Realize Your Dream of Home Ownership

Welcome to Exceed Home Loans, your Virginia home loan experts dedicated to making sure your home purchase or refinance experience is top-notch.

Contact Us Today! Apply Now!

Explore Your Loan Options

Learn More

Estimate Your Mortgage Payment

Get Started

What's Your Home Worth Today?

Find Out Now

Real Customer Experiences

Read Reviews

Current Virginia Mortgage Rates

FHA Loan Purchase - 30 Year Fixed

Rate2.32%
1W Change 0.21%
APR3.054%
1W Change 0.25%
Last Updated: 09/27/2020

Conventional Loan Purchase - 30 Year Fixed

Rate3.09%
1W Change 0.10%
APR3.156%
1W Change 0.10%
Last Updated: 09/27/2020

VA Loan Purchase - 30 Year Fixed

Rate2.46%
1W Change 0.08%
APR2.74%
1W Change 0.12%
Last Updated: 09/27/2020

All mortgage rates displayed are provided by Zillow based on borrowers with credit scores between 680-740 and represent averages and trends. Please consult with Exceed Home Loans to receive a personalized rate for your specific situation.

Current Virginia Refinance Rates

FHA Loan Refinance - 30 Year Fixed

Rate2.50%
1W Change 0.15%
APR3.236%
1W Change 0.14%
Last Updated: 09/27/2020

Conventional Loan Refinance - 30 Year Fixed

Rate2.99%
1W Change 0.07%
APR3.054%
1W Change 0.07%
Last Updated: 09/27/2020

VA Loan Refinance - 30 Year Fixed

Rate2.68%
1W Change 0.14%
APR2.988%
1W Change 0.16%
Last Updated: 09/27/2020

All mortgage rates displayed are provided by Zillow based on borrowers with credit scores between 680-740 and represent averages and trends. Please consult with Exceed Home Loans to receive a personalized rate for your specific situation.

  • Working with EHL was nothing short of awesome. Amber done a great job in keeping things moving and staying in control of things with her team. I would highly recommend them to my friends and family. Thank you Amber for all your hard work to help our family out to get a great rate on… Toby A Stanley - August 6, 2020

More from Zillow

4.88 Rating ∙ 8 Reviews on Zillow

Tim Fusaro is Top Notch!

Kristi Haines - 06/11/2019

I don't normally write reviews, but I have to give credit where credit is due. Tim was excellent to work with and helping us purchase our forever home! He was responsive and very proactive. He answered every question I had, no matter how small. I was told by friends that working with lenders would be the most difficult part of buying a home; not in this case! Tim made the process easy, was upfront and clear with what was needed, and laid out all the next necessary steps. I feel extremely fortunate to have connected with Tim and Exceed Home Loans! Tim has my highest recommendation!

Loan Purpose Purchase
Mortgage services provided by Tim Fusaro - Virginia Virginia

Went Above and Beyond

William S - 10/05/2018

When there looked like there would be a last-minute, unforeseen hangup with USDA, Tim pulled out all the stops, and got his team to work incredibly hard with me and USDA in order to get us approved. Tim was friendly, personable, and helpful, and I couldn't be happier with his help. I will recommend him to anyone and everyone looking for a mortgage lender, and will use him again for all subsequent purchases.

Loan Type USDA
Loan Purpose Purchase
Loan Program 30 Year Fixed
Mortgage services provided by Tim Fusaro - Virginia Virginia

Highly recommend

Jack Donohue - 06/18/2018

Tim Fusaro is a true professional in his industry. He was timely with communication, knowledgeable about his product and process, and worked hard to give our family the best deal possible along with delivering a great experience throughout. Tim went out of his way to make sure we received the best mortgage solution on the market from our first point of contact up untill after the sale. I look forward to referring Tim.

Loan Type FHA
Loan Purpose Purchase
Loan Program 30 Year Fixed
Mortgage services provided by Tim Fusaro - Virginia Virginia

New home loan

Tamara Herron - 05/30/2018

Tim walked me through the entire process and answered all my questions including the point of buying a rehab and needing a construction loan. He outlined the details between the conventional and FHA loans and always got back with me quickly with details of the loans progression.

Loan Type FHA
Loan Purpose Purchase
Loan Program 30 Year Fixed
Mortgage services provided by Tim Fusaro - Virginia Virginia

Professional, fast, helpful

AndrewCisk - 04/24/2018

Tim was a great asset and guide in our first home purchase. He was always available to answers our questions and very quick in setting up meetings and providing walkthroughs of all the paperwork.

Loan Type Conventional
Loan Purpose Purchase
Loan Program 30 Year Fixed
Mortgage services provided by Tim Fusaro - Virginia Virginia

Professional, personal, available 24/7

JMcMahon - 04/24/2018

Tim Fusaro with IHM was highly recommended by a friend, and completely surpassed my high expectations. He was available every step of the way, and was always will and able to help with professional and effective advice. He accommodated my inconsistent work schedule, and was willing to meet with me multiple times after 7pm. From a professional office setting, to having a drink at the Mill, Tim proved to be flexible, knowledgable, and accurate. Buying a home for the first time was easy with Tim, and I would highly recommend him for first-time home buyers, as well as buyers looking to be informed and in control throughout the entire process. Solid five stars.

Loan Type Other
Loan Purpose Purchase
Mortgage services provided by Tim Fusaro - Virginia Virginia

Looking for a mortgage? Look no further!!!

beller daniel - 08/22/2017

Tim Fusaro with IHM will take great care of any of your home loan needs. Professional, knowledgeable, responsive, and friendly. Give him a call, and see for yourself! I've worked with Tim on several loans and a refinance now and could not recommend him more highly. On this most recent loan, we got prequalified very quickly after application, and closing happened right on time with no surprises or hold-ups. We couldn't be happier with his help and customer-first approach.

Loan Type Conventional
Loan Purpose Purchase
Loan Program 30 Year Fixed
Mortgage services provided by Tim Fusaro - Virginia Virginia

Wonderful

AndrewMasiello - 07/17/2017

Buying a home can be a stressful experience, especially your first home. Tim worked very hard to make sure my experience was pleasant and went so very smooth. He was knowledgeable and able to answer all of my questions and even locked in and lower rate at the last minute for me! If you need a lender, Tim is your man!

Loan Type USDA
Loan Purpose Purchase
Loan Program 30 Year Fixed
Mortgage services provided by Tim Fusaro - Virginia Virginia

Mortgage Calculators

Conventional mortgages are ideal for buyers with good credit and money to put down. They typically require a higher down payment, usually 5%–20% and also have higher income and credit score requirements than government loans. Typical fixed-rate loans have a term of 30 or 15 years.

$

5%

1%

5%

$
$

$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

FHA loans are designed to benefit first-time homebuyers and buyers with less than perfect credit and not a lot of money to put down. FHA loan limits vary by county. Click here to see the loan limits in your area.

$

5%

1%

5%

$
$

$1421

Monthly FHA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Monthly Mortgage Insurance $0

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

If you are a veteran or a current member of the U.S. military, you can apply for a VA Loan, which currently offers up to 100% home financing. Thank you for your service!

$

0%

1%

4.5%

$
$

$1421

Monthly VA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Purchase Price $1421

VA Funding Fee $1421

Amount Financed $1421

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Instant Home Valuation

Just Purchased A Home? Make Sure To Check These Items Virginia September 22, 2020

Just Purchased A Home? Make Sure To Check These Items

It's hard work becoming a homeowner. After you move into your new Virginia house, realize that the work may not be completely finished yet. Here are a few things you should take a look at right away in order to maintain your new home. Gutters Your gutters are an important part of your home. They're…

Read More
Behr Announces 2021 Color Forecast Virginia September 15, 2020

Behr Announces 2021 Color Forecast

Behr Paint Co. unveiled 21 versatile colors on Monday to make up its Color Trends 2021 Palette. The colors include neutrals mixed with some lavish bolds to create “energizing, yet comforting” focal points in a home, Behr says. “This has been a year of unpredictability and 2020 has significantly changed our relationship with home,” says…

Read More
Steps You Can Take To Prepare For Buying A Home In Virginia Virginia September 8, 2020

Steps You Can Take To Prepare For Buying A Home In Virginia

With national inventory down almost 30%, the Virginia housing market has become more competitive. That’s especially true when it comes to mid-priced, affordable houses. So how do you get ahead in a hot market? The key is preparation. The sooner you start preparing to buy a house, the easier it’ll be to beat the competition.…

Read More
X

Get in Touch

Contact Exceed Home Loans

Exceed Home Loans

27 S. Royal Ave.
Front Royal, Virginia 22630
(540) 247-5077
NMLS# 1029871
  • Zillow

Send an Email

X Exceed Home Loans

If you have any immediate questions or concerns don't hesitate to give us a call @ (540) 247-5077

0%

I agree to the following terms & conditions

I hereby certify that the information given in my submission is complete and correct and is given for the purpose of potentially obtaining a mortgage loan and/or financial services applied for.