Virginia uses the deed of trust, with statutory notice and advertising timelines for trustee sales, including mailed notice at least 14 days before sale for deeds of trust other than owner-occupied residential. The state recordation tax on deeds of trust or mortgages is 25 cents per $100 secured, and general contractors file mechanics liens within 90 days of the last day of the month they last furnished labor or material. Virginia Energy also maps the Central Virginia seismic zone.
World's Fair Capital makes business purpose loans to real estate investors in Virginia: fix and flip, DSCR rental, bridge and ground-up construction. This page covers points that most often matter to an investor there, each checked against the statute or agency that publishes it. It is general information, not legal or tax advice, and terms for any loan are set at underwriting.
Prepared by the WFC editorial team. Facts checked against the cited sources, last reviewed 2026-10-11.
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- 1Start your application
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- 2Review the term sheet
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- 3Underwriting
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- 4Closing
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What investors should know about Virginia
Deed of trust is the security instrument
Virginia's Code treats a deed of trust to secure debts as a contract construed according to its terms, to the extent not in conflict with law, with default duties for the parties where the instrument is silent.
Source: Va. Code 55.1-320, checked 2026-10-11
Notice before a trustee sale
Before a trustee sale the owner must be mailed a copy of the advertisement or equivalent notice by certified or registered mail, no less than 14 days before the sale for deeds of trust other than owner-occupied residential.
Source: Va. Code 55.1-321, checked 2026-10-11
Advertising timeline for a trustee sale
Where the deed of trust sets the number of publications, the sale is held no earlier than eight days after the first advertisement and no more than 30 days after the last.
Source: Va. Code 55.1-322, checked 2026-10-11
Recordation tax on deeds of trust
Virginia imposes a state recordation tax on deeds of trust or mortgages at 25 cents on every $100 or portion of the obligations secured, with special rules for open-end or unascertainable amounts.
Source: Va. Code 58.1-803, checked 2026-10-11
Mechanics lien 90-day deadline
A general contractor perfects a mechanics lien by filing a memorandum of lien not later than 90 days from the last day of the month in which labor or material was last furnished, and no later than 90 days from completion.
Source: Va. Code 43-4, checked 2026-10-11
Central Virginia seismic zone
Virginia Energy's geology program says the state's past seismic activity is concentrated in three areas, including the Central Virginia seismic zone in the central Piedmont along the James River.
Source: Virginia Energy, Geology and Mineral Resources, Earthquakes, checked 2026-10-11
General information, not legal or tax advice. Confirm details with your own counsel or title agent.
For brokers
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What to send for a first look
- Property address and type
- Purchase price, or current value on a refinance
- Loan amount requested and what it is for
- Rehab or construction budget, if any
- Current or expected rent on a rental
- The borrower's experience and estimated credit score
- Your timeline to close
Loan programs for Virginia investors
- Hard Money Loans
- Fix & Flip Loans
- Rental / DSCR Loans
- Ground-Up Construction Loans
- Commercial Bridge Loans
- Multifamily Bridge Loans
- Small Balance Commercial Loans
- Foreign National Loans
- FlexCap Business Bridge Loans
Program availability varies by property and borrower. Business purpose loans only.
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Rates, fees, terms, timelines, and program descriptions are subject to change without notice.
Any investor-related or capital discussion is not an offer to sell, a solicitation to buy, or a recommendation of any security or investment product.