Do you only offer VA loans?

No. I'm a Mortgage Loan Originator with Edge Home Finance, LLC, a mortgage broker, so I can shop a file across many lenders. VA is the majority of what I do, and I also handle FHA, Conventional, USDA and Non-QM.

Do you only service the Dayton and Cincinnati markets?

Dayton and Cincinnati are the majority of my business. I am personally licensed to originate mortgage loans in 34 states, and through the Edge Home Finance, LLC corporate referral program I can help veterans in every state except New York. Edge Home Finance, LLC is licensed in 49 states and the District of Columbia and does not arrange, solicit, or originate mortgage loans for real property located in the State of New York.

Cannabis Mortgages In Virginia

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Are you looking to get a cannabis mortgage loan in Virginia?

I can help.

The marijuana industry is one of the trickiest areas of home financing.

Adults can legally possess marijuana in Virginia, but retail sales are not licensed yet. License applications open February 1, 2027 and adult use sales start July 1, 2027, so today only medical dispensaries can sell it. Marijuana also remains federally controlled. A federal rule effective April 28, 2026 moved FDA approved marijuana drug products and state licensed medical marijuana to Schedule III, but adult use marijuana is not covered and remains Schedule I.

Sadly, because of this, most banks will turn down anyone working in the marijuana industry.

The great news is it is possible for cannabis industry workers to get approved for a home loan.

Because I am a licensed Mortgage Loan Originator working through Edge Home Finance, LLC, a mortgage broker in Virginia with access to 150 lenders, I am able to find mortgage companies that are ok with doing weed related mortgage financing.

State law last reviewed August 27, 2026.

Separate from the income question, and easy to miss: Virginia’s disabled veteran property tax exemption is a full exemption on your home and up to one acre at a 100 percent permanent and total rating, with no income test and no dollar cap. You file it with your county assessor and it has nothing to do with how you earn your money.

Take the 30 second mortgage quiz to see if you qualify

Frequently Asked Questions About Marijuana Home Loans In Virginia

Is CBD Considered The Same Thing As Cannabis?

Unfortunately, many banks are overly conservative and turning down CBD-related income. However, the great news is CBD income is allowed on all programs, including VA, FHA, Conventional, USDA, and Non QM. You will need to find a flexible mortgage broker that can connect you with a lender that can approve CBD related income.

What Options Do Marijuana Dispensary Workers In Virginia Have For Mortgage Financing?

As a W2 employee of a marijuana dispensary in Virginia, you can get approved for a Conventional or Non–QM mortgage loan. Unfortunately, VA and FHA mortgages are not available for dispensary workers.

Can Marijuana Dispensary Owners And Growers In Virginia Get Approved For Mortgage Financing?

Unfortunately, if you are a marijuana dispensary owner or grower in Virginia, your options are much more limited. You cannot get any sort of traditional mortgage financing like Conventional, FHA, or VA. You can, however, get approved for a Non-QM mortgage loan. These loans include Bank Statement Mortgage loans, P and L Mortgage loans, and No Doc Mortgage loans.

Are You Able To Provide Cannabis Mortgage Financing In The Entire State Of Virginia?

Yes, I am approved to provide cannabis related mortgage financing in the entire state of Virginia including: Alexandria, Blacksburg, Charlottesville, Chesapeake, Danville, Hampton, Harrisonburg, Lynchburg, Newport News, Norfolk, Portsmouth, Richmond, Roanoke, Suffolk, Virginia Beach, Woodbridge.

Can You Do Marijuana Industry Mortgage Financing In Any Other States?

Yes, I can provide marijuana industry mortgage financing in all states where I am licensed and marijuana income is allowed. I’m currently licensed in Alabama, Arizona, Arkansas, California, Colorado, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, New Mexico, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, and Wisconsin. Additionally, through our corporate partner program, I am able to leverage our home office and offer mortgage financing in over 30 additional states.

Take the 30 second mortgage quiz to see if you qualify