Nate Moghadam  ·  NMLS #906770  ·  Fairway Independent Mortgage

Mortgage Loans in Virginia

From the fast-moving suburbs of Northern Virginia to Richmond's neighborhoods to the military communities of Virginia Beach, Nate Moghadam helps Virginia buyers with every loan program — including VA loans for the state's large veteran population.

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Licensed in Virginia
10+ Years Experience
5-Star Rated
Direct Access to Nate
Licensed in Virginia

Your Local Mortgage Expert in Virginia

I'm Nate Moghadam, a mortgage loan officer with Fairway Independent Mortgage Corporation, fully licensed in Virginia. Virginia is home to some of the most competitive real estate submarkets in the country — particularly Northern Virginia's DC suburbs (Arlington, Alexandria, Fairfax, Loudoun) — along with strong markets in Richmond, Virginia Beach, Hampton Roads, and Charlottesville.

Virginia has one of the largest concentrations of active-duty military, veterans, and government employees in the country, which makes VA loan expertise especially important here. I'm well-versed in VA loan guidelines and have helped many Virginia veterans use their benefit for the first time or take advantage of their VA entitlement on a new purchase. I also offer FHA, Conventional, and Jumbo loans for Northern Virginia buyers where property values regularly exceed conforming loan limits, and Non-QM programs for the many self-employed professionals and government contractors in the DC metro area.

Virginia's market demands a lender who can compete: fast pre-approvals, clear communication, and on-time closings. I've built my entire business on that standard. Whether you're buying in Falls Church or Virginia Beach, I'll be in your corner the whole way.

  • All major loan types: FHA, Conventional, VA, Jumbo, and Non-QM loans available in Virginia
  • Fast pre-approvals: Solid pre-approval letters that give you a real edge in competitive markets
  • Direct communication: Call or text Nate directly — no call centers, no voicemail loops
  • On-time closings: Agents and buyers across Virginia trust Nate to close on schedule
Book a Free Call (617) 945-3632

Ready to Buy in Virginia?

Get started today. Pre-approval takes minutes and there's no obligation.

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(617) 945-3632 nate@nateloans.com

Nate Moghadam · NMLS #906770
Fairway Independent Mortgage Corp · NMLS #2289
Equal Housing Lender

Available Programs

Loan Types Available in Virginia

Every buyer's situation is different. Nate will help you find the program that fits your goals and finances.

FHA Loans

Great for first-time buyers. Down payments as low as 3.5% and flexible credit requirements.

  • Down payment from 3.5%
  • Flexible credit requirements
  • Government-backed
Learn About FHA

Conventional Loans

Competitive rates, no upfront MIP, and down payments from 3% for qualified buyers.

  • Down payment from 3%
  • No upfront MIP
  • PMI removable when eligible
Learn About Conventional

VA Loans

Zero down payment, no PMI, and competitive rates for veterans and active-duty military.

  • 0% down payment
  • No private mortgage insurance
  • Competitive VA rates
Learn About VA

Jumbo Loans

Financing for high-value properties above conforming loan limits — common in Northern Virginia and the DC suburbs.

  • Above conforming limits
  • Competitive rates
  • Flexible underwriting
Learn About Jumbo

Non-QM Loans

Self-employed? Investor? Flexible qualification for buyers who don't fit the standard box.

  • Bank statement programs
  • Investor cash flow loans
  • ITIN & alternative doc
Learn About Non-QM

Not sure which loan is right for you?

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Common Questions

Mortgage FAQs for Virginia Buyers

Straight answers to the questions Nate hears most from buyers in Virginia.

Yes. Nate Moghadam (NMLS #906770) is fully licensed in Virginia through Fairway Independent Mortgage Corporation (NMLS #2289). You can verify his license at NMLS Consumer Access.
Nate offers FHA loans (3.5% down), Conventional loans (3% down), VA loans (0% down for veterans), Jumbo loans for high-value Northern Virginia properties, and Non-QM loans for self-employed buyers and investors.
As little as 3.5% with an FHA loan (580+ credit score), 3% with a Conventional loan for first-time buyers, or 0% with a VA loan for eligible veterans. Nate will help you find the right fit for your savings and situation.
Northern Virginia — including Arlington, Alexandria, Falls Church, and Fairfax County — is one of the most consistently competitive markets in the nation, fueled by proximity to Washington, D.C. and a high concentration of government and tech employment. Properties frequently attract multiple offers. A fast, credible pre-approval from a lender agents trust is essential. Nate's reputation for on-time closings gives his Virginia clients a genuine edge.
A typical purchase closes in 30–45 days from accepted offer. Pre-approval can happen in 1–2 business days. Nate works proactively to hit your contracted close date — on-time closings are something his agent partners specifically rely on.
Apply online — it takes about 10 minutes. Or book a free call with Nate to talk through your situation first. No pressure, no obligation.

Ready to buy in Virginia?

Talk to Nate directly — no forms, no call centers, no runaround.

Book a Free Call Get Pre-Approved