I get.
Mo R.
4 years ago
You don't even feel the mortgage process up&down if you work with Ryan and his team, the best experience. Thanks so much Ryan for your support and help cause that made the home buying so smooth. Highly highly recommend them. 5 out 5 for sure.
Katherine P.
4 years ago
We worked with Brian Hall to get our mortgage and it was beyond my expectations! We originally had gotten a preapproval amount and interest rate quote from another lender; our realtor Brian Mchone had recommended First Residential Mortgage to us, but I didn't think we would get a lower interest offer. Ryan reached out to me with an interest offer a whole percent lower than we were quoted from the other company! That difference was enough that when we found our dream home, we were able to get our offer in and keep our monthly payment within our budget! A LOT of paperwork was required to be submitted, but it was well worth it! Ryan was available every step of the way if I had questions or clarifications. He and my realtor communicated flawlessly and the whole experience felt well handled. We were able to submit all of this online and it was very easy to use the online submissions. My husband is a veteran and we used the VA Home Loan, Ryan was well versed in working with the VA Home Loan service. All and all, I can not say enough good things about First Residential Mortgage and Ryan Hall made the stressful experience of buying a home a much easier one!
Chase B.
5 years ago
Ryan did a great job getting us the best rate he could. He made sure we understood everything every step of the way and was very quick to answer any questions we had, be that via email or calling.
Mark J.
5 years ago
Excellent customer service from start to finish. Ryan did a great job of explaining the whole process and keeping us up to date at every step of the way. Would not hesitate to recommend him to family and friends.
Tori Z.
5 years ago
My husband and I worked with Ryan on securing a mortgage as we bought our first home. Ryan was helpful and would answer our questions promptly and used videos and screen sharing to make sure everything was clear. We had shopped around at a few different mortgage and First Residential Mortgage offered the best rate to us. I would definitely recommend using First Residential Mortgage.
Brandon T.
5 years ago
Ryan and the folks at First Residential Mortgage made the process of refinancing our home seamless and quick. Took less than 30 days from the time someone recommended me to Ryan’s team to closing. The application process was easy, Ryan looked out for us all along the way and got us a great interest rate, and we were able to pay off a $30k car while maintaining almost the exact same monthly mortgage payment we had been making previously. Can’t say enough good things about them!
Cirillo- D.
5 years ago
Great to work with, wonderful staff and a very rate.
Maaz G.
5 years ago
Ryan Hall and his team are absolutely fantastic to work with. We were first time home buyers. Thanks guys!
Mike B.
5 years ago
Great experience. Easy to work with. Answered all my questions.
Tommy B.
5 years ago
Ryan was great to work with. We ran in to several issues along the way with the sellers and our income but he did everything in his power to make the process as smooth as possible and to make sure we were able to get the loan we wanted.
John B.
5 years ago
Ryan was very professional, yet very responsive to our questions as we moved forward through the process of signing documents. Ryan makes these video where he explains what is happening and what to expect that made it easy the home loan understand. Ryan's insight on how to approach the sellers with our offer and make it more attractive were invaluable. I highly recommend Ryan for all Veterans and others seeking a loan professional's help. You won't be disappointed. Thanks again Ryan.
Barrett I.
5 years ago
Ryan Hall is great to work with. He is very knowledgeable and was always available for any questions that we had throughout our refinance. I highly recommend his services.
Sloop S.
5 years ago
Robin L.
5 years ago
I had a great experience with Ryan and team at First Residential. The communication through the entire process was excellent. I will definitely be working with Ryan again in the future.
Andrew D.
5 years ago
The folks at First Residential are exactly what you're looking for. They are professional, patient, fast, and thorough on every front. It felt like I had good friends walking me through the process, who always had time to answer any questions I had, fight for good rates for me, and to be excited for my family. I HIGHLY recommend you use them. I know I will be for every mortgage need I ever have again.
Payne B.
5 years ago
I purchased a duplex investment property with the help of First Residential Mortgage. The process was quick and easy and if I had any questions the team in Blacksburg was quick to help. When I was searching for the best interest rate Ryan was by far the lowest even in a very competitive/busy market. I will be using First Residential Mortgage again on future investment properties as well as personal residence. I highly recommend giving them a call!
Stephan C.
5 years ago
We used this business to assist us in finding a mortgage. Ryan made sure to keep us informed in all aspects of this process. He was very professional and knowledgeable.
Kaylee R.
5 years ago
Mark C.
5 years ago
Ryan is a great wonderful person that seamlessly works with you to achieve your mortgage goals. He and his team are professional, through, and really make the experience very easy. They do a great job at First Residental Mortgage
Kaitlyn M.
5 years ago
Great experience. We are now first time home owners! They answered all of our questions and explained the whole process very thoroughly. Really cannot recommend Ryan and his team enough, it was really an enjoyable process working with them
El A.
5 years ago
Great people, they helped me every step of the process and kept me up to date on any changes. Would definitely recommend!
Dietrich L.
5 years ago
It was awesome working with Ryan and his team, super knowledgeable, walked me through the whole process, weighed the pros and cons of different options, easy all-digital process, answered questions insightfully, and gave me the best rate I could find. Thanks Ryan!
Jason H.
5 months ago
Highly recommend. Excellent rates and reasonable fees, quick responses to questions, helped overcome a couple small complications, overall a very smooth process.
Joe S.
1 year ago
I cannot say enough positive things about Josh Rowland and his wife Jessica. My family and I went through one of the most stressful and chaotic events all in the middle of trying to purchase a home 700 miles away. They not only were professional at every step, but compassionate at every step as well. They fought for us with their diligence and resolve. I am forever grateful for their work, help, and friendship. 100% RECCOMEND. God bless their future endeavors!
Christi S.
3 years ago
Absolutely wonderful experience. Ryan Hall (and team) have gone above and beyond at every point. He's responded quickly, explained clearly, and even managed to get us pre-approved when a competing lender couldn't. Ryan is easy to talk to and a joy to work with. Definitely will recommend this office any chance I get.
Mo R.
4 years ago
You don't even feel the mortgage process up&down if you work with Ryan and his team, the best experience. Thanks so much Ryan for your support and help cause that made the home buying so smooth. Highly highly recommend them. 5 out 5 for sure.
Katherine P.
4 years ago
We worked with Brian Hall to get our mortgage and it was beyond my expectations! We originally had gotten a preapproval amount and interest rate quote from another lender; our realtor Brian Mchone had recommended First Residential Mortgage to us, but I didn't think we would get a lower interest offer. Ryan reached out to me with an interest offer a whole percent lower than we were quoted from the other company! That difference was enough that when we found our dream home, we were able to get our offer in and keep our monthly payment within our budget! A LOT of paperwork was required to be submitted, but it was well worth it! Ryan was available every step of the way if I had questions or clarifications. He and my realtor communicated flawlessly and the whole experience felt well handled. We were able to submit all of this online and it was very easy to use the online submissions. My husband is a veteran and we used the VA Home Loan, Ryan was well versed in working with the VA Home Loan service. All and all, I can not say enough good things about First Residential Mortgage and Ryan Hall made the stressful experience of buying a home a much easier one!
Chase B.
5 years ago
Ryan did a great job getting us the best rate he could. He made sure we understood everything every step of the way and was very quick to answer any questions we had, be that via email or calling.
Mark J.
5 years ago
Excellent customer service from start to finish. Ryan did a great job of explaining the whole process and keeping us up to date at every step of the way. Would not hesitate to recommend him to family and friends.
Tori Z.
5 years ago
My husband and I worked with Ryan on securing a mortgage as we bought our first home. Ryan was helpful and would answer our questions promptly and used videos and screen sharing to make sure everything was clear. We had shopped around at a few different mortgage and First Residential Mortgage offered the best rate to us. I would definitely recommend using First Residential Mortgage.
Brandon T.
5 years ago
Ryan and the folks at First Residential Mortgage made the process of refinancing our home seamless and quick. Took less than 30 days from the time someone recommended me to Ryan’s team to closing. The application process was easy, Ryan looked out for us all along the way and got us a great interest rate, and we were able to pay off a $30k car while maintaining almost the exact same monthly mortgage payment we had been making previously. Can’t say enough good things about them!
Cirillo- D.
5 years ago
Great to work with, wonderful staff and a very rate.
Maaz G.
5 years ago
Ryan Hall and his team are absolutely fantastic to work with. We were first time home buyers. Thanks guys!
Mike B.
5 years ago
Great experience. Easy to work with. Answered all my questions.
Tommy B.
5 years ago
Ryan was great to work with. We ran in to several issues along the way with the sellers and our income but he did everything in his power to make the process as smooth as possible and to make sure we were able to get the loan we wanted.
John B.
5 years ago
Ryan was very professional, yet very responsive to our questions as we moved forward through the process of signing documents. Ryan makes these video where he explains what is happening and what to expect that made it easy the home loan understand. Ryan's insight on how to approach the sellers with our offer and make it more attractive were invaluable. I highly recommend Ryan for all Veterans and others seeking a loan professional's help. You won't be disappointed. Thanks again Ryan.
Barrett I.
5 years ago
Ryan Hall is great to work with. He is very knowledgeable and was always available for any questions that we had throughout our refinance. I highly recommend his services.
Sloop S.
5 years ago
Robin L.
5 years ago
I had a great experience with Ryan and team at First Residential. The communication through the entire process was excellent. I will definitely be working with Ryan again in the future.
Andrew D.
5 years ago
The folks at First Residential are exactly what you're looking for. They are professional, patient, fast, and thorough on every front. It felt like I had good friends walking me through the process, who always had time to answer any questions I had, fight for good rates for me, and to be excited for my family. I HIGHLY recommend you use them. I know I will be for every mortgage need I ever have again.
Payne B.
5 years ago
I purchased a duplex investment property with the help of First Residential Mortgage. The process was quick and easy and if I had any questions the team in Blacksburg was quick to help. When I was searching for the best interest rate Ryan was by far the lowest even in a very competitive/busy market. I will be using First Residential Mortgage again on future investment properties as well as personal residence. I highly recommend giving them a call!
Stephan C.
5 years ago
We used this business to assist us in finding a mortgage. Ryan made sure to keep us informed in all aspects of this process. He was very professional and knowledgeable.
Kaylee R.
5 years ago
Mark C.
5 years ago
Ryan is a great wonderful person that seamlessly works with you to achieve your mortgage goals. He and his team are professional, through, and really make the experience very easy. They do a great job at First Residental Mortgage
Kaitlyn M.
5 years ago
Great experience. We are now first time home owners! They answered all of our questions and explained the whole process very thoroughly. Really cannot recommend Ryan and his team enough, it was really an enjoyable process working with them
El A.
5 years ago
Great people, they helped me every step of the process and kept me up to date on any changes. Would definitely recommend!
Dietrich L.
5 years ago
It was awesome working with Ryan and his team, super knowledgeable, walked me through the whole process, weighed the pros and cons of different options, easy all-digital process, answered questions insightfully, and gave me the best rate I could find. Thanks Ryan!