Hampton Roads · Northern Virginia · Fort Lee
Yes. You can use a VA loan anywhere in Virginia, from Hampton Roads to Northern Virginia. Veterans rated 100% permanent and total pay no real estate tax on their home, and military retirees can subtract up to $40,000 of retirement pay from state income tax. We lend in Virginia and help families buy near every base in the state.
Good to know
If the VA rates you 100% permanent and total, your home and up to one acre are exempt from local real estate tax. Apply with your local commissioner of the revenue. A surviving spouse who doesn't remarry can keep the exemption.
Much of Norfolk, Virginia Beach and the surrounding area is low and close to the water. Flood insurance can add real money to your payment, so we check the flood zone before you make an offer.
Near Fort Belvoir, Quantico and the Pentagon, good homes can sell quickly. A full pre-approval, not just a quick estimate, helps your offer stand out.
Tax rules shown are general and current as of October 2026. Confirm the details with your county or the state before you rely on them.
PCSing to Virginia?
Wherever your orders say, we lend there. Here's where families usually look.
Virginia questions
Partly. Starting with tax year 2025, you can subtract up to $40,000 of military retirement pay each year, at any age. Anything above that is taxed like normal income. VA disability pay isn't taxed.
Veterans rated 100% permanent and total, including those paid at 100% for unemployability who are also rated permanent and total. It covers your main home and up to one acre. There's no income or age limit.
If the home is in a high-risk flood zone, your lender will require it. Many owners outside those zones buy it anyway. We'll help you get a quote early so it doesn't surprise you at closing.
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