Home financing in Henrico County.
County-by-county financing guides. No paperwork. No social. No ID.
5 institutions are headquartered inside the Henrico County line, and 5 more keep a branch here. Below, we say which is which.
Not this lane? Business FinancingPersonal Financing
The doors in Henrico County.
The CDFIs, credit unions, and microlenders that actually say yes — county by county, in two languages. We are not a lender. Nobody paid to be listed. And where a county has no good doors, we say so.
- Connects Credit UnionPersonal · Home · Business capital
- Henrico Credit UnionPersonal · Home · Business capital
- Bridging Virginia IncCommunity lending · Business capital
- Locus Impact FundCommunity lending · Business capital
- Locus Bank, Inc.Personal · Business capital
Based elsewhere, with a member-facing office inside the Henrico County line. You can walk in.
- Argent Credit UnionPersonal · Home · Business capital
- Bayport Credit UnionPersonal · Home · Business capital
- Langley Credit UnionPersonal · Home · Business capital
- Peoples Advantage Credit UnionCDFI-certifiedPersonal · Home · Business capital
- Virginia Credit UnionPersonal · Home · Business capital
- Mission Asset FundAccepts ITIN
Zero-interest lending circles and credit building. SSN or ITIN accepted. Works through nonprofit partners across the country.
Personal - Accion Opportunity FundAccepts ITIN
Nonprofit small-business lender. Accepts ITIN in place of SSN. Serves most states, in English and Spanish.
Business capital - Grameen AmericaAccepts ITIN
Microloans for women entrepreneurs. Requires photo ID and proof of address — no SSN requirement. Branches in major metro areas.
Business capital
4 of the 13 are CDFI-certified.
The U.S. Treasury certifies them to lend to the people banks pass over. It is a loan, not a favour.
3 of these doors accept an ITIN.
They will open an application with an ITIN instead of a social security number. They are marked ACCEPTS ITIN below.
Buying a home in Henrico County, Virginia is very achievable — especially when you know which local lenders, credit unions, and community organizations are ready to work with you. This guide walks you through what home financing is, who typically qualifies, what documents you'll need, and which Henrico-area institutions actually serve everyday buyers, including those without a Social Security Number. We also cover Virginia-specific programs that can lower your costs and explain the warning signs of predatory lending so you can protect yourself and your family.
Certified by the U.S. Treasury to lend where a bank will not. Nonprofit, patient, and used to a file that is not clean.
Peoples Advantage Credit Union · Bridging Virginia IncOwned by their members, not by shareholders. They look at your whole story rather than a score, and that is the difference when a bank says no.
Argent Credit Union · Bayport Credit UnionSame county, another question.
Business FinancingLoans, lines of credit, and capital for small businesses and contractorsSEE IT IN HENRICO COUNTY →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN HENRICO COUNTY →73VA COUNTIES WITH DOORSThe whole stateEvery county in Virginia, in this same lane.71 institutions fund home financing inside Virginia county lines.OPEN THE STATE →
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