Track
Apply Online

We Know Mortgages.

Welcome to SEB Mortgage! We are your Virginia and Florida commercial and home mortgage loan officers dedicated to making sure your purchase or refinance experience is top-notch.

Contact Us Today! Get Pre-Approved!

Explore Your Loan Options

Loan Options

Estimate Your Mortgage Payment

Get Started

What's Your Home Worth Today?

Find Out Now

Real Customer Experiences

Read Reviews

Current

Virginia

Mortgage Rates

FHA Loans

Purchase - 30 Year Fixed

Rate5.66%

1W Change 0.00%

APR6.38%

1W Change 0.00%

Refinance - 30 Year Fixed

Rate5.42%

1W Change 0.00%

APR6.15%

1W Change 0.00%
Last Updated: 5/21/2026

Conventional Loans

Purchase - 30 Year Fixed

Rate6.67%

1W Change 0.21%

APR6.68%

1W Change 0.20%

Refinance - 30 Year Fixed

Rate6.76%

1W Change 0.22%

APR6.77%

1W Change 0.22%
Last Updated: 5/21/2026

VA Loans

Purchase - 30 Year Fixed

Rate5.84%

1W Change 0.17%

APR6.18%

1W Change 0.17%

Refinance - 30 Year Fixed

Rate5.82%

1W Change 0.16%

APR6.15%

1W Change 0.17%
Last Updated: 5/21/2026

All mortgage rates displayed are provided by Zillow based on borrowers with credit scores between 680-740 and represent averages and trends. Please consult with SEB Mortgage LLC to receive a personalized rate for your specific situation.

  • I've used SEB Mortgage twice now for my mortgage needs and each experience has been outstanding! NNeka - October 26, 2025
  • Regie was very professional, attentive, dedicated and committed throughout this entire loan process. Melody Harris - March 5, 2024
  • Regie says what he means and means what he says. His primary goal is to make sure you are more than satisfied! Perry Neal - March 5, 2024
  • The SEB Mortgage team did a phenomenal job with getting a mortgage loan for the purchase of my home. After several attempts from big banks and other companies SEB helped me fulfill my dream of home ownership. I will recommend them to anyone who needs a mortgage loan. JD Wilson - March 5, 2024
  • My experience with Regie Ford exceeded my expectations. He is extremely knowledgeable and made me feel like I was his only client. He was responsive each time I contacted him kept me updated throughout my mortgage process. Regie made my difficult financing seem easy. I highly recommend him. Tracey Matthews - March 5, 2024
  • Working with Regie was a great experience. He made the process of becoming a first time home owner feel like a breeze. All of my questions and concerns were always answered in a very timely manner. I highly recommend working with him to start your journey!! NNeka Simmons - March 5, 2024

Mortgage Calculators

Conventional mortgages are ideal for buyers with good credit and money to put down. They typically require a higher down payment, usually 5%–20% and also have higher income and credit score requirements than government loans. Typical fixed-rate loans have a term of 30 or 15 years.

$

5%

1%

5%

0%

$
$

$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Monthly PMI $0

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

FHA loans are designed to benefit first-time homebuyers and buyers with less than perfect credit and not a lot of money to put down. FHA loan limits vary by county. View the FHA loan limits in your area.

$

5%

1%

5%

$
$

$1421

Monthly FHA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Up-Front MIP (1.75%)$0

Monthly Mortgage Insurance $0

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

If you are a veteran or a current member of the U.S. military, you can apply for a VA Loan, which currently offers up to 100% home financing. Thank you for your service!

$

0%

4.5%

1%

$
$

$1421

Monthly VA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Purchase Price $1421

VA Funding Fee $1421

Amount Financed $1421

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Curious about refinancing your home in Virginia? Now may be the right time to start saving money every month!

$
%
months
$
%
months
$

Refinancing could save you

$/month

New monthly payment $

Refinance fees $

Lifetime Savings $

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Not sure how much of a home you can afford? Enter your personalized information below to get a good ballpark figure of the type of home you can afford today!

$
$
$
$
$
%

You can afford up to

$

Monthly Payment $

Principal & Interest $

Tax $

Insurance $

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.
Mortgage Refinancing in Virginia: A Complete Guide for Homeowners Virginia May 19, 2026

Mortgage Refinancing in Virginia: A Complete Guide for Homeowners

Refinancing a mortgage can help homeowners lower their monthly payments, reduce interest rates, access home equity, or change loan terms. If you are a homeowner in Virginia, understanding how mortgage refinancing works can help you make better financial decisions for your future. Many homeowners today are searching for terms like “Rocket Mortgage refinance rates,” “lowest…

Read Post
VA Home Loans: Benefits, Eligibility, Rates & Everything You Need to Know Virginia May 18, 2026

VA Home Loans: Benefits, Eligibility, Rates & Everything You Need to Know

For veterans, active-duty military members, and eligible surviving spouses, a VA home loan can make homeownership more affordable and accessible. Backed by the U.S. Department of Veterans Affairs, VA loans offer competitive interest rates, flexible credit requirements, and zero down payment options for qualified borrowers. At SEB Mortgage LLC, we help veterans and military families…

Read Post
Why Spring 2026 Might Be the Season Homebuyers Have Been Waiting For Virginia May 15, 2026

Why Spring 2026 Might Be the Season Homebuyers Have Been Waiting For

If you've been watching the housing market from the sidelines, wondering when things might finally shift in your favor, you're not alone. After a couple of years that felt like a marathon through mud for prospective homebuyers, we're starting to see some interesting changes that could make this spring season worth paying attention to. Let's…

Read Post
X

Get in Touch

(877) 398-6111 3002 Hull Street
Richmond, Virginia 23224 NMLS# 2228988
When you fill out our contact form, you are agreeing to SEB Mortgage LLC's Terms of Use and Privacy Policy. You're also giving us permission to send you up to four mortgage-related and follow-up messages and marketing communications, via email and SMS. Standard message and data rates may apply. You can request assistance and unsubscribe by texting HELP or STOP to (804) 426-5377or by sending an email to info@sebmtg.com
X SEB Mortgage LLC

If you have any immediate questions or concerns don't hesitate to give us a call @ (877) 398-6111

0%

I agree to the following terms & conditions

I hereby certify that the information given in my submission is complete and correct and is given for the purpose of potentially obtaining a mortgage loan and/or financial services applied for.

Draft saved
Your session may have expired.
SEB Mortgage LLC BBB Business Review