Welcome to The Herd Lending, your local gateway to homeownership in the “Peanut Capital of the World.” As the largest city in Virginia by land area, Suffolk offers a unique blend of high-tech suburban growth and serene rural landscapes. Whether you are looking for a custom riverfront estate in Harbour View, a family-friendly subdivision in Northern Suffolk, or a historic gem in the Downtown corridor, we provide the localized expertise you need to navigate the 2026 market.
Entering 2026, Suffolk has solidified its reputation as one of the most resilient real estate markets in Hampton Roads. While inventory remains tight, 2026 has brought a welcome “stabilization phase” with mortgage rates easing near 6.0%.
In the 23435 and 23321 corridors, we are seeing a “Strategic Market”—where homes in the $450k–$600k range are in high demand, but buyers finally have the leverage to negotiate for seller concessions and rate buydowns. At The Herd Lending, we help you use these market shifts to your advantage.
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 aren’t a national “call center” lender. We are local experts who understand the logistics of living and working in Hampton Roads.
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.
Suffolk is a hub for active-duty members and retirees. We help you maximize the benefits you’ve earned:
For professionals moving to The Riverfront or Cedar Point, our conventional products offer maximum flexibility:
Q: What is the current 30-year fixed rate in Suffolk for 2026? A: As of February 2026, average rates are hovering around 5.9% to 6.1%. However, VA rates are often lower. Contact us for a real-time quote based on your specific profile.
Q: Do I need a “Termite Letter” to close in Suffolk? A: Yes. Because Virginia is a high-moisture, high-termite zone, a Wood Destroying Organism (WDO) inspection is required for almost all VA and FHA loans in the area.
Don’t let a “big bank” treat you like a number. Work with a lender that understands the 23435 zip code and the unique needs of Virginia’s military and professional communities.