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Northern Virginia · VirginiaMortgage lender in Loudoun County, VA
Yes. Stellar Mortgage Corporation, NMLS #2190975, is licensed in Virginia and makes purchase and refinance loans in Loudoun County: conventional, FHA, VA, USDA, jumbo and non-QM. Steve Umansky, NMLS #61764, is our licensed loan officer for Virginia. For 2026 the one-unit conforming loan limit here is $1,249,125 and the FHA limit is $1,249,125.
Reviewed by Steve Umansky, Sr. Branch Manager, NMLS #61764,
From Leesburg to Purcellville: what changes locally, what does not, and how to find out in fifteen minutes what you actually qualify for.
Buying in Loudoun County
Loudoun County, with its county seat in Leesburg, takes in Leesburg, Ashburn, Sterling, South Riding and Purcellville. Loudoun 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. Loudoun County is designated a high-cost area for conforming loans. Sources: FHFA conforming loan limit values and HUD FHA mortgage limits.
Loudoun 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.
Loudoun County: Ashburn's data-center corridor and the rural west
Loudoun County is two very different places divided roughly by Route 15. Eastern Loudoun is Ashburn, Sterling, Dulles, South Riding, Brambleton and Leesburg, the county seat: planned communities of townhouses and single-family homes built over the past twenty-five years around Dulles Airport and the largest concentration of data centers in the world. Nearly every purchase there carries a homeowners association, and many of the newest neighborhoods are still selling from builders. Western Loudoun is Purcellville, Hamilton, Round Hill, Lovettsville and Middleburg, a horse-country and small-town market with larger lots, wells and septic systems, and some addresses inside USDA's eligible area.
Loudoun is in the Washington high-cost area, so the FHFA ceiling applies to conforming loans, and it has some of the highest household incomes in the country, so jumbo loans are common in the premium communities. New construction brings builder contracts, long settlement windows and incentive documentation; western properties bring well and septic testing and appraisal questions around acreage and outbuildings. Both are routine for us.
Steve Umansky, NMLS #61764, is our licensed Virginia originator and handles Loudoun 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, USDA and jumbo financing here and will point you to Virginia Housing when it is the better fit.
Loudoun County by the numbers
- Median home value
- $743,800 (Census Bureau, ACS 2020–2024, table B25077)
- Typical property tax
- About 0.85% of home value a year: median tax bill $6,325 on a median value of $743,800 (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
- Leesburg, Ashburn, South Riding, Sterling (Census Bureau, ACS 2020–2024, table B01003)
The county median home value is $743,800. 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 Loudoun County buyers ask
Does Stellar Mortgage lend in Loudoun County, VA?
Yes. Stellar Mortgage Corporation is licensed in Virginia and lends throughout Virginia, including Loudoun County. Steve Umansky, NMLS #61764, is our licensed originator for Virginia and works Virginia files from our Southampton, PA office.
What is the 2026 conforming loan limit in Loudoun County?
Loudoun County is part of the Washington, DC metropolitan high-cost area, so the 2026 one-unit conforming limit is $1,249,125, the FHFA ceiling. Loans above that are jumbo. FHA limits are set separately by HUD and can differ; we check both for the property address before quoting.
Is there down payment assistance for first-time buyers in Loudoun County?
Virginia's housing agency, Virginia Housing, runs the state's bond and assistance programs. Stellar is not currently a participating lender for those, and we say so up front. What we offer Loudoun County first-time buyers: conventional loans with low down payment options for qualifying buyers, FHA loans with a low down payment, VA loans with little or no money down for eligible service members and veterans, and USDA financing with little or no money down where the address qualifies. Sellers can contribute to closing costs, and gift funds from family are allowed. If an agency program is the better fit for you, we will tell you.
How fast can I get pre-approved to buy in Loudoun County?
Once we have your application, credit, and the documents on our checklist, most buyers have a letter within one to two business days. If you have already found a home in Leesburg or anywhere else in Loudoun County and are writing an offer, tell us on the form and we prioritize the file.
What is the 2026 FHA loan limit in Loudoun County?
For 2026 the FHA limit for a one-unit home in Loudoun County is $1,249,125, set by HUD. The conforming loan limit is $1,249,125. Limits for two- to four-unit properties are higher.
Who pays the transfer tax in Loudoun County?
Virginia’s recordation tax, 25 cents per $100 of the price or value, is generally the buyer’s. The grantor tax, 50 cents per $500, is the seller’s by statute unless the contract shifts it. Localities may add their own recordation tax.
Conforming limit shown is the 2026 FHFA figure for Loudoun 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.
Get pre-approved in Loudoun County
Three quick steps, about a minute. No Social Security number, no pay stubs. Steve calls you back, usually the same business day.
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