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USDA Loans for Southwest Virginia

USDA loan options that may be available for eligible rural and suburban properties throughout Southwest Virginia and the New River Valley, often with no down payment required for qualifying borrowers.

Explore Your Mortgage Options
Local Mortgage Expertise

Meet Yves LaMarre

I'm Yves LaMarre, owner of HomeLoanist LLC, with 30+ years of mortgage experience helping Virginia borrowers. Whether you're buying your first home, moving to the New River Valley, refinancing, tapping home equity or financing an investment property, I offer personal, straightforward guidance.

Contact Yves

Mortgage Options

Conventional Loans

Conventional Loans

Conventional Loans

Flexible financing options may be available for buyers with strong credit and steady income.

FHA Loans

Conventional Loans

Conventional Loans

Down payment and credit-flexible options that may be available for eligible buyers.

VA Loans

Conventional Loans

USDA Loans

Options that may be available for eligible active-duty service members, veterans and their families.

USDA Loans

First-Time Homebuyer Options

USDA Loans

Options that may be available for eligible properties in qualifying rural and suburban areas, often with no down payment required for eligible borrowers.

First-Time Homebuyer Options

First-Time Homebuyer Options

First-Time Homebuyer Options

Programs designed to help first-time buyers explore financing with lower down payment requirements.

Refinancing

First-Time Homebuyer Options

First-Time Homebuyer Options

Options to potentially lower your rate, shorten your term or access better terms may be available.

HELOC & Home-Equity Options

Bank-Statement & Alt-Doc Programs

HELOC & Home-Equity Options

Tap into your home's equity for renovations, debt consolidation or other financial goals.

DSCR Investor Loans

Bank-Statement & Alt-Doc Programs

HELOC & Home-Equity Options

Financing options for real estate investors, based on property cash flow rather than personal income.

Bank-Statement & Alt-Doc Programs

Bank-Statement & Alt-Doc Programs

Bank-Statement & Alt-Doc Programs

Options that may be available for self-employed borrowers using bank statements or other alternative income documentation.

Why Work With Us

Independent mortgage broker with access to multiple wholesale lending partners, not tied to one bank's rate sheet.

Yves LaMarre is also a licensed Virginia Realtor®, giving clients a rare combined perspective on both the financing and the real estate side of a purchase.

30+ years guiding Virginia borrowers through the mortgage process, from first-time buyers to seasoned investors.

Areas We Serve

Dublin & Pulaski County

Radford, Christiansburg & Blacksburg

Radford, Christiansburg & Blacksburg

Local, personalized mortgage guidance for homebuyers and homeowners in Dublin and throughout Pulaski County.

Radford, Christiansburg & Blacksburg

Radford, Christiansburg & Blacksburg

Radford, Christiansburg & Blacksburg

Serving buyers, homeowners and investors across Radford, Christiansburg and Blacksburg, including Virginia Tech-area purchases.

Fairlawn & the New River Valley

Radford, Christiansburg & Blacksburg

Fairlawn & the New River Valley

Helping homebuyers and investors throughout Fairlawn and the greater New River Valley find the right loan program for their goals.

Frequently Asked Questions

Please reach us at yves@homeloanist.com if you cannot find an answer to your question.

It depends on the loan program. Options may be available with as little as 0% down for eligible VA or USDA borrowers, around 3-3.5% for conventional or FHA loans, and other amounts depending on your specific situation.


Many areas of Pulaski County and the surrounding New River Valley qualify for USDA financing, and FHA loans are available throughout Virginia. Eligibility depends on the specific property and your individual situation, so it's worth checking your address and options together.


First-time buyers may have access to programs with lower down payment requirements and flexible credit guidelines, including FHA, USDA and certain conventional options. We can walk through what may be available for your situation.


Yes. Options may be available for investment and rental properties, including DSCR loans that consider the property's cash flow rather than your personal income.


Ready to Explore Your Mortgage Options?

Call, text or start your application online — let's find the right loan program for your goals.

Start Your Application

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HomeLoanist LLC | NMLS #2774169. Yves LaMarre | NMLS #899878. Licensed Mortgage Broker in Virginia. Equal Housing Opportunity.

HomeLoanist LLC

PO Box 109, Dublin, VA, USA 24084

5406287188

Hours

Mon

09:00 am – 05:00 pm

Tue

09:00 am – 05:00 pm

Wed

09:00 am – 05:00 pm

Thu

09:00 am – 05:00 pm

Fri

09:00 am – 05:00 pm

Sat

Closed

Sun

Closed

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