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Quick 2-minute form. No impact on your credit score.
Our platform searches hundreds of trusted lenders for you.
Review personalized offers and select the best one.
We've been in debt. We've been rejected. We built SwipeSolutions because we know how it feels to be treated like a number. You're not.
Our technology analyzes hundreds of lenders to find matches based on YOUR situation - not just your credit score. Better matches. Better rates.
Local lending landscape and Virginia regulations
Virginia reformed lending in 2020 with a 36% APR cap, effectively ending payday lending and protecting consumers.
Virginia's 2020 lending reforms capped payday loans at 36% APR - a major improvement. Virginia Beach's military population has additional federal protections. Langley Federal Credit Union and BayPort Credit Union serve the Hampton Roads area with strong credit building options.
"Virginia's 2020 36% APR cap on payday loans was a watershed moment - Virginia Beach borrowers now have protection that didn't exist just a few years ago."
- SwipeSolutions, Virginia Beach Market Analysis
Common questions from Virginia Beach residents
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With a population of 1,487,505, Virginia Beach is one of Virginia's largest cities. Our lending network serves all Virginia Beach zip codes including 23459, 23451, 23453, 23452, 23455, and more.
Look for Virginia Beach mortgage brokers with strong reviews, multiple lender relationships, and experience with your type of loan. Our network connects you with vetted, licensed professionals who work with dozens of lenders to find you the best rates and terms.
In Virginia, minimum credit requirements vary by loan type: FHA loans accept scores as low as 580 (or 500 with 10% down), conventional loans typically require 620+, and VA/USDA loans have their own guidelines. Our brokers can help you find programs that match your credit profile.
Most Virginia Beach mortgage brokers earn their fee from the lender (typically 1-2% of the loan amount), so there's often no direct cost to you. Some brokers may charge a flat fee. Always ask about fees upfront - our partners are transparent about their compensation.
Mortgage brokers can save you time and money by shopping multiple lenders on your behalf. While banks only offer their own products, brokers have access to dozens of lenders and can often find better rates or terms. This is especially valuable if you have unique circumstances.
The typical mortgage process takes 30-45 days from application to closing. Getting pre-approved takes just a few days. Virginia Beach homebuyers who have their documents ready and respond quickly to requests often close even faster.
Last Updated: Jan 2026