Explore mortgage options with Camden Loans

Your premier mortgage lender located in Winchester, Virginia. Our highly experienced loan officers take pride in finding each of our customers the most competitive rate available for their home financing needs. We are also licensed in VA, NC, SC , GA , FL, and TX. 

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Homebuyers

See how much you qualify for in today's market.

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Today's Rates

See if the time is right for you to purchase or refinance.

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Refinance

We can help you lower your rate or take cash out.

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Loan Programs

Learn about different types of home loans.

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Your top mortgage questions, answered

Common types include conventional loans, FHA loans, VA loans, USDA loans, fixed-rate mortgages, and adjustable-rate mortgages. Each type has its own eligibility requirements, benefits, and drawbacks.

A fixed-rate mortgage has a constant interest rate throughout the loan term, leading to predictable monthly payments. An adjustable-rate mortgage (ARM) has an interest rate that can change periodically, causing fluctuations in monthly payments.

Pre-qualification provides an estimate of how much you might be able to borrow based on the information you provide. Pre-approval involves a more thorough review of your financial situation and credit history, resulting in a conditional commitment from a lender.

While it may be more challenging to qualify for a mortgage loan with bad credit, there are still options available. Government-backed loans like FHA loans may have more flexible credit requirements, and some lenders specialize in working with borrowers with less-than-perfect credit.

What our clients are saying

  • Eric and team make dreams come true. The process was fast and efficient. Definitely the easiest home purchase to date. I highly recommend Camden Loans.... read more

    Mike May Avatar Mike May
    September 18, 2025

    Mr Eric is very knowledgeable and patient he walks you through the whole process so you can have a peace of mind.

    George John Avatar George John
    August 11, 2025

    Hey, I appreciate the whole team. They did a wonderful job. Put me into my dream home.

    Jermaine Winder Avatar Jermaine Winder
    August 5, 2025

    Eric has years of mortgage experience and puts his borrowers first. Highly recommend.

    Scott Coffman Avatar Scott Coffman
    April 9, 2025
  • Eric was amazing, he got us not only the best rate but got us qualified after 3 others have failed. Always responded by text within... read more

    zachary oliver Avatar zachary oliver
    April 8, 2025

    Eric is prompt, knowledgeable and knows how to get his loans closed and closed quickly. Very communicative and provides high quality service to his clients.

    Carson Wallace Avatar Carson Wallace
    April 8, 2025

    Eric is very knowledgeable and helpful. We appreciate the work and his patience. We will use him again.

    T Wilson Avatar T Wilson
    February 10, 2025

    This is now the second home I've purchased with Eric and Camden Loans, and I couldn't be more impressed. The competitive rates, streamlined process, and... read more

    Morgan Miller Avatar Morgan Miller
    February 8, 2025
  • I have to say, I was hesitant at first to use a mortgage broker, but now that I'm done with the process, I'm so glad... read more

    S.W. Stryker Avatar S.W. Stryker
    February 5, 2025

    Would absolutely recommend Camden Loans and particularly Eric! Could not be happier with the entire process!

    Sarah Mierau Avatar Sarah Mierau
    January 22, 2025

    Working with Camden Loans has been a blessing each and every time. Very knowledgeable and walks you thru the process every step of the way.... read more

    Harland Edouard Avatar Harland Edouard
    January 21, 2025

    Eric was so helpful and diligent in my process of re-fing our home. Not only was he informative but patient and very assisting in credit... read more

    Jacqueline Cannick Avatar Jacqueline Cannick
    January 14, 2025
  • My VA Refinance was crucial to pay down my overwhelming debt. I was worried that I would not get approved because of my credit score... read more

    Gawn Avatar Gawn
    November 22, 2024

    Crying while I write this!!! I can’t thank Eric enough for his relentless hard work and dedication throughout my loan approval process. From the beginning, I... read more

    Kryshana Watson Avatar Kryshana Watson
    October 31, 2024

    Eric worked with my wife and I on our townhome and worked with me with an investment property. Both times working with him were amazing.... read more

    joseph anderson Avatar joseph anderson
    July 25, 2024

    ⭐⭐⭐⭐⭐ I had the pleasure of working with Eric Miller at Camden Loans, and I couldn't be more impressed with the service I received. From the... read more

    Winona Newell Avatar Winona Newell
    July 15, 2024
  • Proactive and clear communication, excellent customer service and personalized attention. It was great working with Mr. Miller from Camden Loans. Will recommend !

    Centejh1 Avatar Centejh1
    July 15, 2024

    WOW!!!! I would highly recommend Eric @ Camden Loans. He was amazing throughout the whole process. He was personally dedicated from start to finish... read more

    Karen Guseman Avatar Karen Guseman
    May 29, 2024

    Eric was WONDERFUL! Responded quickly to any questions I had. He was very informative transparent and honest. I definitely recommend! 💯 Thank You Eric!

    Yanaira Hernandez Avatar Yanaira Hernandez
    May 15, 2024