Why Financing Matters

Access to preferred lenders who understand the Virginia & Maryland markets

Guidance through every step: pre-approval, underwriting, closing.

Specialization in VA, FHA, Conventional, Jumbo, and USDA loans.

Exclusive resources for military and first-time buyers.


Our Preferred Lending Partners

These institutions have proven track records of serving our clients with excellence.

Fairway Independent Mortgage

  • Known for speed and customer service.
  • Flexible conventional and FHA loan options.

Navy Federal Credit Union

  • #1 choice for active duty, veterans, and military families.
  • Low-down-payment VA loans and member benefits.

USAA

  • Nationwide support for military families.
  • Streamlined VA and insurance bundling options.

Virginia Credit Union (VACU)

  • Local financing with competitive rates.
  • Special programs for teachers and first-time buyers.

Citizens and Farmers Bank (C&F Bank)

  • Community banking with personal service.
  • Portfolio loan options for unique borrower situations.

Wells Fargo Home Mortgage

  • National reach with robust jumbo and specialty programs.
  • Technology-driven pre-approval and mobile app.

Tools & Resources


MORTGAGE CALCULATOR

Use our home loan calculator to estimate your total mortgage payment, including taxes and insurance. Simply enter the price of the home, your down payment, and details about the home loan, to calculate your mortgage payment, schedule, and more.
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Your mortgage payments over 30 years will add up to $0.

AFFORDABILITY CALCULATOR

Use this calculator to determine how much house you can afford. By entering details about your income, down payment, and monthly debts, you can estimate the mortgage amount that works with your budget.
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You can afford a home up to: $0
Your debt-to-income ratio is 36%
Quite affordable.
View Affordable Properties
Payment Breakdown：
$0 Month

 Credit Readiness Checklist

Steps to Improve Your Mortgage Approval Odds

✅ Check your credit report for errors at annualcreditreport.com.
✅ Pay down credit card balances to below 30% of the limit.
✅ Avoid opening new lines of credit 3–6 months before applying.
✅ Make all payments on time — even one late payment can hurt scores.
✅ Maintain stable employment and income documentation.
✅ Save for reserves (lenders like 2–3 months of expenses in the bank).
✅ Avoid large unexplained bank deposits before mortgage application.
✅ Keep old credit lines open (length of history helps scores).

Military & Veteran Buyers

 

Expert guidance on VA loan eligibility & benefits.

Partnerships with Navy Federal, USAA, and VACU to streamline the process.

ZERO down payment and no PMI for eligible borrowers.

B. Allen Realty

B. ALLEN REALTY

Phone

+1(804) 347-9819

Address

5410 New Kent Hwy, Quinton, VA, 23141, USA

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