Mortgages and Financing in Hampton Roads

Rates, VA loans, down payments and mortgage strategy for Hampton Roads buyers — including what Fed decisions actually do to local payments.

5 posts · all topics
Virginia Just Made It Easier to Get a Mortgage on a Manufactured Home — Here's What Changed and Why It Matters

Virginia Just Made It Easier to Get a Mortgage on a Manufactured Home — Here's What Changed and Why It Matters

Virginia has updated its rules around manufactured home titling, and for buyers and owners in Hampton Roads, that matters. The changes open the door to traditional mortgage financing on homes that previously could only be purchased with higher-cost personal property loans. Here is what you need to know.

September 2, 2026
New Bill Could Extend State Homebuying Benefits to Surviving Military Spouses — What Hampton Roads Families Should Know

New Bill Could Extend State Homebuying Benefits to Surviving Military Spouses — What Hampton Roads Families Should Know

A new federal bill could extend state homebuying benefits to surviving military spouses who currently lose access when their veteran partner passes away. For Hampton Roads, one of the most veteran-dense regions in the country, this change could affect thousands of local families. Here's what the bill would do and why it matters.

August 21, 2026
Fed Holds Rates Steady — What It Means for Hampton Roads Buyers and Homeowners (July 2026)

Fed Holds Rates Steady — What It Means for Hampton Roads Buyers and Homeowners (July 2026)

The Federal Reserve held the federal funds rate at 3.50–3.75% at its July 28–29, 2026 meeting. Here's what that decision means for mortgage rates, home buyers, sellers, and military families across Hampton Roads.

July 30, 2026
Fed Holds Rates Steady — What It Means for Hampton Roads Buyers and Homeowners (June 2026)

Fed Holds Rates Steady — What It Means for Hampton Roads Buyers and Homeowners (June 2026)

The Federal Reserve voted 12–0 on June 17, 2026 to hold the federal funds rate at 3.5%–3.75%. Here's what that decision means for mortgage rates, buyer demand, and homeowners across Hampton Roads.

June 22, 2026
15-Year vs. 30-Year Mortgage in Hampton Roads: A Real Side-by-Side Comparison

15-Year vs. 30-Year Mortgage in Hampton Roads: A Real Side-by-Side Comparison

Should you go with a 15-year or 30-year mortgage on your Hampton Roads home? Barry Jenkins runs the real numbers on a $400K purchase — monthly payments, total interest, and equity over time — so you can decide with confidence.

May 4, 2026