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VALast updated: 2026-01
Virginia Regulations
Comprehensive guide to seller financing laws, usury limits, and disclosure requirements in Virginia.
Maximum Interest Rate
12%
Business exemptions may apply
Usury Laws
Interest rate limits and penalties
Maximum Rate
12%
Penalty Type
Forfeiture of interest
Notes
General usury limit is 12%. Licensed lenders may charge higher rates.
Business Exemption
Business loans over $5,000 are exempt.
Seller Financing Requirements
Disclosures, licensing, and restrictions
Required Disclosures
- Residential Property Disclosure Statement
- Lead-based paint disclosure (pre-1978)
Licensing Required
No license required
No license required for seller financing own property.
Consumer Protection
Applicable laws protecting buyers
- Virginia Consumer Protection Act
Real Estate Specifics
Foreclosure process and property laws
- Deed of Trust state
- Non-judicial power of sale foreclosure
- No statutory redemption after sale
Legal Disclaimer
This information about Virginia regulations is provided for educational purposes only and does not constitute legal or tax advice. Laws change frequently and vary by county and municipality. Always verify current regulations with a licensed Virginia attorney before entering into any seller financing arrangement.