Welcome to The Herd Lending, your local expert for navigating the Chesapeake, Virginia real estate market. Chesapeake is a city of distinct communities—from the established, top-rated school districts of Western Branch (23321) to the sprawling estates of Hickory and the bustling commerce of Greenbrier.
In 2026, Chesapeake remains one of the most sought-after locations in Hampton Roads for military families, medical professionals, and growing households. At The Herd Lending, we provide the localized strategy and “No-Overlay” financing you need to secure your piece of the Commonwealth.
As we move into 2026, Chesapeake’s housing market has entered a “Balanced Growth” phase. While the city remains a seller’s market with roughly 2 months of inventory, mortgage rates have stabilized near 6.0%, significantly increasing buyer purchasing power compared to previous years.
In the 23321 and 23320 corridors, we are seeing a rise in “Move-Up” buyers—families leveraging their existing equity to step into larger homes in neighborhoods like Deep Creek or Great Bridge. At The Herd Lending, we specialize in coordinating these complex “sell-and-buy” transactions with precision.
Discover a range of mortgage solutions designed to help you purchase your dream home. We’ll work with you to find the perfect fit for your needs and budget.
Maximize your savings with our industry-leading refinance rates and minimal fees. Explore our competitive rates and begin your application now.
Maximize your savings with our industry-leading refinance rates and minimal fees. Explore our competitive rates and begin your application now.
Before becoming a mortgage broker in 2022, I spent nearly a decade as a college basketball coach—an experience that taught me the value of teamwork, discipline, and helping others reach their goals. Today, I bring that same passion and commitment to guiding clients through one of life’s biggest financial decisions: buying a home.
I work with first-time homebuyers, repeat buyers, and investors, offering a wide range of lending products to meet each client’s unique needs. I understand the significance of homeownership and the impact it has on a family’s future. That’s why I make it my mission to be available, communicate clearly, and ensure the process is as smooth as possible.
Whether you’re taking your first step toward homeownership, buying a new home, looking to refinance or expanding your investment portfolio, I’m here to help you achieve your goals!
We provide a personalized alternative to the big banks and national online lenders.
With a significant veteran and active-duty military population, we are proud to be a trusted resource for those who have served our country. We specialize in VA loans, providing expert guidance on their powerful benefits, including no down payment and no private mortgage insurance (PMI). We’ll help you navigate the process of securing your Certificate of Eligibility (COE) and the entire loan application to get you into your home.
For first-time homebuyers or those with less-than-perfect credit, an FHA loan is an excellent option. Backed by the Federal Housing Administration, these loans offer a low down payment and more flexible credit requirements, making homeownership more accessible. We’ll walk you through the FHA guidelines and help you secure the financing you need to purchase a home in communities like Fleming Island or Orange Park.
If you have strong credit and a stable financial history, a conventional loan may be the ideal choice. We offer competitive rates and a streamlined process for a variety of conventional loan types, including fixed-rate and adjustable-rate mortgages. Whether you’re buying a single-family home in Middleburg or a new construction in a planned community, we can help you find the right conventional loan for your situation.
Chesapeake’s Western Branch area is a favorite for those stationed at Coast Guard Base Portsmouth and NSA Hampton Roads. We help you leverage:
For those looking at homes in Hickory or Grassfield, we offer versatile conventional products:
Q: What are the current 2026 mortgage rates in Chesapeake? A: Rates are currently hovering in the 5.875% to 6.2% range for 30-year fixed mortgages. VA and FHA rates typically trend slightly lower.
Q: Do I have to pay for a termite inspection in Chesapeake? A: Yes. Because Chesapeake is located in a high-moisture coastal region, a Wood Destroying Organism (WDO) inspection is a standard requirement for VA and FHA loans to ensure the home’s structural integrity.
Q: Can I use my BAH to qualify for a mortgage? A: Absolutely. At The Herd Lending, we use your Basic Allowance for Housing (BAH) as qualifying income, which is a powerful tool for military families buying in the 23321 zip code.
Don’t settle for a lender who doesn’t know the difference between Great Bridge and Western Branch. Work with The Herd Lending, the team that understands Chesapeake’s 2026 market and your unique financial goals.