Mortgage lender in Fairfax County, VA

Buying in Fairfax County

Fairfax County, with its county seat in Fairfax, takes in Reston, Herndon, McLean, Vienna, Springfield, Annandale and Centreville. Fairfax County files are handled personally by Steve Umansky, Sr. Branch Manager, NMLS #61764, who is licensed in Virginia, from our Southampton, PA office.

2026 conforming limit

$1,249,125 (high-cost area)

2026 FHA limit

$1,249,125 (one-unit, set by HUD)

Above that

Jumbo pricing

Closing handled by

settlement agent

State housing agency

Virginia Housing (not a participating lender)

Your officer

Steve Umansky, NMLS #61764

2026 limits for a one-unit property. Fairfax County is designated a high-cost area for conforming loans. Sources: FHFA conforming loan limit values and HUD FHA mortgage limits.

Fairfax County sits inside the Washington, DC metropolitan high-cost area, so its conforming limit is the FHFA ceiling of $1,249,125 rather than the national baseline of $832,750. That matters: a loan that would be jumbo elsewhere in Virginia can still be a conforming loan here, with conforming pricing and guidelines.

Fairfax County: Northern Virginia's largest market

Fairfax County is the core of Northern Virginia and one of the largest housing markets on the East Coast. McLean, Great Falls and Vienna are the top of the market, where jumbo loans are routine. Reston and Herndon along the Dulles corridor are planned communities of townhouses, condominiums and singles serving the technology and contractor employers there; Springfield, Burke, Annandale and Fairfax City are the established single-family suburbs inside and just outside the Beltway; and Centreville, Chantilly and Lorton are where much of the newer townhouse construction has gone. Fort Belvoir anchors the county's southern end.

Fairfax is in the Washington high-cost area, so the FHFA ceiling applies to conforming loans, and a large share of purchases here still fit within it. VA financing is a major part of our Fairfax business given the military and federal population, and we handle VA appraisals, funding fee exemptions and PCS timelines regularly. Townhouses and condominiums dominate the entry-level market, which brings association documents, budgets and FHA project approval status into the approval; we pull them before the offer.

Steve Umansky, NMLS #61764, is our licensed Virginia originator and handles Fairfax County files personally from our Southampton, Pennsylvania office, by phone, secure portal and e-signature, with the closing at a Virginia settlement agent. Stellar is not currently a participating lender for Virginia Housing's bond and down payment assistance products; we offer conventional, FHA, VA and jumbo financing here and will point you to Virginia Housing when it is the better fit.

Fairfax County by the numbers

Median home value

$732,800 (Census Bureau, ACS 2020–2024, table B25077)

Typical property tax

About 1.01% of home value a year: median tax bill $7,368 on a median value of $732,800 (Census Bureau, ACS 2020–2024, table B25103)

Transfer tax

Recordation tax of 25 cents per $100 and a grantor tax of 50 cents per $500; localities may add their own (Va. Code § 58.1-801)

Largest communities

Centreville, Reston, McLean, Burke (Census Bureau, ACS 2020–2024, table B01003)

The county median home value is $732,800. The 2026 one-unit conforming loan limit here is $1,249,125 and the FHA limit is $1,249,125.

Census figures are survey estimates for owner-occupied homes, not appraisals or tax quotes. We use the actual tax bill for the property when we quote.

Closing and programs in Virginia

Closings in Virginia are typically handled by a settlement agent. The closing process, state transfer and recording taxes and first-time buyer programs are covered on the Virginia page. Property taxes are set locally; we take the figure from the tax record for the address.

Questions Fairfax County buyers ask

Conforming limit shown is the 2026 FHFA figure for Fairfax County. FHA limits and state agency caps are set by HUD and Virginia Housing and change periodically. Verify on the official source. Not a commitment to lend.