New Conforming Loan Limits for 2024 Announced

Good news for those planning to buy a home with a conventional conforming loan in 2024—the conforming loan limits are increasing for the new year. The new baseline conforming loan limit for most counties nationwide for 1 unit is $766,550. That is a 5.56% jump from the previous limit, which was $726,200.

Baseline Conforming Loan Limits for 2024

The maximum baseline conforming loan amounts for the contiguous states, the District of Columbia, and Puerto Rico are:

1 units: $766,550
2 units: $981,500
3 units: $1,186,350
4 units: $1,474,400

Baseline loan limits are higher in Alaska, Guam, Hawaii, and the US Virgin Islands.

What are the Conforming Loan Limits for Virginia?

The conforming loan limits in most counties in Virginia are the same as the baseline conforming loan limits we listed above.

But there are a number of counties in Virginia that are high cost of living areas. As a result, they also have higher conforming loan limits. You can view a chart of all of the conforming loan limits in Virginia below.

So long as you are borrowing up to the conforming loan limit, you can use a conforming mortgage to buy a house. Otherwise, you will need a jumbo loan.

State	County Name	5-Digit State Code	2-Digit State Code	3-Digit County Code	Metropolitan Designation	2024 Loan Limit 1 Unit	2024 Loan Limit 2 Unit	2024 Loan Limit 3 Unit	2024 Loan Limit 4 Unit
VIRGINIA	ACCOMACK COUNTY	51001	51	001	NON-METRO	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	ALBEMARLE COUNTY	51003	51	003	CHARLOTTESVILLE, VA	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	ALLEGHANY COUNTY	51005	51	005	NON-METRO	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	AMELIA COUNTY	51007	51	007	RICHMOND, VA	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	AMHERST COUNTY	51009	51	009	LYNCHBURG, VA	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	APPOMATTOX COUNTY	51011	51	011	LYNCHBURG, VA	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	AUGUSTA COUNTY	51015	51	015	STAUNTON, VA	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	BATH COUNTY	51017	51	017	NON-METRO	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	BEDFORD COUNTY	51019	51	019	LYNCHBURG, VA	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	BLAND COUNTY	51021	51	021	BLUEFIELD, WV-VA	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	BOTETOURT COUNTY	51023	51	023	ROANOKE, VA	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	BRUNSWICK COUNTY	51025	51	025	NON-METRO	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	BUCHANAN COUNTY	51027	51	027	NON-METRO	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	BUCKINGHAM COUNTY	51029	51	029	NON-METRO	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	CAMPBELL COUNTY	51031	51	031	LYNCHBURG, VA	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	CAROLINE COUNTY	51033	51	033	NON-METRO	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	CARROLL COUNTY	51035	51	035	NON-METRO	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	CHARLES CITY COUNTY	51036	51	036	RICHMOND, VA	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	CHARLOTTE COUNTY	51037	51	037	NON-METRO	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	CHESTERFIELD COUNTY	51041	51	041	RICHMOND, VA	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	CRAIG COUNTY	51045	51	045	ROANOKE, VA	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	CUMBERLAND COUNTY	51049	51	049	NON-METRO	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	DICKENSON COUNTY	51051	51	051	NON-METRO	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	DINWIDDIE COUNTY	51053	51	053	RICHMOND, VA	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	ESSEX COUNTY	51057	51	057	NON-METRO	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	FLOYD COUNTY	51063	51	063	NON-METRO	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	FLUVANNA COUNTY	51065	51	065	CHARLOTTESVILLE, VA	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	FRANKLIN COUNTY	51067	51	067	ROANOKE, VA	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	FREDERICK COUNTY	51069	51	069	WINCHESTER, VA-WV	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	GILES COUNTY	51071	51	071	BLACKSBURG-CHRISTIANSBURG, VA	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	GLOUCESTER COUNTY	51073	51	073	VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	GOOCHLAND COUNTY	51075	51	075	RICHMOND, VA	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	GRAYSON COUNTY	51077	51	077	NON-METRO	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	GREENE COUNTY	51079	51	079	CHARLOTTESVILLE, VA	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	GREENSVILLE COUNTY	51081	51	081	NON-METRO	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	HALIFAX COUNTY	51083	51	083	NON-METRO	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	HANOVER COUNTY	51085	51	085	RICHMOND, VA	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	HENRICO COUNTY	51087	51	087	RICHMOND, VA	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	HENRY COUNTY	51089	51	089	MARTINSVILLE, VA	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	HIGHLAND COUNTY	51091	51	091	NON-METRO	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	ISLE OF WIGHT COUNTY	51093	51	093	VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	JAMES CITY COUNTY	51095	51	095	VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	KING AND QUEEN COUNTY	51097	51	097	RICHMOND, VA	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	KING GEORGE COUNTY	51099	51	099	NON-METRO	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	KING WILLIAM COUNTY	51101	51	101	RICHMOND, VA	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	LANCASTER COUNTY	51103	51	103	NON-METRO	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	LEE COUNTY	51105	51	105	NON-METRO	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	LOUISA COUNTY	51109	51	109	NON-METRO	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	LUNENBURG COUNTY	51111	51	111	NON-METRO	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	MATHEWS COUNTY	51115	51	115	VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	MECKLENBURG COUNTY	51117	51	117	NON-METRO	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	MIDDLESEX COUNTY	51119	51	119	NON-METRO	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	MONTGOMERY COUNTY	51121	51	121	BLACKSBURG-CHRISTIANSBURG, VA	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	NELSON COUNTY	51125	51	125	CHARLOTTESVILLE, VA	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	NEW KENT COUNTY	51127	51	127	RICHMOND, VA	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	NORTHAMPTON COUNTY	51131	51	131	NON-METRO	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	NORTHUMBERLAND COUNTY	51133	51	133	NON-METRO	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	NOTTOWAY COUNTY	51135	51	135	NON-METRO	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	ORANGE COUNTY	51137	51	137	NON-METRO	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	PAGE COUNTY	51139	51	139	NON-METRO	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	PATRICK COUNTY	51141	51	141	NON-METRO	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	PITTSYLVANIA COUNTY	51143	51	143	DANVILLE, VA	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	POWHATAN COUNTY	51145	51	145	RICHMOND, VA	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	PRINCE EDWARD COUNTY	51147	51	147	NON-METRO	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	PRINCE GEORGE COUNTY	51149	51	149	RICHMOND, VA	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	PULASKI COUNTY	51155	51	155	BLACKSBURG-CHRISTIANSBURG, VA	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	RICHMOND COUNTY	51159	51	159	NON-METRO	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	ROANOKE COUNTY	51161	51	161	ROANOKE, VA	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	ROCKBRIDGE COUNTY	51163	51	163	NON-METRO	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	ROCKINGHAM COUNTY	51165	51	165	HARRISONBURG, VA	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	RUSSELL COUNTY	51167	51	167	NON-METRO	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	SCOTT COUNTY	51169	51	169	KINGSPORT-BRISTOL, TN-VA	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	ARLINGTON COUNTY	51013	51	013	WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV	$1,149,825	$1,472,250	$1,779,525	$2,211,600
VIRGINIA	SHENANDOAH COUNTY	51171	51	171	NON-METRO	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	SMYTH COUNTY	51173	51	173	NON-METRO	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	SOUTHAMPTON COUNTY	51175	51	175	VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	CLARKE COUNTY	51043	51	043	WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV	$1,149,825	$1,472,250	$1,779,525	$2,211,600
VIRGINIA	CULPEPER COUNTY	51047	51	047	WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV	$1,149,825	$1,472,250	$1,779,525	$2,211,600
VIRGINIA	FAIRFAX COUNTY	51059	51	059	WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV	$1,149,825	$1,472,250	$1,779,525	$2,211,600
VIRGINIA	SURRY COUNTY	51181	51	181	NON-METRO	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	SUSSEX COUNTY	51183	51	183	RICHMOND, VA	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	FAUQUIER COUNTY	51061	51	061	WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV	$1,149,825	$1,472,250	$1,779,525	$2,211,600
VIRGINIA	TAZEWELL COUNTY	51185	51	185	BLUEFIELD, WV-VA	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	LOUDOUN COUNTY	51107	51	107	WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV	$1,149,825	$1,472,250	$1,779,525	$2,211,600
VIRGINIA	MADISON COUNTY	51113	51	113	WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV	$1,149,825	$1,472,250	$1,779,525	$2,211,600
VIRGINIA	PRINCE WILLIAM COUNTY	51153	51	153	WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV	$1,149,825	$1,472,250	$1,779,525	$2,211,600
VIRGINIA	RAPPAHANNOCK COUNTY	51157	51	157	WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV	$1,149,825	$1,472,250	$1,779,525	$2,211,600
VIRGINIA	WASHINGTON COUNTY	51191	51	191	KINGSPORT-BRISTOL, TN-VA	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	WESTMORELAND COUNTY	51193	51	193	NON-METRO	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	SPOTSYLVANIA COUNTY	51177	51	177	WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV	$1,149,825	$1,472,250	$1,779,525	$2,211,600
VIRGINIA	WISE COUNTY	51195	51	195	BIG STONE GAP, VA	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	WYTHE COUNTY	51197	51	197	NON-METRO	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	STAFFORD COUNTY	51179	51	179	WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV	$1,149,825	$1,472,250	$1,779,525	$2,211,600
VIRGINIA	YORK COUNTY	51199	51	199	VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	WARREN COUNTY	51187	51	187	WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV	$1,149,825	$1,472,250	$1,779,525	$2,211,600
VIRGINIA	ALEXANDRIA CITY	51510	51	510	WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV	$1,149,825	$1,472,250	$1,779,525	$2,211,600
VIRGINIA	FAIRFAX CITY	51600	51	600	WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV	$1,149,825	$1,472,250	$1,779,525	$2,211,600
VIRGINIA	FALLS CHURCH CITY	51610	51	610	WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV	$1,149,825	$1,472,250	$1,779,525	$2,211,600
VIRGINIA	FREDERICKSBURG CITY	51630	51	630	WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV	$1,149,825	$1,472,250	$1,779,525	$2,211,600
VIRGINIA	MANASSAS CITY	51683	51	683	WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV	$1,149,825	$1,472,250	$1,779,525	$2,211,600
VIRGINIA	MANASSAS PARK CITY	51685	51	685	WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV	$1,149,825	$1,472,250	$1,779,525	$2,211,600
VIRGINIA	BRISTOL CITY	51520	51	520	KINGSPORT-BRISTOL, TN-VA	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	BUENA VISTA CITY	51530	51	530	NON-METRO	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	CHARLOTTESVILLE CITY	51540	51	540	CHARLOTTESVILLE, VA	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	CHESAPEAKE CITY	51550	51	550	VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	COLONIAL HEIGHTS CITY	51570	51	570	RICHMOND, VA	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	COVINGTON CITY	51580	51	580	NON-METRO	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	DANVILLE CITY	51590	51	590	DANVILLE, VA	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	EMPORIA CITY	51595	51	595	NON-METRO	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	FRANKLIN CITY	51620	51	620	VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	GALAX CITY	51640	51	640	NON-METRO	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	HAMPTON CITY	51650	51	650	VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	HARRISONBURG CITY	51660	51	660	HARRISONBURG, VA	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	HOPEWELL CITY	51670	51	670	RICHMOND, VA	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	LEXINGTON CITY	51678	51	678	NON-METRO	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	LYNCHBURG CITY	51680	51	680	LYNCHBURG, VA	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	MARTINSVILLE CITY	51690	51	690	MARTINSVILLE, VA	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	NEWPORT NEWS CITY	51700	51	700	VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	NORFOLK CITY	51710	51	710	VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	NORTON CITY	51720	51	720	BIG STONE GAP, VA	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	PETERSBURG CITY	51730	51	730	RICHMOND, VA	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	POQUOSON CITY	51735	51	735	VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	PORTSMOUTH CITY	51740	51	740	VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	RADFORD CITY	51750	51	750	BLACKSBURG-CHRISTIANSBURG, VA	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	RICHMOND CITY	51760	51	760	RICHMOND, VA	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	ROANOKE CITY	51770	51	770	ROANOKE, VA	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	SALEM CITY	51775	51	775	ROANOKE, VA	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	STAUNTON CITY	51790	51	790	STAUNTON, VA	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	SUFFOLK CITY	51800	51	800	VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	VIRGINIA BEACH CITY	51810	51	810	VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	WAYNESBORO CITY	51820	51	820	STAUNTON, VA	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	WILLIAMSBURG CITY	51830	51	830	VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC	$766,550	$981,500	$1,186,350	$1,474,400
VIRGINIA	WINCHESTER CITY	51840	51	840	WINCHESTER, VA-WV	$766,550	$981,500	$1,186,350	$1,474,400

Buy a Home in Virginia with a Conforming or Non-Conforming Loan

The higher conforming loan limits for 2024 will help more homebuyers throughout Virginia to purchase homes with conforming mortgages.

During your consultation, we can assist you with determining the conforming loan limits for your county. We can also help you figure out whether you can buy a home with a conforming mortgage, or whether you might need a non-conforming loan.

Please give us a call today at (540) 838-5868 to schedule your consultation. We can help you buy a home in Blacksburg or anywhere in Virginia with a flexible home loan.

Christi Schroader

19:37 12 Jul 23

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 Rzv

15:19 03 Mar 22

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 Poseno

17:08 01 Mar 22

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 Brenchley

18:57 01 Sep 21

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 Jay

14:55 01 Sep 21

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 Zimbardi

11:59 16 Aug 21

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 Taylor

22:57 05 Aug 21

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- Decatur

15:03 05 Aug 21

Great to work with, wonderful staff and a very rate.

Maaz Gardezi

11:49 04 Aug 21

Ryan Hall and his team are absolutely fantastic to work with. We were first time home buyers. Thanks guys!

Mike Bowers

20:45 25 Jul 21

Great experience. Easy to work with. Answered all my questions.

Tommy Barnett

13:42 01 Jul 21

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 Bellows

13:22 11 Jun 21

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 Iroler

17:33 28 May 21

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 Sr.

17:40 27 Apr 21

Robin Lo

15:55 22 Apr 21

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 Dunlap

14:45 22 Apr 21

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 Bowen

14:55 15 Apr 21

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 Corbin

17:48 08 Apr 21

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 Rose

14:17 25 Mar 21

Mark Carney

20:44 18 Mar 21

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 Morgan

16:02 08 Mar 21

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 Amigo

19:20 04 Mar 21

Great people, they helped me every step of the process and kept me up to date on any changes. Would definitely recommend!

Dietrich Linde

18:56 04 Mar 21

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!

Elora Kelly

21:00 28 Feb 21

Do yourself a favor and refinance with First Residential Mortgage, and with Ryan’s help! My fiancé and I had so many questions, concerns, and last minute changes and Ryan was adaptive and helpful with quite literally every single thing. This whole process seemed grueling at first and I was worried to even start, but everything went so smoothly and we are saving a substantial amount of money! We are so thankful we did this.

Don Wriston

19:17 25 Feb 21

First Residential Mortgage, specifically, Ryan Hall has been absolutely great to work with. I worked with him to purchase using my VA benefits and again to refinance while rates were low and both times it was seamless. Great communication and follow up from this team. I not only recommend them but I will continue to go through them for any future property purchase.

John Spicer

17:33 25 Feb 21

Ryan and his team were great t work with. Very responsive, professional and friendly.

Maryam Shakiba

17:15 25 Feb 21

Isaac Rasnick

16:47 25 Feb 21

A Strickler

21:36 20 Feb 21

My husband and I initially worked with Ryan Hall when trying to purchase our first home a couple years ago. Honestly, we were a bit clueless to the process and had a ton (honestly a ton) of questions throughout the process. Ryan routinely ran numbers for us to give us an estimate on how much our payment would be for different houses. Ryan was ALWAYS kind and quickly responsive. We ended up searching for a home much more distant from our initial area of interest, but Ryan was still able to work with us, which was great. As we went through the buying process, he kept us and our realtor with updates on where we were in the process. He did so well with it that even our well-experienced realtor was impressed by his great communication. Our buying process was really easy (after finding the right house), and we attribute most of that to Ryan and his team. In the process, Ryan sends videos that explain your documentation to make sure you understand everything. Again, super helpful for a first time buyer that didn’t know much. He even reached out to us recently to discuss the option of refinancing due to a huge decrease in mortgage rates. It always felt like Ryan had our best interest in the process and was so patient with us. We would highly recommend Ryan!

Chloe Krafft

16:10 04 Feb 21

Great to work with and he gets things done quick!

Evan Lally

15:51 04 Feb 21

Ryan was friendly, knowledgeable, and responsive, and we were happy with the deal we got through 1st Residential.

Emily Williams

18:27 02 Feb 21

Our experience with Ryan Hall was back in March with the purchase of our first home. Ryan made the process easy and painless. Most of our communication was via phone/email, which was conducive to our work schedules. A portion of our experience occurred while Ryan was on vacation. However, this didn't prevent him from staying in touch with us and even making phone calls and sending texts throughout the day. Ryan was overall very accommodating and always willing and able to answer all of our questions. He was continuously supportive and knowledgeable.UPDATE: 2nd time using Ryan. Always helpful and super responsive!

SARAH FRAZIER

16:27 21 Jan 21

Ryan is thorough, professional, knowledgeable and attentive. We have used him to purchase a home and do a refinance. He sends very detailed video email correspondence and breakdowns and makes all of the numbers make sense. I highly recommend him to anyone looking to buy or refinance.

Michael Madigan

14:16 18 Dec 20

Blair Allen

22:21 10 Dec 20

After purchasing our house a year ago and working with Ryan and his team at First Residential Mortgage, the time came to refinance with the drop in interest rates. Ryan quickly answered my questions and provided advice on the best route for me to take based on my goals. Ryan and his team made the process simple and kept me well informed for each step. I especially liked the ease of uploading documents and the video emails from Ryan explaining the loan financials step by step. The process from start to finish was extremely fast and I was kept updated each step of the way. I have recommended Ryan and his team to others and would continue to do so for anyone looking to buy or refinance a home right now.

20:55 03 Dec 20

06:28 29 Nov 20

16:57 19 Oct 20

16:12 09 Oct 20

Ryan and Barrett's communication, promptness and professionalism was strong from start to finish. Thanks for helping us navigate all sides of the refinancing process.

Edson Horta

03:17 26 Sep 20

Ryan and his team were perfect! Nothing at all to complain about. Thanks Ryan for all your support!

Slynn McMinn

21:21 04 Sep 20

Excellent to work with. Highly recommend. Worked to get us the best rate possible and close as fast as possible. Impressive!

Phil Parker (Phil)

17:39 13 Aug 20

Ryan did a great job getting the rate that we wanted and communicating every step of the way. I highly recommend First Residential Mortgage and my wife and I had a great experience with this place.

Savannah Leeman

11:20 24 Jul 20

First Residential was so great to work with when purchasing our first home! The team there was responsive to all of our questions and very friendly and professional!

Reza mirzaeifar

17:18 04 Jun 20

Everything was perfect. A great experience working with them. Everything was on time, and they are very responsive. In the current situation of COVID-19, they manage everything by considering safety as a priority and most of the process was handled online or on the phone. I strongly recommend working with them,

Laura Strawn

19:28 27 May 20

Super responsive, loved the explanation videos by Ryan (but all the staff was terrific), reliable and made sure we closed on time! Highly recommend First Residential Mortgage - whether a first timer or seasoned pro they were FABULOUS!

Steve Hale

13:27 16 May 20

K L

15:03 16 Apr 20

We just completed our home loan with First Residential Mortgage, and the entire process was excellent! Ryan Hall went above and beyond to keep us informed every step of the way, providing detailed and pertinent answers to all our questions, regular status updates, and easily completed electronic documentation. Additionally, Mr. Hall was available via email and phone when we needed him - which was not always during normal business hours. We would highly recommend First Residential to anyone looking for financing to purchase a home, and would not hesitate to use them again in the future.Update - 16 April 2020Once again we went with First Residential Mortgage, this time for a ReFi. The process was painless, and as before Ryan was extremely helpful - making the whole effort a piece of cake! From start to finish roughly 30 days to cut our interest significantly. A hearty Thank You to Ryan and the whole team at First Residential! I highly recommend them!

Calvin Graham

20:30 20 Mar 20

jonas hauptman

01:59 13 Mar 20

Staci Brown

20:12 12 Mar 20

We loved working with Ryan! He was able to give us a clear outline of everything we needed to get our loan process rolling. Ryan was quick to respond to all of our questions and concerns. He worked hard to make sure we were at ease and comfortable with everything.

Jonathan Bennett

20:09 12 Mar 20

Ryan and his team were very helpful, they waked me through all the steps and helped me understand everything that was going on.

J0sh shua

03:06 23 Feb 20

Chao Yi Zhang

00:16 10 Feb 20

Ryan was very knowledgable and explained the house buying process every step of the way. I highly recommend his team!

Daniel Wheeler

20:05 07 Feb 20

David Martin

17:00 22 Dec 19

Everything went smoothly and Ryan was easy to work with !

Jen Kittle

15:52 19 Dec 19

Working w/ Ryan/FRM and doing the majority of the refi online was quick and relatively painless. Ryan was always quick to respond w/ any questions I had and I really liked the videos he sent explaining the docs and what he needed from me...it made the interaction more personal. Overall I have to say the experience was much better than going through a large mortgage company.

Katie Wells

21:37 05 Dec 19

Ryan and his team are the best! We have had nothing but great experiences in all of our interactions. They make everything so quick and easy! Thanks for all of your help.

Noah Coyle

18:38 05 Dec 19

Ryan and team were outstanding! From initial call through closing...I have purchased 12+ homes and this was by far the easiest. I also learned a valuable lesson...always give the "local guy" a chance. Saved me over $2000 in closing...real money.Would recommend every time!Thanks!

Cantley Krafft

14:34 22 Nov 19

Ryan and his team are absolutely incredible! They helped my wife and I close on our first home, and from start to finished we closed in just 15 days!! 🤯 Crazy fast!Great customer service & great knowledge - cannot recommend enough!

Megha Shyam Reddy Kudumala

17:47 07 Nov 19

As first time home buyers, we had several questions through out the home buying process. Ryan was very helpful with his timely responses to our questions and any updates along the way. His team at First Residential Mortgage is very knowledgable and helped us understand different terms and documents used in the process. He even made and sent out a video explaining the steps in the process specifically for our application, which says more about their dedication to help. Would highly recommend Ryan and his team at First Residential Mortgage.

Matt Thompson

19:15 06 Nov 19

Ryan and his team did a great job with our mortgage.

Benjamin Hemingway

19:14 06 Nov 19

I worked with Ryan on my new home purchase. He was very patient and always willing to explain something I didn't understand or re-run different scenarios to work out the best mortgage plan to fit my budget. Thanks for all your help!

Ashley Canter

03:12 10 Oct 19

My husband and I can't thank Ryan and his team enough for going above and beyond to help us with our loan. Everyone that worked with us were very nice and never hesitated to answer any questions we had. They acted with integrity and honesty and were always willing to help. They made the loan process easy for us.

Miranda Hayes

22:46 09 Oct 19

Look no further than First Residential Mortgage for all your mortgage needs. The staff here is dedicated to making the home loan process a positive experience for you! My loan was handled completely through online channels but yet they still made the process very personable and kept me informed every step of the way. My loan closed sooner than anticipated and the process was a breeze!

Shuo Geng

15:48 09 Oct 19

Ryan and his team is extremely professional and efficient. We are the first time home buyer, so we have many naive questions. Ryan is very patient and responsive. He often send us videos explaining all the details and address our concerns. Especially, he helps us to get the best rate. It was a great experience to work with First Residential Mortgage. Highly recommend!

Corey Haines

15:34 16 Sep 19

Ryan was great to work with during the entire process of purchasing my first home. Ryan always had updates for me throughout the entire process and answered every phone call and question I had. He provided great video explanations of documents that would be otherwise confusing. I would highly recommend Ryan at First Residential Mortgage for any future home purchases.

Leslie Fitzpatrick

21:16 14 Sep 19

Ryan and his team were exceptional throughout my home buying process. Ryan was always accessible for any questions or concerns I had and was proactive in giving me all the information I needed pre and post closing. He is tremendously knowledgeable in the field and found the best option for me when purchasing my home.

fighting Irish

01:52 12 Aug 19

Dakota Dolgos

19:56 03 Aug 19

Ryan and his group are extremely knowledgeable! They answered every question we had with no hesitation and made the process as easy as possible! I have no doubts I will be doing more business with them very soon. Thanks for all your help guys!

Jeffrey Revin

17:41 16 Jul 19

Ryan and his team made our home buying process go seamlessly. Everyone was so helpful in making sure everything happened on time and ultimately made our dreams come true. We couldn’t have done it without First Residential Mortgage and would highly recommend them. Thank you guys!!Brooke & Jeff Revin

Jacob Mills

12:15 14 Jun 19

Ryan was quick, efficient, and very responsive. He answered all of my questions early on, and worked through multiple obstacles to get us the product we wanted. Once we were decided, he guided the process smoothly and efficiently, providing timely updates, and any support we needed along the way. If you are looking for efficiency without the frills, look no further.

Zach Williams

22:11 13 Jun 19

Eric Hudgins

21:51 13 Jun 19

Have dealt with Ryan (First Residential Mortgage) for more all of my mortgages and refinancing for 14 years. I cannot suggest anyone more capable and amazing to work with!

Dan Peets

19:39 14 Apr 19

My wife and I had a tremendous home-buying experience with First Residential Mortgage. Ryan and his team were extremely professional, helpful, and responsive. Highly recommend!

Eric Paulz

12:47 12 Apr 19

Ryan and the rest of the team at First Residential are extremely knowledgeable and experienced. As a first time home buyer, I appreciated the way they walked me through the process and made sure I understood everything. They were always available and quick to answer any questions I had. I never felt like I was out of the loop or uncomfortable about what was going on. I am happy I chose First Residential to help me take this step, and I would highly recommend them to anyone looking to buy a home in the area.

Mario Jones

13:02 01 Apr 19

Ryan was very easy to work with while we purchased our first home! He made the whole process smooth and was available any time to answer any questions that we had.

Cozette Comer

11:47 18 Mar 19

We just bought our first home through First Residential Mortgage and had an excellent experience! Ryan Hall guided us through the process and answered all of my (many) questions about loan structure options and down-the-line benefits and consequences. He spent time making sure we were knowledgeable about our options, and happy with our final decisions.Everything was completed on time (no extensions to our closing date were necessary) and he always responded to questions or document submissions within 24 hours! During the process, he kept us updated by sending out a table with each task completed and required. This allowed us to feel like we were in the loop, even throughout the complex loan acquiring process. We will highly recommend Ryan, and First Residential Mortgage to our friends in the future.

Jeff Akers

01:22 10 Mar 19

My experience and recent home purchase with First Residential Mortgage and Ryan Hall as my mortgage advisor was exceptional. The mortgage process was very easy, simplified and painless. The majority of the process was via email using programs such as Borrower Portal and DocuSign. Virtually no need to visit the office. Ryan is very easy to talk and work with, friendly always smiling with an outstanding attitude. He's very knowledgeable and an expert at what he does. He always returns your phone calls and email messages with all the right answers. If your looking for a mortgage company with a top notch mortgage advisor look no further than First Residential Mortgage and Ryan Hall. Hands down -- 5-stars plus.

Sue Hossack

21:53 04 Mar 19

We had a very good experience with Ryan- My husband was eligible for a Veterans Mortage, but we ran into problems going through Navy Federal Credit Union even though he had banked with them for years. We wasted 2 weeks trying to get it settled, then were referred to Ryan (thanks to James Nolen of ReMax) . Ryan got it sorted out in less than hour and we still closed on the due date. We were very happy with his service, and he answered all our questions, no matter what time we called.

Michele Di Blasi

22:23 01 Mar 19

Ryan Hall is outstanding! We live 3.5 hours from Blacksburg where he helped us obtain a mortgage for a rental property. Ryan was the only one of 4 mortgage brokers we asked who would take the time to review our finances and make it all happen. Great communicator, patient, very organized and on the ball. Will definitely use him again in the future. I highly recommend you take advantage of his superior customer service.

Kate Pennington

01:33 01 Mar 19

We just bought our first home and we couldn’t have had a better experience because of Ryan and First Residential Mortgage! Ryan was able to give us the absolute best rates and he made the entire process incredibly easy (especially for two people who had no idea what they were doing)! We can’t thank Ryan and First Residential Mortgage enough. We would recommend him to anyone and everyone looking to buy a home!

Katherine Webb

21:35 28 Feb 19

Joseph Montgomery

18:48 01 Jan 19

Ryan, at First Residential Mortgage, did a great job with handling our recent real estate transaction. He was very responsive to every question and took the time to explain everything in great detail. If you’re looking for someone to handle your next real estate transaction... I highly recommend Ryan at “First Residential Mortgage”. Ryan, thank you for making our transition to Blacksburg, VA easy and stress free.

Robyn Berg

19:42 18 Dec 18

Ryan is GREAT! Knowledgable and friendly!

Stefanie DeMonaco

15:08 11 Dec 18

Ryan was very helpful in getting us the best loan options available. We were updated regularly with items that required our attention to get things taken care of in time for closing. We were very pleased with the service.

Nicholas Olinger

23:49 24 Nov 18

I had an amazing experience working with Ryan and this company to buy my first house. He was very easy to communicate with and helped me in anyway he could. I would definitely work with him again in future. He helped my sister buy her first house as well

Stacey Freeman

16:11 24 Nov 18

Ryan at First Residential Mortgage has been very thorough and easy to work with. He has been very friendly and informative and always available for questions. I enjoyed working with him very much.

Mallory Miller

14:59 21 Nov 18

My husband and I had a great experience with Ryan at First Residential Mortgage. He made getting a mortgage super simple. Ryan was very attentive, even contacting us while he was on vacation, and made sure all our questions were answered throughout the process. We highly recommend reaching out to Ryan!

Charles Blauth

04:36 11 Nov 18

Ryan makes getting a mortgage very simple. He was very responsive and answered all of our questions . He explained everything to us so we knew what to expect. There was no pressure on us at anytime and we are very happy with the choices we made.

Raja Siva

15:02 08 Nov 18

Thanks a lot Ryan for helping me to bring my dream alive.

13:08 08 Nov 18

Ryan was very generous with his time, helping to explain the details and all our options throughout the process. Highly recommended.

andrew keen

10:50 17 Aug 18

We just purchased our second home through Ryan and Firat residential Mortgage. Ryan is always accessible, patient, and incredibly knowledgeable through the home buying process. He has access to the best rates and is incredibly helpful when trying to decide what type of loan to get, etc. We would recommend FRM over and over again.

brianmchone

19:45 27 Jul 18

Ryan Hall has been an outstanding resource for me in the lending world. He has done several mortgages for me; both residential and investment. If you want a lender who will answer the phone every time you call, then look no further. His company does an outstanding job of keeping you apprised of where things are throughout the process. It's nice not to have to wonder what's going on!I would and do recommend him to anyone who needs a home or investment loan. Top notch service and professionalism at it's finest..

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