Fredericksburg, Virginia · Mid-Atlantic Market · NMLS #2656628

Fredericksburg, VA Mortgage Lender, VA Loans, DSCR & Every Loan Type.

Fredericksburg, Virginia sits at the center of one of the mid-Atlantic's most dynamic real estate markets, between Richmond and Washington, DC, with strong military presence from Quantico and Fort Belvoir. Ken Powell at Fairway Home Mortgage serves Fredericksburg home buyers, veterans, and investors with every loan program available.

Find My Mortgage Path Send Me a Scenario →

Fast pre-approvals with complete docs Lives in Calvert County Retired U.S. Navy veteran Fairway Home Mortgage

Ken Powell

Mortgage Loan Officer · Fairway Home Mortgage

NMLS #2656628 · Equal Housing Lender

Fredericksburg Virginia Mortgage

Fredericksburg's Growing Market, Every Loan Type, Fast Pre-Approvals.

Fredericksburg attracts buyers from Richmond priced out of Northern Virginia, DC commuters seeking more space, and military families from the surrounding military corridor. We serve the full Fredericksburg market with fast pre-approvals and every loan program available.

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Military & VA Specialist

Retired U.S. Navy veteran. Fredericksburg sits near Quantico and the broader Northern Virginia military corridor. VA loans with $0 down and no PMI for eligible buyers.

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Fredericksburg Investment Properties

Strong rental demand from military and government workers. DSCR loans for Fredericksburg investment properties, qualify on cash flow, not W-2 income.

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First-Time to Luxury

From starter homes in Spotsylvania to historic downtown Fredericksburg properties and luxury builds, we offer loan programs across the full price spectrum.

Loan Programs

Every Loan Type Available in Fredericksburg.

Ken Powell and Fairway Home Mortgage offer every loan program available to Fredericksburg home buyers, veterans, and investors.

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VA Loans

$0 down, no PMI for eligible veterans and active-duty service members in Fredericksburg. As a retired Navy veteran, I've used this benefit personally.

$0 down · No PMI

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USDA Loans

Many areas of Fredericksburg qualify for USDA Rural Development, 100% financing, low mortgage insurance. I check eligibility at no cost.

$0 down · Rural eligible

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Conventional Loans

3 to 20% down options. Competitive rates for Fredericksburg home buyers with strong credit.

As low as 3% down

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DSCR Investor Loans

Qualify on rental cash flow, not your W-2. Perfect for Fredericksburg buy-and-hold investors and landlords.

No W-2 required

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Bank Statement / 1099

Self-employed Fredericksburg buyers and contractors qualify on deposits, not tax returns.

No tax returns

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Jumbo Loans

High-value homes above $832,750 in Fredericksburg. Waterfront, estates, and luxury builds.

Above conforming limits

Our Process

Simple. Transparent. From Goal to Closing.

Find Your Path

Start with your goal, timeline, property, and financial picture before choosing a loan program.

Review the Scenario

Compare the financing paths worth exploring and understand the tradeoffs before applying.

Get Pre-Approved

Complete the secure application and submit the documents needed for underwriting when you are ready.

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Close With Confidence

Stay informed through underwriting, appraisal, rate lock, and closing.

Frequently Asked Questions

Mortgage Questions from Local Buyers, Answered.

Do you offer mortgages in Fredericksburg, Virginia?+

Yes, Ken Powell at Fairway Home Mortgage is licensed in Virginia, Maryland, and DC and serves the entire Fredericksburg and Stafford/Spotsylvania area market.

Are VA loans available in Fredericksburg?+

Yes, VA loans are available throughout Fredericksburg and the surrounding Virginia military corridor. As a retired Navy veteran, I specialize in VA loans for veterans and active-duty service members in the area.

What are home prices in Fredericksburg, VA?+

Fredericksburg area home prices have ranged from roughly $300,000 for townhomes and starter homes to $700,000+ for larger single-family and luxury properties. The price range varies significantly between Fredericksburg City, Stafford County, and Spotsylvania County.

Can I get a DSCR loan for a Fredericksburg rental property?+

Yes, Fredericksburg has strong rental demand from military and government workers. DSCR loans qualify on the property's rental income, not your W-2. LLCs accepted.

Is Fredericksburg a good market for real estate investors?+

Fredericksburg offers a strong combination of rental demand, lower purchase prices than Northern Virginia, and access to both DC and Richmond employment centers. DSCR loans make it accessible for investors without traditional income documentation.

Ready to Buy in Fredericksburg, VA?

Licensed in Virginia. VA loan expert. Every loan type. fast pre-approvals.

📅 Book a Call Apply Now →

Ken Powell · Fairway Home Mortgage · 8307 Old Leonardtown Road, Hughesville, MD 20637
(240) 237-7855 · ken.powell@fairwaymc.com