Jayesen can help get you connected to a Local Lender

What's the first step when buying a home?

The very first step in the home buying process is speaking with a loan officer to discuss which type of loan works best for you as with what price range you should be considering so that you can have your desired monthly payment.

Why are online mortgage calculators not accurate?

Down payment amount, credit score, and type of loan will all have an impact on what your monthly payment will be.  There are a lot of variables that online calculators simply cannot estimate. If working with a Licensed Real Estate Agent, the Agent is able to send a Loan Officer an active home listing that they can use to give you an accurate cost estimate. This allows the loan officer to include taxes, HOA or Condo Dues, as with estimated home insurance.  There is no better way to get a monthly payment estimate than to work directly with a local loan officer. 

Did you know not all loan products qualify for all Condos?

If you are looking to buy a condo, it is important to know what type of loan you will be applying for. For example, FHA and VA loan products will require the condo association to be on a Condo Association Approval List. Condo associations need to meet higher standards for government backed loans.   By working with a loan officer and Real Estate Agent, they can proactively check the status of a condo association to confirm if they qualify for government backed loans prior to you viewing a desired home.  

Loan Officers and Realtors are here to help.

Taking out a mortgage loan is a different process than most other loans. There are many variables to consider, as with multiple types of loan products and programs with different guidelines that may change throughout the year.  The best practice is to connect with a Local Lender before starting the buying process so that you can get your options outlined to you along with your estimated payments.  For one of the most important purchases of your life, it's great to have a good Local Loan Officer and Realtor with you every step of the way.

John Lin

John Lin Headshot

Intercoastal Mortgage, NMLS#2013416

After graduating from Boston University, I started my career as an analyst for a missile program for Lockheed Martin. My Marine reserve unit was activated after the attacks on 9/11, and after returning I realized I wanted something different from my career. I spent 11 years teaching elementary school in Alexandria, and today I am a senior loan officer who has built my business around serving clients from pre-approval to closing and beyond. With the attention to detail you would expect from a veteran and the devotion found in the best of teachers, I am committed to being there every step of the way with the most important purchase of your life. Whether serving this nation as a Marine or serving our nation's children as a teacher, I have dedicated my life to helping others. It's your home and your dreams; it is our mission to make it an effortless process.

Rhea Rai

Rhea Rai Headshot

Ameris Bank Mortgage Services, NMLS#631293

I am a Assistant Vice President /Sr Mortgage Loan officer with Ameris Bank Mortgage . I have been originating mortgages for over 20 years and am licensed to originate in 40 states. Have been a top producer closing the most transactions and have been designated as Presidents club award member consistently for the past 8 years. Have great expertise and experience with unique client situations and ability to understand the expectations, needs of all parties involved in the mortgage financing process . Extremely committed, dedicated ,passionate about my work and love working as a team with my realtor partners and prospective clients to help find the best mortgage that would most benefit them or make homeownership possible. Look forward to working with you. Thank you

Laurie Puccio Tracy

Rhea Rai Headshot

Home Savings & Trust Mortgage, NMLS#525748

With more than 35 years of mortgage lending experience, my clients and referral partners know that a high level of expertise, integrity, and transparency are the most essential factors in a successful mortgage closing. It is crucial your lender is working behind the scenes to ensure there are no unwanted surprises, being responsive to all communications throughout the process, while keeping you informed along the way – that’s what we do! My team works tirelessly to ensure the highest level of service is always received by our clients and partners. Message me with any questions you may have; we are glad to help! Expertise and Specialties: Purchase and Refinance – VA, FHA and Conventional Owner Occupied, Investment properties and Vacation homes

Jason Turner

Jason Turner Headshot

Navigator Mortgage Brokers, NMLS#1148074

Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice. As an experienced loan officer I have the knowledge and expertise you need to explore the many financing options available. Ensuring that you make the right choice for you and your family is my ultimate goal, and I am committed to providing my customers with mortgage services that exceed their expectations. I hope you’ll browse my website, check out the different loan programs I have available, use my decision-making tools and calculators, and use our secure online application to get started. After you’ve applied, I’ll call you to discuss the details of your loan, or you may choose to set up an appointment with me using my online form. As always, you may contact me anytime by phone, fax or email for personalized service and expert advice. I look forward to working with you.

6 Beds 4 Baths
Nestled in the heart of Northern Virginia, this spacious 6-bedroom, 3.5-bathroom home offers the perfect blend of modern comfort, convenient location, and privacy. Boasting a NO HOA community, a newly renovated interior and exterior, and numerous upgrades, this house is a true gem, there's room for everyone in your family to enjoy their own space. The layout of the main floor seamlessly connects the living room, dining area, and brand-new kitchen, making it ideal for entertaining. The heart of this home is its newly renovated kitchen, featuring stunning granite countertops, new appliances, and plenty of cabinet space, creating a space where cooking and meal preparation will be a breeze. The entire home has been freshly painted, creating a clean and inviting atmosphere that's ready for you to move in and make it your own. The finished basement is a versatile space, perfect for a recreation room, home office, or additional living quarters. It includes a convenient kitchenette and has its own outside entrance, offering endless possibilities for use. Enjoy peace of mind knowing that the home has been equipped with a new HVAC system, a new hot water heater, and new siding, ensuring energy efficiency and low maintenance. Step outside to your own private backyard, a serene space where you can relax, host gatherings, or even start a garden. 6th bedroom NTC. The possibilities are endless in this tranquil outdoor haven. This home is not only beautifully appointed but also perfectly situated. It's close to shopping centers, and top-rated schools, and offers easy access to major commuting routes, making it a fantastic choice for those who need a convenient location for work and play. Don't miss this opportunity to own a truly exceptional property in Northern Virginia. With its modern upgrades, private backyard, and prime location, this home won't be on the market for long. Schedule a showing today to experience the charm and comfort of this lovely house for yourself!

3846 Gallows Rd, Annandale

Listing courtesy of Samson Properties. Contact: (540) 299-6001

4 Beds 4 Baths
Nestled at the end of a tranquil cul-de-sac, this exceptional home in Franklin Glen offers a remarkable living experience. With a plethora of special features and an abundance of natural light, this home is a haven of comfort. As you step inside, the main level greets you with a welcoming foyer adorned with gleaming hardwood floors. To the right, the living room boasts crown molding, setting the stage for special gatherings. The dining room features more hardwood floors, crown molding, and a charming chair rail, creating an ideal setting for memorable dinners. The heart of the home, the kitchen, is a chef's dream come true. It showcases stunning quartz countertops, an expansive island with cabinets, stainless steel appliances, and a ceiling fan that adds both style and comfort. A walk-in pantry ensures ample storage space. The adjacent family room is bathed in natural light, thanks to skylights, and features a gas fireplace that provides cozy warmth during the winter months. French doors open to a sprawling Trex deck overlooking a vast backyard oasis. Convenience abounds on the main level with a well-appointed powder room and a laundry room equipped with built-in coat hooks and shoe storage. Venture to the upper level, where the primary bedroom awaits. This retreat boasts a walk-in closet and a ceiling fan for optimal comfort. The primary bathroom exudes luxury with vessel sinks, quartz countertops, new lights and mirror, and luxury vinyl flooring. Two additional spacious bedrooms and an updated hall bathroom complete this level. The lower level offers versatility with a walk-out to the patio, a recreation room with a wood-burning fireplace, and built-in shelving with a desk area. A huge fourth bedroom and a den provide additional space for guests or hobbies. With a full bathroom that features double sinks, there is plenty of room for everyone! Additionally, there is a dry bar near the walk-out with a wine refrigerator/beverage center making hosting gatherings a breeze. Outside, the front porch and rear Trex deck provide charming spaces to unwind. The expansive lot offers an incredible amount of space and scenic views of trees, while a playset, trampoline, and play house convey for outdoor fun. Finally, a patio and gravel fire pit/eating area provide even more opportunity for outdoor entertainment. This remarkable house also boasts a wealth of storage options, including a garage, attics, under-stair cupboard, and numerous closets. With its thoughtful design, exceptional features, and serene surroundings, this home is a true gem for those seeking comfort, convenience, and a touch of luxury. Welcome Home!

13365 Teaberry Ct, Fairfax

Listing courtesy of Long & Foster Real Estate, Inc.. Contact:

4 Beds 5 Baths
Brand new Stanley Martin single-family home. Move-in March! Welcome to The Jocelyn! Situated in the coveted White Oaks Farm Neighborhood, this stunning 4 bedroom/4.5 bath estate offers a perfect blend of elegance and practicality. With its multi-generational floorplan, you can enjoy abundant space and amenities for family living. The main house boasts a spacious gourmet kitchen with state-of-the-art appliances and an abundance of counter space, perfect for entertaining or feeding a hungry crowd. Enjoy cozy nights by the fireplace in your bright living room or relax on your covered porch while taking in nature's beauty. The finished basement offers additional living space with a den, full bathroom, and recreation room – ideal for game night or movie marathons! But that's not all! An attached private residence includes a separate entrance, kitchenette, additional living room area, and spacious bedroom with full bathroom – perfect for hosting overnight guests or providing secure housing to loved ones who need it most. Plus there’s even more convenience thanks to the laundry tub located right off of the laundry room so you can easily sort out stains from wet clothes before they set in permanently! Photos shown are from a similar home. Contact us to schedule a tour or stop by the model home today! White Oaks Farm is a premier neighborhood in an ideal location just steps from excellent schools and close to many popular dining, shopping and recreation options including Tuscarora Mill, the Leesburg Premium Outlets, and a variety of unique shops and restaurants. With easy access to shopping and dining and proximity to several major commuter routes paired with a new home in a historic town, White Oaks Farm is an ideal choice to take advantage of everything Loudoun County has to offer. Visit us today!

911 Warlander Dr Sw, Leesburg

Listing courtesy of SM Brokerage, LLC. Contact:

4 Beds 2 Baths
Head into Hickory Court’s cul-de-sac to find this fashionable all Brick 2 level fully finished home which boasts four (4) bedrooms and two (2) Baths on 0.23 acres is Ready for YOU! Your new “Eastern Ranch” model home is located amongst 500 homes in Broyhill Park’s 1950 community. Starting with the welcoming front porch opening to the main level with all hardwood flooring. The living room with its large window brings in flooded natural light. Three (3) main level bedrooms and an updated full bath are just down the hallway. The dining area and the kitchen are stunning with 42” white cabinets, marble countertops, a Frigidaire Professional Convection range, and LG stainless steel appliances. Step outside onto a large deck for entertainment as well as a beautiful side patio for ample outdoor space. The shed with electricity and large fenced backyard is ready for any gathering you can think of. Going back into your home and heading down to a beautifully finished lower level. The large recreation room provides for indoor playing and entertainment. A true fourth (4) bedroom plus the 2nd newly updated full bath offers guest room, home office, learning center, or whatever your life requires. A laundry room with tankless water heater, utility sink, cedar closet, and separate storage room complete this perfect home. A brand-new roof was added in 2023 and the main line plumbing system was replaced in 2020. Being centrally located inside the beltway, this home is just minutes from the Mosaic District and historic downtown Falls Church where you can enjoy some of the shopping, dining and entertainment the area has to offer! And it's a commuter’s dream—only minutes from I-495, I-66, Gallows Road, and Routes, 7, 29, 50, and 236. Roundtree Park and the W & OD trail are within walking distance!

3350 Hickory Ct, Falls Church

Listing courtesy of CENTURY 21 New Millennium. Contact: (571) 565-2320

5 Beds 3 Baths
Nestled on a sprawling .38 acre lot, this brick-front colonial residence is a perfect blend of classic charm and modern convenience. Boasting a one-car garage and a concrete driveway for two cars, this home is both practical and stylish. Step inside and explore the delightful features that make this property truly special. The entry foyer welcomes you with tile floors and beadboard accents, setting the tone for the home's character. The living room features luxury vinyl plank (LVP) flooring and convenient access to the garage, creating a functional and inviting space. The kitchen is a chef's delight, complete with a center island adorned with pendant lighting, tile floors, granite counters, and stainless steel appliances. A dedicated laundry area off the kitchen adds to the home's practicality. The dining room exudes elegance with chair rail and wainscotting, providing a perfect setting for formal gatherings. The family room, with a wood-burning fireplace (currently non-functioning), sets a cozy ambiance and opens to a patio through a sliding glass door. A main level den/bedroom with a powder room adds versatility to the living spaces. Ascend the stairs to discover four additional bedrooms, each adorned with hardwood flooring for timeless appeal. The primary suite boasts hardwood floors and a private bath with a shower, creating a tranquil escape. The hall bath features a tub/shower combo, providing convenience for the other bedrooms. Ceiling fans throughout the upper level enhance comfort in every room. The three-season room, a favorite among residents, features cathedral ceilings and direct access to the large rear yard, offering a perfect blend of indoor and outdoor living. The large fenced yard is a true outdoor paradise, complete with a pond, numerous outbuildings, greenhouse framing, and garden plots. A Leaf Filter system warranty conveys, ensuring hassle-free maintenance. Great location close to major commuter routes, shopping, schools and restaurants.

13628 Ellendale Dr, Chantilly

Listing courtesy of CENTURY 21 New Millennium. Contact: (703) 818-0111

3 Beds 2 Baths
*Professional Photos to be added active date* Welcome to your dream home! This charming and meticulously maintained one-level residence offers the perfect blend of comfort, style, and modern amenities. With 3 bedrooms and 1.5 bathrooms, this home provides an ideal space for families or those seeking a cozy haven. Step inside and be greeted by a warm and inviting atmosphere. Virtually everything in this home has been upgraded within the last 10 years, ensuring a contemporary and worry-free living experience. From the roof to the floors, plumbing to electrical systems, and even the water heater, every detail has been thoughtfully addressed. The heart of this home lies in its well-equipped kitchen featuring beautiful hickory cabinets, creating a perfect space for culinary enthusiasts. The kitchen is not just a place to cook; it's a focal point for gatherings and creating lasting memories. Enjoy the luxury of a Carrier HVAC system with a whole house humidifier installed on it, just one year old, ensuring optimal comfort throughout the seasons. A generous 75-gallon water heater provides an ample supply of hot water for your daily needs. One of the standout features of this property is the remarkable garage/shed, a $32,000 upgrade that goes above and beyond expectations. Complete with lights and electrical outlets, this spacious structure is perfect for storing your RV or boat. Its discreet location at the back of the property ensures privacy and an unobstructed view from the front of the house. The widened driveway adds both convenience and aesthetic appeal to the exterior. Although it doesn't extend to the garage, the layout maximizes both functionality and curb appeal. Situated on a private lot, this home offers a serene and peaceful environment. The backyard, meticulously manicured, provides a delightful retreat for outdoor activities or simply unwinding after a long day. Don't miss the opportunity to make this exceptional property your own. Experience the joy of living in a home where every detail has been carefully considered and upgraded. Schedule a viewing today and imagine the possibilities that await in this delightful, move-in-ready residence!

7406 Gresham St, Springfield

Listing courtesy of Keller Williams Capital Properties. Contact:

4 Beds 4 Baths
Just listed! Welcome to your new home in the heart of Loudoun County, well sought after subdivision- Woodlea Manor Community! Pristine condition, updated, and very well maintained!Spacious living at 4,024 sqft (Total) of spacious Two Level + Fully Finished Basement with Walkout! Modern finishes, Open Concept with 4 Bedroom and 4 Bathroom with 2 Car Garage w/private driveway parking too! The owner gave this property a lot of love and did not spare on any detail of quality like the Brazilian Cherry Hardwood Flooring + Basement LVP Flooring, Crown Molding, Newer Roof (10 years new), Newer Gas Water Heater (2023), HVAC (very well maintained with Service Records), 2 Gas Fireplaces (Den/Livinig Room and Basement) and many other quality finishes, too many to list here! Spend time relaxing with guest on the Main level (with plenty of Natural Lighting) with spacious living, dining, and guest entertaining area. Enjoying eating? Go ahead cook delicious cuisines in your MODERN Gourmet /updated KITCHEN featuring: Custom Cabinetry, Storage Island and Pantry closet, matching Appliance(s), Granite Countertop and Backsplash! Escape and relax in your Master Bedroom Suite with a luxury Bathroom and large walk-in closet! Need to do the Laundry, easy access to the Washer and Dryer in basement! The basement features large Rec room to accommodate sports fans and business with a Office Work Suite w/ Full Bathroom, and Walkout steps to your backyard! Step out to your spacious yard to have a master's view your own private escape (just over a .25+ acre lot) for gardening while Barbecuing on your large brick patio! Also, large storage shed in backyard for all of your gardening equipment! Conveniently located close to direct commuter routes, Routes 15, 7, and 267. Minutes away from Dulles International Airport and Loudoun Metrorail Station. Don’t miss out on the opportunity to own this Move-In Ready beauty!!!

1442 Hague Dr Sw, Leesburg

Listing courtesy of KW United. Contact: 703-986-6967

4 Beds 3 Baths
Welcome to your dream home! This custom-built Colonial on a sprawling 1.17-acre wooded lot offers the perfect blend of tranquility and modern living. As you approach, a cozy covered front porch welcomes you, setting the tone for the warmth and comfort found within. <br><br> Step inside to discover a meticulously maintained and thoughtfully updated home, offering hardwood floors throughout the main level. The layout is seamless and offers a variety of options and functionality. The updated kitchen is a chef's delight, boasting stainless steel appliances, a subway tile backsplash, and an extended center island. With ample storage provided by built-in pantry and cabinetry, the kitchen is as functional as it is stylish. <br><br> Upstairs you'll discover four spacious bedrooms, including the luxurious primary suite with a custom closet and spa bath. The secondary bedrooms are a nice size with plush carpeting, ceiling fans and ample closet space. They share an updated hall bathroom. <br><br> Whether relaxing or entertaining, the natural surroundings provide the perfect backdrop. No HOA fees mean you have the freedom to make this home truly your own. Embrace eco-friendly living with solar panels that contribute to energy efficiency and cost savings. <br><br> Nestled in the rolling hills of Loudoun County's wine country, this home offers a serene retreat while remaining conveniently close to the MARC train for a stress-free commute, close to major roads (US-15, VA-7, VA-9) for quick access to downtown Leesburg, farm stands, wineries, breweries, antique stores, the historic Village of Waterford, and Lovettsville.

41743 Stumptown Rd, Leesburg

Listing courtesy of Keller Williams Realty. Contact:

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