Mortgage Loans in Virginia

I'm Joe Gross, a mortgage broker licensed in Virginia, working with homebuyers from Bristol VA and Abingdon to Roanoke, Richmond, and Northern Virginia.

Being licensed in both Tennessee and Virginia matters here in the Tri-Cities — plenty of my buyers look at homes on both sides of State Street. I can handle either side without handing you off.

I'm now approved to offer Virginia Housing programs, including down payment and closing cost assistance for eligible Virginia buyers. If you've been waiting on the sidelines thinking you need 20% down, this could change the math — let's talk.

Loan programs I work with in Virginia:
- Conventional loans (Fannie Mae / Freddie Mac)
- FHA loans — low down payment options for qualifying buyers
- VA loans — for veterans, active-duty military, and eligible spouses
- USDA loans — strong fit for rural and small-town Virginia
- Virginia Housing (VHDA) programs — down payment and closing cost assistance for eligible buyers
- Refinance — rate-and-term and cash-out

Areas I serve in Virginia: Bristol VA, Abingdon, Lebanon, Roanoke, Richmond, Norfolk, Northern Virginia — licensed statewide.

NMLS: Joe Gross NMLS #2286533 | Encore Lending Group NMLS #1249911. Licensed in TN and VA.

Call or text (304) 561-4957 or email Joe@EncoreLG.com for a free consultation.