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Your Residential and Commercial Lending Partner

Virginia Mortgage Experts

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Welcome to Myers Capital Virginia

Myers Capital Virginia offers a wide range of mortgage programs for home purchases and refinancing at competitive rates and terms. We also provide financing for both residential, commercial, and income-producing properties for real estate investors. We work with realtors and their clients to provide financing for new home purchases.


Wide range of loan programs
Competitive rates and terms
Fast pre-approvals
Efficient, on-time closings


Cut your monthly payment
Lower your interest rate
Take cash out
Convert to a fixed rate

Our Competitive Rates

We offer mortgage rates that are frequently 0.25% to 0.5% lower than banks and other lending institutions, helping you obtain a loan at the best rate and costs.


15 Year Fixed

 5.250% rate  5.753apr

30 Year Fixed

6.000% rate  6.302apr

VA 30 Year Fixed

5.500% rate  5.791% apr

Residential Loan Programs


The most popular mortgage for home purchasing and refinancing. They have competitive rates, down payments as low as 3%, lower costs than other loan types, and no upfront mortgage insurance fee. Conventional loans are privately backed and not insured by the federal government.


A jumbo loan allows borrowers to finance a loan amount that exceeds conforming loan limits set up by federal government. Used to purchase higher-value homes, jumbo loans have stricter credit score and down payment requirements along with higher rates and costs.


VA loans feature no or low down payment, competitive rates, flexible qualification guidelines, and no mortgage insurance. VA loans are for active service members and veterans. A VA cash-out refinance allows you to take up to 100% of your home’s equity. A VA Interest Rate Reduction Refinance (IRRRL) requires no appraisal or income verification.          


Federal Housing Administration (FHA) backed mortgages have down payments that start at 3.5% and lower credit score requirements compared to conventional loans. Popular with first-time buyers, FHA loans have upfront and monthly mortgage insurance fees.


United States Department of Agriculture (USDA) insured mortgages feature no down payment, competitive interest rates, and relaxed qualification guidelines. Primarily used to purchase homes in rural areas, USDA loans have stringent income limits, and upfront and annual guarantee fees that work like mortgage insurance.

Home Equity Loans

Tap into your home’s equity and receive a single cash lump sum at a low-fixed rate over a set term. Make home renovations and repairs, consolidate debt, pay for college tuition, cover financial emergencies, or invest in more real estate.  

Investment Property Financing


Single-Family Residences (1-4 Units)


Office Buildings
Retail Spaces
Light Industrial
Mixed-Use and Special Purpose Properties
Multi-Family Properties (5+ units)
Commercial Condominiums

Investment Property Loans – Short- and Long-Term Financing

Fix and Flip Loans  

Buy and Renovate Non-Owner Occupied Property.
Finance up to 100% of Purchase and Rehab Budget
No Personal Income Verification
Relaxed Credit Score Requirements
Loan Amounts from $100,000 to $10 Million
No Prepayment Penalties


Bridge Loans

Short-Term, Temporary Financing until a Permanent Loan is Secured.
Up to 80% Loan to Value
No Personal Income Verification
Relaxed Credit Score Requirements
Loan Amounts from $100,000 to $7.55 Million
No Prepayment Penalties on One Year Loans

Rental Property Loans

Buy and Hold Property to Generate Rental Income.

Residential Properties (1-4 Units)
Purchase or Refinance: Up to 80% Loan to Value
30 Year Fixed Rate and ARMs
No Personal Income Verification
Loan Amounts from $100,000 to $10 Million
No Prepayment Penalty on One Year Loans

What Makes Us Different

We are a relationship-based mortgage company not a transactional-type firm.
We offer expert mortgage and financial guidance designed to help borrowers determine how buying or refinancing a primary residence or investment property fits their current and future goals. Our company philosophy is dedicated to developing a mortgage investment plan that works with personal and business objectives and life milestones to help borrowers to meet their overall financial goals.

Why Choose Myers Capital Virginia?

Competitive Rates 

Our company philosophy has been built around delivering the lowest possible interest rates and costs to our clients. Our mortgage rates are frequently lower than banks and other lending institutions, helping our clients save thousands in interest costs.


We educate our clients with full transparency on how interest rates and costs are determined for their specific situation. This includes why they qualify for a certain amount, and if needed, what steps are needed to improve their qualifications in the future.


We still think it’s incredibly important to have live communication with our clients. We are committed to phone calls never going to voicemail and always having someone available for you to speak with.

Mortgage Planning

Any good lender can provide a loan. We pride ourselves on going the extra mile and providing strategic guidance to make sure your short- and long-term financial goals are met.     


Awards and Honors  

We thank you for allowing us to serve your mortgage needs since 1998.

Scotsman Guide

United Wholesale Mortgage

Get Started Today

Reach out to us for a no-cost loan consultation and rate quote. Find out how we can help you purchase or refinance a property.

Contact Us


Me and my husband worked with Ryan and Jessie from Myers Capital and would absolutely recommend them! We refinanced the mortgage on our home and the service we received was above and beyond expectations. Ryan took the time to make sure we understood everything and answered every question we had; it made the entire process incredibly easy. Jessie has great customer service and makes sure all the paperwork is sent to meet every deadline. We cannot thank them enough for all their help!

- Fernanda F.

“Thank you so much for doing this for us. Tara could have closed her eyes and let things go how it stood. Instead, she reached out and saved us so much money; which always helps and is appreciated on our behalf. Working with her has been simply a pleasure as she makes things so easy and her willingness to explain things goes beyond words. These days, going the extra mile isn't seen much, but with Tara's work ethic and great customer service you’re bound for success. Myers is very lucky to have her. I will definitely let me friends know where to go if they need assistance.”


“I absolutely would recommend Myers Capital to anyone I hear that wants to refinance. Tara and the entire team were so caring, helpful and communicative. She made a novice feel very comfortable. I am thrilled it all worked out. Thank you so much.”


“We had an appointment with Myers Capital yesterday and worked with Tara. We were very pleased with the service that we received it was beyond our expectations. Being new to the real estate area we had a few questions but never once felt that we were asking a little to much. In matter of fact she told us if we come up with anymore questions to feel free and email her and she'll get back to us. We can't wait to find a property and finish the deal with Tara!! Anyone out there looking for a mortgage give Myers Capital a try you won't be disappointed!!”

- gARILYN s.

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