Data Center Alley's Best-Kept Secret: FHA Loans to $1.15M
You're building the infrastructure that powers the internet. AWS, Microsoft, Google—they all chose Loudoun County. Now it's time for you to put down roots here, regardless of what your credit score says today.
Nation's Highest FHA Limit: $1,149,825
Loudoun County has the highest FHA limit in America. Most homes qualify for FHA financing—even luxury properties.
Joe Shalaby
Founder & Senior Loan Officer
NMLS #139369
"Loudoun County is full of tech professionals, government contractors, and military families who've hit a temporary rough patch. Security clearance issues, contract gaps, a startup that didn't work out—I've seen it all. Let's get you into that Ashburn or Leesburg home you deserve."
The Loudoun County Credit Reality
Tech & Government Contractors
AWS, Microsoft, Northrop Grumman, Leidos—Loudoun is contractor central. Contract gaps, clearance delays, and variable income can stress credit. We understand.
$1.15M FHA Limit
The highest FHA limit in America. That $900K Ashburn home? FHA eligible. The $1M Leesburg estate? FHA eligible. Most Loudoun properties qualify.
Military & Veterans
Pentagon, Fort Belvoir, Quantico—many Loudoun residents are military or veterans. VA loans have no loan limit and no minimum credit score with manual underwriting.
FHA Manual Underwriting
- Credit scores down to 500 FICO
- Loudoun County limit: $1,149,825
- DTI up to 50% with compensating factors
- Security clearance income accepted
VA Manual Underwriting
- No minimum credit score
- $0 down, no PMI
- No loan limit for eligible veterans
- Pentagon, Belvoir, Quantico veterans
Recent Loudoun County Closings
AWS solutions architect. Startup investment went south, credit tanked. Denied by Navy Federal and PenFed. Closed FHA in 24 days.
Army colonel, now Northrop Grumman. Medical bills from deployment. $0 down, no PMI, no loan limit. Closed in 26 days.
Consolidated $82k credit cards. Monthly payments dropped $2,400. Score recovered to 708 in 5 months.
Questions from Loudoun County Buyers
Can I get an FHA loan in Ashburn with a 520 credit score?
Yes. We manually underwrite FHA loans down to 500 FICO in Ashburn, Leesburg, South Riding, and all Loudoun County communities. Manual underwriting evaluates your complete financial picture—assets, income stability, payment history.
What's the FHA loan limit in Loudoun County Virginia?
For 2025, the FHA limit in Loudoun County is $1,149,825 for a single-family home—the highest in the nation. This covers virtually all Loudoun properties. For higher amounts, we offer NON-QM options.