Your Local Mortgage Lender in Northern Virginia

An FHA loan is a mortgage insured by the Federal Housing Administration. It allows down payments as low as 3.5% and is accessible to borrowers with credit scores starting at 580. FHA loans are popular with first-time home buyers.

A VA loan is a mortgage guaranteed by the U.S. Department of Veterans Affairs. It offers 100% financing with no down payment required for eligible veterans, active-duty service members, and surviving spouses.

A conventional loan is a non-government mortgage that meets Fannie Mae and Freddie Mac guidelines. It typically requires a minimum credit score of 620 and offers financing up to 97% of the purchase price.

A jumbo loan is a conventional mortgage that exceeds the conforming loan limits set by the Federal Housing Finance Agency. For 2026, the conforming loan limit is $832,750 in most counties and $1,249,125 in high-cost areas.

A Non-QM (Non-Qualified Mortgage) loan is designed for borrowers whose income or financial profile does not fit traditional guidelines. It is ideal for self-employed borrowers, gig workers, and those with variable income, using bank statements or 1099s to verify income.

You can get a free mortgage quote by using our online Loan Qualifier tool. Fill out your basic information and receive personalized loan options in minutes with no obligation.

Yes, Loans with Nixon is licensed to offer FHA, VA, conventional, jumbo, and Non-QM mortgage loans in Virginia, Maryland, and Washington DC. Call 703-303-3000 to speak with a licensed loan officer.

Yes, we offer ITIN loans that allow borrowers with an Individual Taxpayer Identification Number to buy a house with as little as 10% down in Virginia, Maryland, and DC, without requiring a Social Security Number.

If you are self-employed, you can qualify for a Non-QM loan using bank statements instead of tax returns. This allows you to use your actual cash flow to qualify, even if your taxable income appears lower.