First-Time & Traditional Homebuyers
Guidance on pre-approval, payment strategy, and choosing the right financing path before you start making offers.
Explore Conventional LoansMortgage Solutions
Northern Virginia Mortgage Lender
From first-home offers to higher-balance moves, TopOne helps Northern Virginia borrowers structure files that can stand up in fast markets.
$5B+ Funded • Serving MD, VA & DC Since 2006
Mortgage Solutions
Home Loans for Northern Virginia
TopOne Mortgage helps homebuyers, homeowners, and investors across Northern Virginia find the right financing for their goals. Whether you are buying a primary residence, refinancing, purchasing an investment property, or qualifying with nontraditional income, our team offers flexible mortgage solutions designed around real-world scenarios.
We work with first-time buyers, move-up buyers, self-employed business owners, real estate investors, ITIN borrowers, and high-balance or jumbo buyers throughout Northern Virginia, with a strong fit for fast-moving, higher-price-point markets.
Who We Serve
Borrower Profiles We See Most In Northern Virginia
Self-Employed & Business Owners
Flexible underwriting for borrowers whose income is better reflected through bank statements, business cash flow, or assets.
Explore Non-QM LoansReal Estate Investors
Investor-focused financing for rental-property purchases and refinances, including DSCR structures.
Explore DSCR LoansITIN & Non-Permanent Residents
Flexible options for borrowers who need an alternative path to qualification in the DMV market.
Explore ITIN LoansHigh-Balance & Jumbo Buyers
Practical solutions for Northern Virginia buyers financing larger loan amounts in competitive neighborhoods.
Explore Jumbo LoansPrograms
Programs We Most Often Discuss With Northern Virginia Buyers
Conventional Loans
A strong fit for many primary-home purchases, refinances, and traditional buyer profiles.
View programJumbo Loans
Financing for higher-priced homes and larger loan amounts common in many Northern Virginia markets.
View programFHA Loans
An accessible option for eligible buyers who want a lower down payment path.
View programNon-QM Loans
Flexible mortgage options for complex-income, self-employed, and layered borrower scenarios.
View programDSCR Investor Loans
Rental-income-based financing that supports qualifying investors instead of relying on personal tax returns.
View programForeign National Loans
Financing support for international buyers purchasing qualifying U.S. real estate.
View programWhy TopOne
What Northern Virginia Clients Usually Need From A Lender
- Flexible loan solutions beyond one-size-fits-all financing.
- Strong fit for self-employed and complex-income borrowers.
- Investor-friendly options including DSCR loans.
- Local experience serving MD, VA, and DC since 2006.
- Clear communication from consultation to closing.
How We Work
What A Strong File Usually Looks Like Here
Start The Conversation
We learn what you are buying, how you qualify, and which timeline matters so we can recommend the right structure early.
Review Your Options
You get a practical comparison of loan choices, payment range, cash to close, and reserve expectations.
Get Pre-Approved
We organize the file and issue a pre-approval that helps you move with confidence in competitive Northern Virginia markets.
Move Through Underwriting
Our team coordinates conditions, appraisal, and lender communication so the process stays efficient and visible.
Close With Confidence
From accepted offer to settlement, we stay responsive and keep the transaction moving without surprises.
Frequently Asked Questions
Northern Virginia Mortgage FAQs
Do you work with self-employed borrowers?
Yes. We regularly help self-employed Northern Virginia borrowers use bank-statement, asset-based, and other Non-QM qualification paths when standard agency documentation is too limiting.
Can I get a mortgage without tax returns?
Depending on the program, yes. Some Non-QM and DSCR options can reduce or replace the need for personal tax returns.
Do you offer investor loans?
Yes. DSCR loans are available for qualifying investors who want financing based primarily on rental income and property cash flow.
Do you lend in Virginia?
Yes. We serve borrowers across Virginia, including Northern Virginia communities such as Fairfax, McLean, and Arlington, in addition to Maryland and Washington, DC.
What loan programs do you offer?
We offer conventional, jumbo, FHA, DSCR, ITIN, foreign national, and Non-QM mortgage solutions for a wide range of borrower scenarios.
Next Step
Want To Pressure-Test A Northern Virginia Scenario?
From first homes to higher-balance purchases, investor scenarios, and complex-income files, we can help you compare the options before timing gets tight.
Contact
TopOne Mortgage Inc
Serving Northern Virginia, Maryland, and Washington, DC from our Rockville office.
1335 Rockville Pike, Suite 310
Rockville, MD 20852
(301) 315-8808 topone@top1mortgage.com