Welcome to The Herd Lending, your dedicated mortgage partner in Smithfield, Virginia. Known worldwide as the “Ham Capital of the World,” Smithfield has evolved into one of the most desirable residential communities in the Hampton Roads region. As a premier Smithfield VA mortgage lender, we specialize in helping families discover the perfect balance of small-town charm and modern convenience. Whether you are looking for a historic home in the downtown district or a new build in Cypress Creek, we have the local expertise and specialized loan products to make your homeownership dreams a reality.
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.
NMLS #1764687
Whether you’re on the exciting journey of buying a new home, selling your current one, refinancing, or even building your dream haven, your mortgage journey is a significant part of your family’s story. Trusting the right loan specialist becomes crucial in these moments, especially considering the ever-changing market conditions and mortgage landscapes.
As a devoted professional, my mission is to guide you and your family through the mortgage process with care and expertise. I understand the importance of making choices that align with your family’s needs and aspirations. For a more personalized experience and expert advice, I’m just a phone call, text, or email away, ready to assist your family on this exciting journey.
We offer a comprehensive suite of home loan solutions designed to fit every type of buyer in Smithfield. Our diverse product offerings ensure you have access to the best options available.
Smithfield is a top destination for military families PCSing to Norfolk, Portsmouth, or Langley. We offer a no minimum credit score VA mortgage with zero lender overlays, allowing Veterans to secure a home in a premium community with 0% down.
Because approximately 99% of Isle of Wight County is USDA-eligible, many homes in Smithfield qualify for 0% down payment financing. This is an incredible tool for buyers looking for the space and tranquility that Smithfield is known for.
With Smithfield’s median home prices reaching $455,000 in 2026, our conventional programs provide competitive terms for well-qualified buyers. We offer flexible DTI limits (up to 50%) and streamlined processing for the area’s growing inventory of single-family homes.
Buying a home in Smithfield means joining a community with deep roots and a bright future. As of 2026, the market is characterized by a mix of historic 18th-century architecture and state-of-the-art new construction.
Local Tax Advantage: Real estate tax rates in Isle of Wight ($0.775 per $100) and the Town of Smithfield ($0.16 per $100) remain competitive, offering significant savings compared to denser urban centers.
| Metric | Smithfield (Isle of Wight) | Suffolk (City) |
|---|---|---|
| 2026 Median Price | ~$455,000 | ~$415,000 |
| USDA Eligibility | Highly Eligible (99%+) | Pocket-Specific |
| Vibe | Historic / Riverfront | Rapid Growth / Industrial |
| Property Tax Rate | ~$0.935 (Combined) | ~$1.09 |
Because Smithfield has a lower cost of living than the national average, your VA loan residual income goes further here. We use the VA “South” regional guidelines to help you qualify for more houses with less stress.
In Isle of Wight County, real estate taxes are typically due in two installments: June 5th and December 5th. We ensure your escrow account is perfectly balanced to handle these payments without “year two” surprises.
At The Herd Lending, we believe that every home purchase is a personal story. Whether you are moving for the golf, the schools, or the saltwater air, our local team is here to ensure your mortgage is the easiest part of your move.