South Riding is an area that's eligible for the no money down USDA Mortgage.
One of the best things about this mortgage is the monthly mortgage insurance is substantially less than an FHA or conventional mortgage and that's with no money down.
Here's an example: An FHA mortgage of $155,000 is going to have a monthly mortgage insurance payment of $161.45 but on a USDA mortgage it's only going to add $51.66 to your monthly payment.
The other nice thing is you can actually roll your closing costs into the loan as long as the appraised value supports it.
Please feel free to contact me for more information or help. You can also find info on my USDA Mortgage website by clicking the link below.
Senior Mortgage Banker
Peoples Bank & Trust
It may or may not be too late for the builder to pay your real estate broker/agent's commission, but you can definitely still hire one and pay them out of your pocket. There are many things that builders don't always tell buyers because the sales rep/builders are worried about their best interests, not necessarily yours. And remember...the sales rep gets their paycheck from the builder so they're loyal to the builder.
I've helped many a buyers purchase new construction homes in Loudoun County and am currently working with two buyers who are under contract to buy new homes in the area. I would be happy to speak with you to see if/how I can help as well and about what value I can add to the process. Feel free to contact me at your convenience. My contact information is below.
Real Estate Consultant/REALTOR(r)