City of RichmondRichmond City
Fan rowhouses, Church Hill Italianates and Manchester conversions, with the oldest housing stock in the region.
- Median price
- $392,000
- Typical loan
- $353,000
The Fan · Church Hill · Museum District · Manchester
Richmond metro
Six localities, six different lending problems
A mortgage is a local business pretending to be a national one. Lead paint in Church Hill, HOA dues in Chesterfield, acreage in Hanover, jumbo in Goochland.
Areas
- City of Richmond
HenricoHenrico County
Short Pump new build, West End brick colonials and the Lakeside cottages that first-time buyers actually reach.
- Median price
- $425,000
- Typical loan
- $382,500
Short Pump · Glen Allen · Tuckahoe · Lakeside
ChesterfieldChesterfield County
The region's volume market: Midlothian, Brandermill and the steady supply of three-bedroom homes under the price caps.
- Median price
- $378,000
- Typical loan
- $340,000
Midlothian · Brandermill · Woodlake · Chester
HanoverHanover County
Mechanicsville, Ashland and acreage north of the city, where land value starts to complicate the appraisal.
- Median price
- $412,000
- Typical loan
- $370,800
Mechanicsville · Ashland · Atlee · Rockville
- Powhatan
Powhatan County
Large lots, well and septic as standard, and the widest USDA eligibility footprint in the metro.
- Median price
- $445,000
- Typical loan
- $400,500
Powhatan Courthouse · Flat Rock · Macon · Ballsville
GoochlandGoochland County
Manakin-Sabot and the Route 6 corridor, where jumbo financing and equestrian acreage are routine.
- Median price
- $598,000
- Typical loan
- $478,400
Manakin-Sabot · Sandy Hook · Crozier · Maidens
Median prices and typical loan amounts are sample figures for this demonstration site.
Outside the metro
Three states, and an honest referral beyond them
Licensed in Virginia, Maryland and North Carolina. Property outside those three cannot be originated here, and I will say so on the first call rather than the third.
Elsewhere in Virginia
Hampton Roads, Charlottesville, Fredericksburg and Northern Virginia are all workable remotely. The appraisal and settlement network is different, so add a few days to the timeline.
Maryland and North Carolina
Both licensed. Most of this volume is clients relocating out of Richmond who would rather keep the same broker than start again with a stranger.
Anywhere else
A referral to a broker I know and would use myself, with an introduction rather than a form. No referral fee is paid or accepted in either direction.
Tell me the address, I will tell you the quirks
County, housing stock, HOA, well and septic, USDA eligibility and whether the price crosses the conforming limit. Five minutes on the phone settles all of it.
Three wholesale quotes on the same day's pricing, before you choose.