Ever hear of VHDA? That's the Virginia Housing Development Authority and they assist Virginia Home Buyers in finding affordable loans to purchase housing. This is NOT just for first-time homebuyers, but repeat homebuyers as well.
If you've never owned a home before, VHDA also offers home ownership education, so you can see what finances and income you need in order to purchase a home.
According to a Lender I know - the VHDA loans have great interest rates, particularly if you are looking for a $0 down loan. I have some information on specific Lenders in the area and specific rate offers - so please email me if you'd like more information.
For more information on how VHDA may be able to help you - visit: http://www.vhda.com