--- title: "PierPoint Mortgage in Alexandria, VA | $0 Broker Fee, 24-Hour Pre-Approval" description: "Alexandria, Virginia mortgage broker compares 100+ wholesale lenders. FHA, VA, conventional, jumbo. 24-hour pre-approval. Call (571) 600-6384 for a free rate comparison." author: "PierPoint Mortgage" date: "2026-05-20" tags: ["mortgage broker Alexandria"] canonical: "https://pierpointmortgage.com/locations/alexandria-va/" last_updated: "2026-09-20" --- # PierPoint Mortgage in Alexandria, VA | $0 Broker Fee, 24-Hour Pre-Approval **By PierPoint Mortgage** | May 20, 2026 Alexandria, Virginia mortgage broker compares 100+ wholesale lenders. FHA, VA, conventional, jumbo. 24-hour pre-approval. Call (571) 600-6384 for a free rate comparison. --- [Mortgage Broker](https://pierpointmortgage.com/mortgage-broker/) · Alexandria, Virginia PierPoint Mortgage is a broker, not a bank, and Shannon Swartz shops your application with more than one hundred lenders so alexandria mortgage rates stay competitive. Serving Alexandria homebuyers from our Muskegon, Michigan headquarters — fully licensed in Virginia, 100+ wholesale lender partners, $0 broker fees, 24-hour [pre-approval](https://pierpointmortgage.com/get-your-free-mortgage-consultation/). [Call (571) 600-6384](tel:+15716006384)[Apply Online — 10 Min](https://shannonswartz.zipforhome.com/LoanApplication/Contact?Language=E&IsStart=Y) ★★★★★ 4.9 · 152 reviews·NMLS #112844·Founded 2003 · 20+ years SERVICE AREAS ## Proudly Serving [Virginia](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-virginia/) & the Top 15 Metros Our licensed mortgage team has helped **thousands of Virginia homebuyers** compare rates from 100+ wholesale lenders. Click any city below to see local loan limits, rates, and [FHA](https://pierpointmortgage.com/fha-loans/) programs — or call [(571) 600-6384](tel:+15716006384). [📍Virginia Beach](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-virginia/mortgage-broker-virginia-beach-va/)[📍Norfolk](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-virginia/mortgage-broker-norfolk-va/)[📍Chesapeake](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-virginia/mortgage-broker-chesapeake-va/)[📍Arlington](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-virginia/mortgage-broker-arlington-va/)[📍Richmond](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-virginia/mortgage-broker-richmond-va/)[📍Newport News](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-virginia/mortgage-broker-newport-news-va/)[📍Alexandria](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-virginia/mortgage-broker-alexandria-va/)[📍Hampton](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-virginia/mortgage-broker-hampton-va/)[📍Roanoke](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-virginia/mortgage-broker-roanoke-va/)[📍Portsmouth](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-virginia/mortgage-broker-portsmouth-va/)[📍Suffolk](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-virginia/mortgage-broker-suffolk-va/)[📍Lynchburg](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-virginia/mortgage-broker-lynchburg-va/)[📍Charlottesville](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-virginia/mortgage-broker-charlottesville-va/)[📍Reston](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-virginia/mortgage-broker-reston-va/)[📍Manassas](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-virginia/mortgage-broker-manassas-va/) ABOUT THIS LOCATION ## About Our Alexandria, VA Mortgage Services Virginia housing markets range from competitive Northern Virginia inside the DC metro to affordable Roanoke and Hampton Roads. PierPoint Mortgage helps Alexandria homebuyers win in this market by comparing rates across 100+ wholesale lenders, securing 24-hour pre-approvals that real estate agents trust, and structuring loans (FHA, VA, [conventional](https://pierpointmortgage.com/conventional-loans/), jumbo, DSCR) tailored to Virginia’s loan limits and regulatory environment. We’re licensed by the Virginia State Corporation Commission and have been originating mortgages in Virginia since 2003. While our headquarters is in Muskegon, Michigan, our entire process is digital — application, document upload, e-signature, and closing coordination all happen remotely. Alexandria clients don’t need to visit a physical office. LOAN OPTIONS ## Mortgage Products Available in Alexandria, VA [Conventional Loans3% down · Conforming + high-balance limits · Best for credit 680+](https://pierpointmortgage.com/conventional-loans/) [FHA Loans3.5% down · Virginia county loan limits · Credit 580+](https://pierpointmortgage.com/fha-loans/) [VA Loans$0 down for veterans · No PMI · No loan cap for 100% entitlement](https://pierpointmortgage.com/va-loans/) [Jumbo LoansUp to $3M+ · Best for homes above conforming limits](https://pierpointmortgage.com/jumbo-loans/) [DSCR Investor LoansNo income verification · Based on rental cash flow](https://pierpointmortgage.com/dscr/) [RefinancingCash-out, rate-and-term, FHA streamline · Compare 100+ lenders in 24 hours](https://pierpointmortgage.com/mortgage-refinancing/) FREQUENTLY ASKED ## Alexandria Mortgage Questions ### What are current mortgage rates in Alexandria, VA? Mortgage rates in Alexandria track national rates but vary by loan type, credit score, and down payment. PierPoint Mortgage compares quotes from 100+ wholesale lenders in real time. [Call (571) 600-6384](tel:+15716006384) for today’s rate. ### How much do I need for a down payment in Alexandria? Down payment minimums in Alexandria depend on loan type: 3% conventional, 3.5% FHA, 0% VA (for eligible veterans). Virginia also has state-level down-payment-assistance programs that can lower out-of-pocket costs significantly. ### Is PierPoint Mortgage licensed in Virginia? Yes — PierPoint Mortgage LLC (NMLS #112844) is licensed by the Virginia State Corporation Commission to originate residential mortgages in Virginia, including Alexandria and all surrounding service areas. ### Do I need to come to your office in person? No. Our entire process is digital — application, document upload, e-signature, and closing. Alexandria clients work entirely with our team by phone, email, and our secure online portal. No in-person office visit required. ### How long does pre-approval take for a Alexandria home? 24 hours for most files. Submit your documents in our portal Monday morning, get your pre-approval letter by Tuesday morning — ready for your real estate agent to use on Alexandria listings the same week. ### Where can I find a mortgage broker in Alexandria? A mortgage broker in Alexandria can compare loan options from multiple wholesale lenders instead of offering only one bank’s products. PierPoint Mortgage works this way, taking your application and reviewing it against lender guidelines and pricing to help match the loan to the property, your income type, and your goals. That can be useful for buyers, refinancers, and investors alike. ### Are Alexandria mortgage companies better than a bank? It depends on the borrower’s file. Mortgage companies and banks can both help, but a broker adds another layer by shopping the loan to multiple wholesale lenders. That gives Alexandria buyers a wider look at available programs, especially when the file is unique, the property is unusual, or the borrower wants to compare more than one execution path. ### Can an Alexandria mortgage broker help with first time home buyer programs? Yes. A mortgage broker can review first time home buyer programs, first time home buyer loans, and FHA first time home buyer options that may fit the file. In Alexandria, that can be helpful when the borrower wants guidance on program structure, down payment assistance, or which loan type may be more practical for the home and budget. ### Do Alexandria mortgage companies offer down payment assistance? Some lenders and broker channels may have access to down payment assistance, but the details depend on the borrower, the property, and the lender menu available at the time. PierPoint reviews options across its wholesale lender network and can help identify whether a down payment assistance path is available for a Virginia purchase without naming a specific program. ### Can a mortgage broker help with a self-employed Alexandria home loan? Yes. A mortgage broker can often help self-employed borrowers compare options such as bank statement loans or Profit and Loss Only loans when standard income documents do not show the full picture. PierPoint reviews those files across wholesale lenders to see which program is available for the borrower’s situation and the Alexandria property. GET STARTED ## Ready to Get Pre-Approved in Alexandria? See your real rate from 100+ wholesale lenders. Most Alexandria first-time buyers pay $0 in broker fees. Pre-approval in 24 hours. [(571) 600-6384 — Free Rate Comparison](tel:+15716006384) [Apply Online](https://shannonswartz.zipforhome.com/LoanApplication/Contact?Language=E&IsStart=Y) · [Quick Quote](https://pierpointmortgage.com/quick-quote/) NMLS #112844 · Licensed in Virginia · [NMLS Consumer Access](https://nmlsconsumeraccess.org/) --- **Shopping a mortgage in one of our 15 states?** PierPoint Mortgage is an independent brokerage, NMLS #112844, licensed since 2003. We compare wholesale rate sheets from 100+ lenders instead of selling one bank's products, and give you a written quote before you commit to anything. - Free rate comparison: (231) 737-9911 - Apply: https://pierpointmortgage.com/apply/ - Full page: https://pierpointmortgage.com/locations/alexandria-va/